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NRG Energy

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FY2015 Annual Report · NRG Energy
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2015 Form 10-K 

211 Carnegie Center 

1201 Fannin Street 

Houston, TX 

77002-6929 

t: 713.537.3000

NRG Energy 

Princeton, NJ 

08540-6213 

t: 609.524.4500 

f: 609.524.4501 

nrg.com

 
 
 
 
 
Stockholder information 

STOCK TRANSFER AGENT AND REGISTRAR 
Shareholder correspondence should be mailed to:  
Computershare  
P.O. BOX 30170 
College Station, TX 77842-3170

STOCKHOLDER INQUIRIES 
Overnight correspondence should be sent to:  
Computershare  
211 Quality Circle, Suite 210 
College Station, TX 77845 

1.866.214.2213

Email:  shareholder@computershare.com

Online inquires:  https://www-us.computershare.com/investor/Contact

Website:  www.computershare.com/investor 

Send certificates for transfer and address changes to: 
Computershare  
P.O. BOX 30170 
College Station, TX 77842-3170

STOCK LISTING 
NRG’s common stock is listed on the New York Stock Exchange  
under the ticker symbol NRG.

FINANCIAL INFORMATION 
NRG’s Annual Report on Form 10-K, Proxy Statement and other SEC Filings  
are available at www.nrg.com under the Investors section. 

 
UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
Form 10-K

ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
For the Fiscal Year ended December 31, 2015.

TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
For the Transition period from                      to                       .

Commission file No. 001-15891
     NRG Energy, Inc.
(Exact name of registrant as specified in its charter)

Delaware
(State or other jurisdiction of incorporation or organization)

41-1724239
(I.R.S. Employer Identification No.)

211 Carnegie Center Princeton, New Jersey
(Address of principal executive offices)

08540
(Zip Code)

(609) 524-4500

(Registrant's telephone number, including area code)

Securities registered pursuant to Section 12(b) of the Act:

Title of Each Class

Name of Exchange on Which Registered

Common Stock, par value $0.01

New York Stock Exchange

     Securities registered pursuant to Section 12(g) of the Act:
None

Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act.    Yes 

    No 

Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Exchange Act.    Yes 

    No 

Indicate by check mark whether the registrant (1) has filed all reports to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during 
the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements 
for the past 90 days.    Yes 

    No 

Indicate by check mark whether the registrant has submitted electronically and posted on its corporate Web site, if any, every Interactive Data File required 
to be submitted and posted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that 
the registrant was required to submit and post such files).    Yes 

    No 

Indicate by check mark if disclosure of delinquent filers pursuant to Item 405 of Regulation S-K (§ 229.405 of this chapter) is not contained herein, and 
will not be contained, to the best of the registrant's knowledge, in definitive proxy or information statements incorporated by reference in Part III of this 
Form 10-K or any amendment to this Form 10-K.    

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, or a smaller reporting company. See 

the definitions of "large accelerated filer," "accelerated filer" and "smaller reporting company" in Rule 12b-2 of the Exchange Act.

Large accelerated filer 

Accelerated filer 

Non-accelerated filer 

Smaller reporting company 

(Do not check if a smaller
reporting company)

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Act).    Yes 

    No 

As of the last business day of the most recently completed second fiscal quarter, the aggregate market value of the common stock of the registrant held 

by non-affiliates was approximately $6,713,289,371 based on the closing sale price of $22.88 as reported on the New York Stock Exchange.

Indicate the number of shares outstanding of each of the registrant's classes of common stock as of the latest practicable date.

Class
Common Stock, par value $0.01 per share

Outstanding at January 31, 2016
314,890,647

Documents Incorporated by Reference:
Portions of the Registrant's definitive Proxy Statement relating to its 2016 Annual Meeting of Stockholders
are incorporated by reference into Part III of this Annual Report on Form 10-K

1

 
 
TABLE OF CONTENTS

GLOSSARY OF TERMS

PART I

Item 1 — Business

Item 1A — Risk Factors Related to NRG Energy, Inc. 

Item 1B — Unresolved Staff Comments

Item 2 — Properties

Item 3 — Legal Proceedings

Item 4 — Mine Safety Disclosures

PART II

Item 5 — Market for Registrant's Common Equity, Related Stockholder Matters and Issuer Purchases of Equity 
Securities

Item 6 — Selected Financial Data

Item 7 — Management's Discussion and Analysis of Financial Condition and Results of Operations

Item 7A — Quantitative and Qualitative Disclosures About Market Risk
Item 8 — Financial Statements and Supplementary Data

Item 9 — Changes in and Disagreements With Accountants on Accounting and Financial Disclosure

Item 9A — Controls and Procedures

Item 9B — Other Information

PART III

Item 10 — Directors, Executive Officers and Corporate Governance

Item 11 — Executive Compensation

Item 12 — Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters

Item 13 — Certain Relationships and Related Transactions, and Director Independence

Item 14 — Principal Accounting Fees and Services

PART IV

Item 15 — Exhibits, Financial Statement Schedules

EXHIBIT INDEX

3

9

9

35

51

52

57

57

58

58

60

62

111

114

115

115

117

118

118

121

121

122

122

123

123

229

2

Glossary of Terms

        When the following terms and abbreviations appear in the text of this report, they have the meanings indicated below:

AEP

Alta Wind Assets

ARO

ARRA

ASC

ASU

American Electric Power

Seven wind facilities that total 947 MW located in Tehachapi, California and a portfolio of
land leases

Asset Retirement Obligation

American Recovery and Reinvestment Act of 2009

The FASB Accounting Standards Codification, which the FASB established as the source of 
authoritative U.S. GAAP

Accounting Standards Updates – updates to the ASC

Average realized prices

Volume-weighted average power prices, net of average fuel costs and reflecting the impact
of settled hedges

AZNMSNV

B2B

BACT

Baseload

BETM

BTU

Buffalo Bear

CAA

CAIR

CAISO

CCF

CCPI

CDD

CDFW

CDWR

CEC

Arizona, New Mexico and Southern Nevada

Business-to-business, which includes demand response, commodity sales, energy efficiency
and energy management services

Best Available Control Technology

Units expected to satisfy minimum baseload requirements of the system and produce
electricity at an essentially constant rate and run continuously

Boston Energy Trading and Marketing LLC

British Thermal Unit

Buffalo Bear, LLC, the operating subsidiary of Tapestry Wind LLC, which owns the
Buffalo Bear project

Clean Air Act

Clean Air Interstate Rule

California Independent System Operator

Carbon Capture Facility

Clean Coal Power Initiative

Cooling Degree Day

California Department of Fish and Wildlife

California Department of Water Resources

California Energy Commission

CenterPoint

CenterPoint Energy Houston Electric, LLC

CFTC

C&I

CO2
COD

ComEd

Company
Consolidated Appropriations
Act
CPS
CPUC

CSAPR

CVSR

CWA

D.C. Circuit

DGPV Holdco

Direct Energy

U.S. Commodity Futures Trading Commission

Commercial, industrial and governmental/institutional
Carbon Dioxide

Commercial Operation Date

Commonwealth Edison

NRG Energy, Inc.

Consolidated Appropriations Act of 2016

Combined Pollutant Standard

California Public Utilities Commission

Cross-State Air Pollution Rule

California Valley Solar Ranch

Clean Water Act

U.S. Court of Appeals for the District of Columbia Circuit

NRG DGPV Holdco 1 LLC

Direct Energy Business Marketing, LLC

3

Discrete customers

Distributed Solar

DNREC

Dodd-Frank Act

Dominion

Drop Down Assets

DSI

DSU

Dunkirk Power

Customers measured by unit sales of one-time products or services, such as connected home 
thermostats, portable solar products and portable battery solutions

Solar power projects that primarily sell power to customers for usage on site, or are projects 
that are interconnected to sell power into a local distribution grid

Delaware Department of Natural Resources and Environmental Control

The Dodd-Frank Wall Street Reform and Consumer Protection Act of 2012

Dominion Resources, Inc.

Collectively, the June 2014 Drop Down Assets, the January 2015 Drop Down Assets and the 
November 2015 Drop Down Assets
Dry Sorbent Injection with Trona

Deferred Stock Unit

Dunkirk Power LLC

Economic gross margin

Sum of energy revenue, capacity revenue, retail revenue and other revenue, less cost of sales

EGU

Electric Utility Generating Unit

El Segundo Energy Center

NRG West Holdings LLC, the subsidiary of Natural Gas Repowering LLC, which owns the 
El Segundo Energy Center project

EME
Energy Plus Holdings

Edison Mission Energy
Energy Plus Holdings LLC

EPA

EPC

ERCOT

ESA

ESP

ESPP

ESPS

EWG

U.S. Environmental Protection Agency

Engineering, Procurement and Construction

Electric  Reliability  Council  of  Texas,  the  Independent  System  Operator  and  the  regional 
reliability coordinator of the various electricity systems within Texas

Energy Services Agreement

Electrostatic Precipitator

Amended and Restated Employee Stock Purchase Plan

Existing Source Performance Standards

Exempt Wholesale Generator

Exchange Act

The Securities Exchange Act of 1934, as amended

FASB

FCM

FERC

FFB

FPA

FRCC
Fresh Start

FTRs

GenConn

GenOn

Financial Accounting Standards Board

Forward Capacity Market

Federal Energy Regulatory Commission

Federal Financing Bank

Federal Power Act

Florida Reliability Coordinating Council
Reporting requirements as defined by ASC-852, Reorganizations

Financial Transmission Rights

GenConn Energy LLC

GenOn Energy, Inc.

GenOn Americas Generation

GenOn Americas Generation, LLC

GenOn Americas Generation
Senior Notes

GenOn Americas Generation's $694 million outstanding unsecured senior notes consisting of 
$365 million of 8.5% senior notes due 2021 and $329 million of 9.125% senior notes due 
2031

GenOn Mid-Atlantic

GenOn Senior Notes

GenOn Mid-Atlantic, LLC and, except where the context indicates otherwise, its subsidiaries, 
which include the coal generation units at two generating facilities under operating leases

GenOn's $1.8 billion outstanding unsecured senior notes consisting of $691 million of 7.875% 
senior  notes  due  2017,  $649  million  of  9.5%  senior  notes  due  2018,  and  $489  million  of 
9.875% senior notes due 2020

GHG

Goal Zero

Greenhouse Gases

Goal Zero LLC

Green Mountain Energy

Green Mountain Energy Company

4

GWh

HAP

HDD

Heat Rate

High Desert

HLBV

IASB

ICAP

IFRS

IL CPS

ILU

IPPNY

ISO
ISO-NE

ITC

Gigawatt Hour

Hazardous Air Pollutant

Heating Degree Day

A measure of thermal efficiency computed by dividing the total BTU content of the fuel burned 
by the resulting kWh's generated. Heat rates can be expressed as either gross or net heat rates, 
depending whether the electricity output measured is gross or net generation and is generally 
expressed as BTU per net kWh

TA - High Desert, LLC, the operating subsidiary of NRG Solar Mayfair LLC, which owns
the High Desert project

Hypothetical Liquidation at Book Value

Independent Accounting Standards Board

New York Installed Capacity

International Financial Reporting Standards

Illinois Combined Pollutant Standard

Illinois Union Insurance Company

Independent Power Producers of New York

Independent System Operator, also referred to as RTOs
ISO New England Inc.

Investment Tax Credit

January 2015 Drop Down
Assets

The Laredo Ridge, Tapestry and Walnut Creek projects, which were sold to NRG Yield,
Inc. on January 2, 2015

June 2014 Drop Down Assets

The High Desert, Kansas South and El Segundo Projects, which were sold to NRG Yield,
Inc. on June 30, 2014

JX Nippon

Kansas South

kV

kWh

LA DEQ

LaGen

Laredo Ridge

LIBOR

LTIPs

LSEs

JX Nippon Oil Exploration (EOR) Limited

NRG Solar Kansas South LLC, the operating subsidiary of NRG Solar Kansas South
Holdings LLC, which owns the RE Kansas South project

Kilovolts

Kilowatt-hour

Louisiana Department of Environmental Quality

Louisiana Generating LLC

Laredo Ridge Wind, LLC, the operating subsidiary of Mission Wind Laredo, LLC, which
owns the Laredo Ridge project

London Inter-Bank Offered Rate

Collectively, the NRG Long-Term Incentive Plan, as amended, and the NRG GenOn Long-
Term Incentive Plan
Load Serving Entities

Marsh Landing

NRG Marsh Landing, LLC (formerly known as GenOn Marsh Landing, LLC)

Mass

MATS

MDE

Merger

Merger Agreement

Residential and Small Business

Mercury and Air Toxics Standards

Maryland Department of the Environment

The merger completed on December 14, 2012 by NRG and GenOn pursuant to the Merger
Agreement

The agreement by and among NRG, GenOn and Plus Merger Corporation, dated as of July
20, 2012

Midwest Generation

Midwest Generation, LLC

MISO

MMBtu

MOPR

MSU

MW

Midcontinent Independent System Operator, Inc.

Million British Thermal Units

Minimum Offer Price Rule

Market Stock Unit

Megawatts

5

MWh

MWt

NAAQS

NEPOOL

NERC

Net Capacity Factor

Net Exposure

Net Generation

NextEra

NJDEP
NOL

NOV

November 2015 Drop Down
Assets
NOx
NPDES
NPNS

NQSO

NRC

NRG

Saleable megawatt hour net of internal/parasitic load megawatt-hour

Megawatts Thermal Equivalent

National Ambient Air Quality Standards

New England Power Pool

North American Electric Reliability Corporation

The net amount of electricity that a generating unit produces over a period of time divided by 
the net amount of electricity it could have produced if it had run at full power over that time 
period. The net amount of electricity produced is the total amount of electricity generated 
minus the amount of electricity used during generation

Counterparty credit exposure to NRG, net of collateral

The net amount of electricity produced, expressed in kWhs or MWhs, that is the total amount 
of electricity generated (gross) minus the amount of electricity used during generation.

NextEra Energy Resources, LLC

New Jersey Department of Environmental Protection

Net Operating Loss

Notice of Violation

75% of the Class B interests of NRG Wind TE Holdco, which owns a portfolio of 12 wind 
facilities totaling 814 net MW
Nitrogen Oxide

National Pollutant Discharge Elimination System
Normal Purchase Normal Sale

Non-Qualified Stock Option

U.S. Nuclear Regulatory Commission

NRG Energy, Inc.

NRG GenOn LTIP

NRG 2010 Stock Plan for GenOn Employees (formerly the GenOn Energy, Inc. 2010 Omnibus 
Incentive Plan, which was assumed by NRG in connection with the Merger)

NRG LTIP

NRG Long-Term Incentive Plan, as amended

NRG Marsh Landing

NRG Marsh Landing, LLC

NRG Wind TE Holdco

NRG Wind TE Holdco LLC

NRG Yield

Reporting segment including the projects belonging to NRG Yield, Inc.

NRG Yield 2019 Convertible
Notes

$345 million aggregate principal amount of 3.50% Convertible Senior Notes due 2019
issued by NRG Yield, Inc.

NRG Yield 2020 Convertible
Notes

$287.5 million aggregate principal amount of 3.25% Convertible Notes due 2020 issued by
NRG Yield, Inc.

NRG Yield, Inc.

NRG Yield LLC

NSPS

NSR

Nuclear Decommissioning
Trust Fund

Nuclear Waste Policy Act

NYAG

NYISO

NYMEX

NYSPSC

OCI

PADEP

NRG Yield, Inc., the owner of 55.3% of the economic interests of NRG Yield LLC with a 
controlling interest, and issuer of publicly held shares of Class A and Class C common stock

NRG Yield LLC, which owns, through its wholly owned subsidiary, NRG Yield Operating 
LLC, all of the assets contributed to NRG Yield LLC in connection with the initial public 
offering of Class A common stock of NRG Yield, Inc.

New Source Performance Standards

New Source Review

NRG's nuclear decommissioning trust fund assets, which are for the Company's portion of
the decommissioning of the STP, units 1 & 2

U.S. Nuclear Waste Policy Act of 1982

State of New York Office of Attorney General
New York Independent System Operator

New York Mercantile Exchange

New York State Public Service Commission

Other Comprehensive Income

Pennsylvania Department of Environmental Protection

6

Peaking

PG&E

Pinnacle

PJM

PM

POJO

PPA

PPTA

PSD

PTC

PU

PUCN

PUCT

PUHCA

Units expected to satisfy demand requirements during the periods of greatest or peak load
on the system
Pacific Gas and Electric Company

Pinnacle Wind, LLC, the operating subsidiary of Tapestry Wind LLC, which owns the Pinnacle 
project

PJM Interconnection, LLC

Particulate Matter

Powerton and Joliet, of which the Company leases 100% interests in Unit 7 and Unit 8 of the 
Joliet generating facility and the Powerton generating facility, through Midwest Generation

Power Purchase Agreement

Power Purchase Tolling Agreement

Prevention of Significant Deterioration

Production Tax Credit

Performance Unit

Public Utilities Commission of Nevada

Public Utility Commission of Texas

Public Utility Holding Company Act of 2005

Pure Energies

Pure Energies Group Inc.

PURPA

QF

RAPA

RCRA

RDS

Recurring customers

Reliant Energy

REMA

Repowering

Public Utility Regulatory Policies Act of 1978

Qualifying Facility under PURPA

Resource Adequacy Purchase Agreement

Resource Conservation and Recovery Act of 1976

Roof Diagnostics Solar

Customers that subscribe to one or more recurring services, such as electricity, natural gas 
and protection products, the majority of which are retail electricity customers in Texas and 
the Northeast

Reliant Energy Retail Services, LLC

NRG REMA LLC, which leases a 100% interest in the Shawville generating facility and 16.7% 
and 16.5% interests in the Keystone and Conemaugh generating facilities, respectively

Technologies utilized to replace, rebuild, or redevelop major portions of an existing electrical 
generating facility to achieve a substantial emissions reduction, increase facility capacity and 
improve system efficiency

Revolving Credit Facility

The Company's $2.5 billion revolving credit facility due 2018, a component of the Senior 
Credit Facility

RFP
RGGI

RMR

ROFO Agreement

RPM

RPS

RPV Holdco

RSSA

RSU

RTO

Sabine

SCE

SCR

SDG&E

SEC

Request For Proposal
Regional Greenhouse Gas Initiative

Reliability Must-Run

Amended and Restated Right of First Offer Agreement by and between NRG Energy, Inc.
and NRG Yield, Inc.
Reliability Pricing Model

Renewable Portfolio Standards

NRG RPV Holdco 1 LLC

Reliability Support Service Agreement

Restricted Stock Unit

Regional Transmission Organization

Sabine Cogen, L.P.

Southern California Edison Company

Selective Catalytic Reduction Control System

San Diego Gas & Electric

U.S. Securities and Exchange Commission

7

SECA

Securities Act

Senior Credit Facility

Senior Notes

Seams Elimination Charge/Cost Adjustments/Assignments

The Securities Act of 1933, as amended

NRG's senior secured facility, comprised of the Term Loan Facility and the Revolving Credit 
Facility

NRG's $6.2 billion outstanding unsecured senior notes consisting of $1.0 billion of 7.625% 
senior notes due 2018, $1.1 billion of 8.25% senior notes due 2020, $1.1 billion of 7.875% 
senior notes due 2021, $1.1 billion of 6.25% senior notes due 2022, $936 million of 6.625% 
senior notes due 2023 and $904 million of 6.25% senior notes due 2024

SERC

SF6

Sherwin

SIFMA

SNF

SO2
S&P

SSR
STP

STPNOC

SunPower

Taloga

TCPA

Term Loan Facility

Texas Genco

Thermal Business

TOU
TSA

TSR

TVA

TWCC

TWh

UNFCCC
U.S.

U.S. DOE

U.S. GAAP

Utility Scale Solar

VaR

VIE

Walnut Creek

WECC

Yield Operating

Southeastern Electric Reliability Council

Sulfur Hexafluoride

Sherwin Alumina Company

Securities Industry and Financial Markets Association

Spent Nuclear Fuel

Sulfur Dioxide

Standard & Poor's

System Support Resource

South Texas Project — nuclear generating facility located near Bay City, Texas in which
NRG owns a 44% interest

South Texas Project Nuclear Operating Company

SunPower Corporation, Systems

Taloga Wind, LLC, the operating subsidiary of Tapestry Wind LLC, which owns the Taloga
project

Telephone Consumer Protection Act

The Company's $2.0 billion term loan facility due 2018, a component of the Senior Credit 
Facility

Texas Genco LLC

NRG Yield, Inc.’s thermal business, which consists of thermal infrastructure assets that provide 
steam,  hot  water  and/or  chilled  water,  and  in  some  instances  electricity,  to  commercial 
businesses, universities, hospitals and governmental units
Time-of-use
Transportation Services Agreement

Total Shareholder Return

Tennessee Valley Authority

Texas Westmoreland Coal Co.

Terawatt Hour

United Nations Framework Convention on Climate Change

United States of America

U.S. Department of Energy

Accounting principles generally accepted in the U.S.

Solar power projects, typically 20 MW or greater in size (on an alternating current basis), that 
are interconnected into the transmission or distribution grid to sell power at a wholesale level

Value at Risk

Variable Interest Entity

NRG Walnut Creek, LLC, the operating subsidiary of  WCEP Holdings, LLC, which owns
the Walnut Creek project

Western Electricity Coordinating Council

NRG Yield Operating LLC

8

Item 1 — Business

General

PART I

NRG Energy, Inc., or NRG or the Company, is an integrated competitive power company, which produces, sells and delivers 
energy and energy products and services in major competitive power markets in the U.S. while positioning itself as a leader in 
the way residential, industrial and commercial consumers think about and use energy products and services. NRG has one of 
the nation's largest and most diverse competitive generation portfolios balanced with the nation's largest competitive retail energy 
business.  The Company owns and operates approximately 50,000 MW of generation; engages in the trading of wholesale energy, 
capacity and related products; transacts in and trades fuel and transportation services; and directly sells energy, services, and 
innovative, sustainable products and services to retail customers under the names “NRG”, "Reliant" and other retail brand names 
owned by NRG. NRG was incorporated as a Delaware corporation on May 29, 1992.

Strategy

NRG's strategy is to maximize stockholder value through the production and sale of safe, reliable and affordable power 
to its customers in the markets served by the Company, while positioning the Company to meet the market's increasing demand 
for sustainable, low carbon and customized energy solutions for the benefit of the end-use energy consumer. This strategy is 
intended to enable the Company to achieve substantial sustainable growth at reasonable margins while de-risking the Company 
in terms of reduced and mitigated exposure both to environmental risk and cyclical commodity price risk. At the same time, the 
Company's relentless commitment to safety for its employees, customers and partners continues unabated.

To effectuate the Company’s strategy, NRG is focused on: (i) excellence in operating performance of its existing assets 
including repowering its power generation assets at premium sites and optimal hedging of generation assets and retail load 
operations; (ii) serving the energy needs of end-use residential, commercial and industrial customers in competitive markets 
through multiple brands and channels with a variety of retail energy products and services differentiated by innovative features, 
premium service, sustainability, and loyalty/affinity programs; (iii) investing in, and deploying, alternative energy technologies 
both in its wholesale portfolio through its wind and solar portfolio and, particularly, in and around its retail businesses and its 
customers as it transforms this part of its business into a technology-driven provider of retail energy services; and (iv) engaging 
in a proactive capital allocation plan focused on achieving the regular return of and on stockholder capital within the dictates 
of prudent balance sheet management; including pursuing selective acquisitions, joint ventures, divestitures and investments. 
The Company is currently executing several key initiatives in connection with its capital allocation plan as further described in 
Item 7 - Management's Discussion and Analysis.

Business

The  Company’s  core  businesses  include  wholesale  conventional  generation  and  B2B  solutions  (included  in  the  NRG 
Business segment), retail electricity including personal power solutions (included in the NRG Home Retail segment), contracted 
generation owned by NRG Yield, Inc. (included in the NRG Yield segment) and all other renewable utility scale and distributed 
generation that is not otherwise owned by NRG Yield, Inc. (included in the NRG Renew segment).  In addition, the Company 
specifically identifies Home Solar as a separate business (included in the NRG Home Solar segment).

Wholesale Generation

The  Company’s  wholesale  power  generation  business  includes  the  Company's  wholesale  operations  including  plant 
operations,  commercial  operations,  EPC,  energy  services  and  other  critical  related  functions.    In  addition  to  the  traditional 
functions,  the  wholesale  power  generation  business  also  includes  NRG’s  B2B  solutions,  which  include  demand  response, 
commodity sales, energy efficiency and energy management services, and NRG’s conventional distributed generation business, 
consisting of reliability, combined heat and power, thermal and district heating and cooling and large-scale distributed generation. 

The wholesale generation business is capital-intensive and commodity-driven with numerous industry participants that 
compete on the basis of the location of their plants, fuel mix, plant efficiency and the reliability of the services offered. The 
Company has one of the largest and most diversified power generation portfolios in the U.S., with approximately 44,642 MW 
of fossil fuel and nuclear generation capacity at 90 plants as of December 31, 2015.  The Company's power generation assets 
are diversified by fuel-type, dispatch level and region, which helps mitigate the risks associated with fuel price volatility and 
market demand cycles.  NRG's U.S. baseload and intermediate facilities provide the Company with a significant source of cash 
flow, while its peaking facilities provide NRG with opportunities to capture significant upside potential that can arise during 
periods of high demand, which typically drive higher energy prices. 

9

Wholesale power generation is a regional business that is currently highly fragmented and diverse in terms of industry 
structure. As such, there is a wide variation in terms of the capabilities, resources, nature and identities of the companies the 
Company competes with depending on the market. Competitors include regulated utilities, municipalities, cooperatives and 
other independent power producers, and power marketers or trading companies, including those owned by financial institutions.  
Many of the Company's generation assets, however, are located within densely populated areas that tend to have more robust 
wholesale pricing as a result of relatively favorable local supply-demand balance.  The Company has generation assets located 
in or near Houston, New York City, Chicago, Washington D.C., New Jersey, southwestern Connecticut, Pittsburgh, Cleveland, 
and the Los Angeles, San Diego, and San Francisco metropolitan areas.  These facilities, some of which are aging, are often 
ideally situated for repowering or the addition of new capacity because their location and existing infrastructure give them 
significant advantages over undeveloped sites. The Company believes that its extensive generation portfolio provides many 
asset optimization opportunities. To that end, the Company currently has approximately 3,397 MW targeted for Repowering 
and conversion initiatives, all of which is under development or construction.

In addition, the Company continuously evaluates opportunities for development of new generation, on both a merchant 
and contracted basis. As such, the majority of the Company's current developments are in response to RFPs for new generation 
and/or generating capacity backed by contracts with credit-worthy counterparties.  Many RFPs are issued by regulated utilities 
or electric system operators in response to reliability or renewable power mandates.  The Company competes against other power 
plant developers when responding to these RFPs.  The number and type of competitors vary based on the location, generation 
type, project size and counterparty specified in the RFP.  Bids are awarded based on many factors including price, location of 
existing generation, prior experience developing generation resources similar to that specified in the RFP, and creditworthiness. 

The Company's B2B solutions focus on providing distributed products and services as businesses seek greater reliability, 
cleaner power or other benefits that they cannot obtain from the grid.  These solutions include system power, distributed generation, 
solar and wind products, carbon management and specialty services, backup generation, storage and distributed solar, demand 
response and energy efficiency and electric vehicle charging stations. In providing on-site energy solutions, the Company often 
benefits from its ability to supply energy products from its wholesale generation portfolio to commercial and industrial retail 
customers. 

The  Company  also  provides  energy  services  including  operations,  maintenance,  technical,  development  and  asset 

management services to its own facilities and to external customers. 

Home Retail

The Company's retail business provides home energy and related services as well as personal power to consumers through 
various brands and channels across the U.S.  In 2015, the retail business delivered approximately 43 TWhs and had approximately 
2.77 million Recurring customers, plus approximately 624,000 Discrete customers of products and services. The results of the 
Company's retail business make it the largest competitive retail energy provider in the U.S. and Texas, and one of the top six 
competitive retail energy providers in the East. The majority of the Company's retail business sales come in the competitive 
retail energy markets of Connecticut, Delaware, Illinois, Maryland, Massachusetts, New Jersey, New York, Pennsylvania, Ohio 
and Texas, as well as the District of Columbia.  

Retail customers make purchase decisions based on a variety of factors, including price, customer service, brand, product 
choices, bundles or value-added features.  Customers purchase products through a variety of sales channels including direct 
sales,  call  centers,  websites,  brokers  and  brick-and-mortar  stores.   Through  its  broad  range  of  service  offerings  and  value 
propositions, NRG's retail business is able to attract, retain, and increase the value of its customer relationships. NRG's retailers 
are recognized for exemplary customer service, innovative smart energy and technology product offerings and environmentally 
friendly solutions. 

Renewables

The Company’s renewables business consists primarily of the Company’s wind and solar generation facilities that are not 
owned by NRG Yield, Inc. as well as the Company’s business-to-business distributed solar business.  A substantial portion of 
the wind and solar generation facilities contained within the Company’s renewables business are subject to the ROFO Agreement 
between the Company and NRG Yield, Inc.  In addition, the asset management and operation and maintenance groups within 
the renewables business manage a portfolio of wind and solar assets across 27 states, and provide a full range of solar energy 
solutions for utilities, schools, municipalities and businesses. 

10

The business-to-business distributed solar business targets strategic partnerships with local, regional, national and multi-
national companies and institutions to provide on-site and off-site renewable generation. As of December 31, 2015, approximately 
1,884 MW of utility, C&I, and community renewable projects were in operation inclusive of those held both solely by the 
Company and in partnership with NRG Yield, Inc. In addition, the distributed solar business’ backlog of contracted and awarded 
projects in the C&I market spans 16 discrete customer programs across 12 states, and includes clients such as Kaiser Permanente, 
Unilever,  and  Cisco.  In  addition  to  assets  in  operation,  at  year  end  the  Company  held  a  pipeline  of  in-construction  and 
development-stage projects exceeding 850 MW across the C&I, community, and utility renewables markets. 

Similar to the wholesale business, the renewables business also competes for new generation opportunities through RFPs. 
The number and type of competitors vary based on location, generation type, project size and counterparty.  The renewables 
business competes with traditional utilities as well as companies that provide products and services in the downstream solar and 
wind energy value chains. 

NRG Yield

NRG Yield, Inc. is a publicly traded dividend growth-oriented company formed to serve as the primary vehicle through 
which NRG, supported by NRG Renew and NRG Business, owns, operates and acquires diversified contracted renewable and 
conventional generation and thermal infrastructure assets.  As of December 31, 2015, NRG owns a 55.1% voting interest in the 
outstanding common stock of NRG Yield, Inc. NRG Yield, Inc.’s contracted generation portfolio collectively represents 4,438  
MW as of December 31, 2015. Each of the assets sells substantially all of its output pursuant to long-term, fixed price offtake 
agreements with creditworthy counterparties. NRG Yield, Inc. also owns thermal infrastructure assets with an aggregate steam 
and chilled water capacity of 1,315 net MWt and electric generation capacity of 124 MW. These thermal infrastructure assets 
provide steam, hot water and/or chilled water, and in some instances electricity, to commercial businesses, universities, hospitals 
and governmental units in multiple locations, principally through long-term contracts or pursuant to rates regulated by state 
utility commissions.

NRG Yield, Inc. provides the Company with a more competitive cost of capital consistent with the lower risk profile of 
long-term contracted or regulated assets. As such, NRG believes that it directly benefits from NRG Yield, Inc.’s growth through 
its controlling interest in NRG Yield, Inc. and by providing NRG Yield, Inc. a platform of growth through the completion of 
future sales of assets pursuant to the ROFO Agreement. The proceeds of such sales are expected to provide the Company with 
a portion of the capital utilized under its Capital Allocation Program.  

Home Solar

The  Company’s  Home  Solar  business  provides  installation  and  contract  management  services  for  residential  solar 
customers, allowing customers to switch to solar energy in a simple and cost-efficient manner. The Home Solar business competes 
against traditional power generation and retail services as well as other solar installation businesses that may offer competitive 
pricing. 

11

NRG Operations

The NRG businesses described above are all supported through the NRG operational infrastructure, which begins with the 
Company’s asset fleet and the associated commercial and retail operations.  The images below illustrate NRG's U.S. power 
generation and net capacity capabilities as of December 31, 2015, as well as customer, load and regional information surrounding 
the operation of NRG’s retail businesses:

12

 
The following table summarizes NRG's global generation portfolio as of December 31, 2015:

Generation Type
Natural gas(e)
Coal(f)
Oil(g)
Nuclear

Wind

Utility Scale Solar

Distributed Solar

NRG Business

Gulf
Coast

8,651

5,114

—

1,176

—

—

—

East

7,876

10,122

5,581

—

—

—

—

—

—

—

—

—

—

Total generation capacity

14,941

23,579

6,085

Capacity attributable to
noncontrolling interest

—

—

—

Total net generation capacity

14,941

23,579

6,085

Global Generation Portfolio(a)
(In MW)

NRG 
Home 
Solar(b)
—

West

6,085

NRG 
Renew(c)
—

NRG 
Yield (d)
1,879

Total
Domestic

Other
(Inter-
national)

24,491

15,236

5,771

1,176

3,066

1,327

162

144

605

—

—

—

—

—

Total
Global

24,635

15,841

5,771

1,176

3,066

1,327

162

—

—

—

—

190

—

1,061

2,005

845

60

482

9

1,966

4,565

51,229

749

51,978

(638)

(2,053)

(2,691)

1,328

2,512

48,538

— (2,691)

749

49,287

—

—

—

—

—

93

93

—

93

(a)  Includes 90 active fossil fuel and nuclear plants, 16 Utility Scale Solar facilities, 36 wind farms and multiple Distributed Solar facilities.  All Utility Scale 
Solar and Distributed Solar facilities are described in MW on an alternating current basis.  MW figures provided represent nominal summer net MW 
capacity of power generated as adjusted for the Company's owned or leased interest excluding capacity from inactive/mothballed units.

(b)  Includes the aggregate production capacity of installed and activated residential solar energy systems. Also includes capacity from operating portfolios 

of residential solar assets held by RPV Holdco, a partnership between NRG Home Solar and NRG Yield, Inc.

(c)  Includes Distributed Solar capacity from assets held by DGPV Holdco, a partnership between NRG Renew and NRG Yield, Inc.

(d)  Does not include NRG Yield, Inc.'s thermal converted (MWt) capacity, which is part of the NRG Yield operating segment.

(e)  Natural gas generation portfolio does not include: 463 MW related to Osceola, which was mothballed on January 1, 2015; 636 MW related to Coolwater, 
which was retired on January 1, 2015; 16 MW related to SD Jets Kearny 1, which was deactivated in March 2015; 160 MW related to Glen Gardner, 
which was retired on May 1, 2015; 98 MW related to Gilbert, which was retired on May 1, 2015; 335 MW related to El Segundo 4, which was deactivated 
on December 31, 2015; and 60 MW related to SD Jets Kearny 2A-2D, which were deactivated on December 31, 2015. 

(f)  Coal generation portfolio does not include: 251 MW related to Will County Unit 3, which was retired on April 15, 2015; 597 MW related to Shawville, 
which was mothballed on May 31, 2015; 575 MW related to Big Cajun Unit 2, which was converted to natural gas in July 2015; 401 MW related to 
Portland, which was deactivated on December 1, 2015; and 75 MW related to Dunkirk 2, which was mothballed on December 31, 2015.

(g)  Oil generation portfolio does not include 212 MW related to Werner, which was retired on May 1, 2015.

NRG's portfolio diversification and commercial operations hedging strategy provides the Company with reliable future 
cash flows.  NRG has hedged a portion of its coal and nuclear capacity with decreasing hedge levels through 2020.  The majority 
of the Company's generation is in markets with forward capacity markets that extend three years into the future. These capacity 
revenues not only enhance the reliability of future cash flows but are not correlated to natural gas prices.  NRG also has cooperative 
load contract obligations in the Gulf Coast region expiring at various dates through 2025, which largely hedges a portion of the 
Company's generation in this region.  In addition, as of December 31, 2015, the Company had purchased fuel forward under 
fixed price contracts, with contractually-specified price escalators, for approximately 38% of its expected coal requirement from 
2016 to 2020, excluding inventory.  The Company enters into additional hedges when it deems market conditions to be favorable. 

The Company also has the advantage of being able to supply its retail businesses with its own generation, which can reduce 
the need to sell and buy power from other institutions and intermediaries, resulting in lower transaction costs and credit exposures.  
This combination of generation and retail allows for a reduction in actual and contingent collateral, through offsetting transactions 
and by reducing the need to hedge the retail power supply through third parties.  

The generation and retail combination also provides stability in cash flows, as changes in commodity prices generally have 
offsetting impacts between the two businesses.  The offsetting nature of generation and retail, in relation to changes in market 
prices, is an integral part of NRG's goal of providing a reliable source of future cash flow for the Company. 

When developing new renewable and conventional power generation facilities, NRG typically secures long-term PPAs, 
which insulate the Company from commodity market volatility and provide future cash flow stability.  These PPAs are typically 
contracted with high credit quality local utilities and have durations from 10 years to as much as 25 years. 

13

Commercial Operations Overview

NRG seeks to maximize profitability and manage cash flow volatility through the marketing, trading and sale of energy, 
capacity and ancillary services into spot, intermediate and long-term markets and through the active management and trading 
of emissions allowances, fuel supplies and transportation-related services.  The Company's principal objectives are the realization 
of the full market value of its asset base, including the capture of its extrinsic value, the management and mitigation of commodity 
market risk and the reduction of cash flow volatility over time.

NRG enters into power sales and hedging arrangements via a wide range of products and contracts, including PPAs, fuel 
supply contracts, capacity auctions, natural gas derivative instruments and other financial instruments.  In addition, because 
changes in power prices in the markets where NRG operates are generally correlated to changes in natural gas prices, NRG uses 
hedging strategies that may include power and natural gas forward sales contracts to manage the commodity price risk primarily 
associated with the Company's coal and nuclear generation assets.  The objective of these hedging strategies is to stabilize the 
cash flow generated by NRG's portfolio of assets. 

NRG also trades electric power, natural gas and related commodity and financial products, including forwards, futures, 
options and swaps, through its ownership of BETM, which is also an energy management service provider for primarily third-
party generating assets.  Certain other NRG entities trade to a lesser extent, utilizing similar products as well as oil and weather 
products. The Company seeks to generate profits from volatility in the price of electricity, capacity, fuels and transmission 
congestion by buying and selling contracts in wholesale markets under guidelines approved by the Company's risk management 
committee. 

Coal and Nuclear Operations

The following table summarizes NRG's U.S. coal and nuclear capacity and the corresponding revenues and average natural 
gas prices and positions resulting from coal and nuclear hedge agreements extending beyond December 31, 2015, and through 
2019 for the Company's Gulf Coast region:

Gulf Coast

Net Coal and Nuclear Capacity (MW) (a)
Forecasted Coal and Nuclear Capacity (MW) (b)
Total Coal and Nuclear Sales (MW) (c)
Percentage Coal and Nuclear Capacity Sold Forward (d)
Total Forward Hedged Revenues (e)
Weighted Average Hedged Price ($ per MWh) (e)
Average Equivalent Natural Gas Price ($ per MMBtu) (e) 

Gas Price Sensitivity Up $0.50/MMBtu on Coal and Nuclear Units

Gas Price Sensitivity Down $0.50/MMBtu on Coal and Nuclear Units

Heat Rate Sensitivity Up 1 MMBtu/MWh on Coal and Nuclear Units

Heat Rate Sensitivity Down 1 MMBtu/MWh on Coal and Nuclear Units

2016

2017

2018

2019

Annual
Average for
2016-2019

(Dollars in millions unless otherwise stated)

6,290

4,843

5,108

6,290

4,850

2,017

6,290

4,692

1,171

6,290

4,881

1,018

6,290

4,817

2,329

105%

42%

25%

21%

48%

$ 1,876

$ 716

$ 470

$ 446

$ 41.80

$40.54

$45.84

$50.05

$ 3.51

$ 3.66

$ 4.12

$ 4.43

$

$

$

$

(37)

$ 139

$ 172

$ 190

24

15

(2)

$ (141)

$ (157)

$ (171)

$

$

86

(77)

$

$

83

(74)

$

$

97

(86)

(a)  Net coal and nuclear capacity represents nominal summer net MW capacity of power generated as adjusted for the Company's ownership position excluding 

capacity from inactive/mothballed units, see Item 2 - Properties for units scheduled to be deactivated.

(b)  Forecasted generation dispatch output (MWh) based on forward price curves as of December 31, 2015, which is then divided by number of hours in a 

(c) 

given year to arrive at MW capacity. The dispatch takes into account planned and unplanned outage assumptions.
Includes amounts under power sales contracts and natural gas hedges. The forward natural gas quantities are reflected in equivalent MWh based on forward 
market implied heat rate as of December 31, 2015, and then combined with power sales to arrive at equivalent MWh hedged which is then divided by 
number of hours in a given year to arrive at MW hedged.  The coal and nuclear sales include swaps and delta of options sold which is subject to change.  
For detailed information on the Company's hedging methodology through use of derivative instruments, see discussion in Item 15 - Note 5, Accounting 
for Derivative Instruments and Hedging Activities, to the Consolidated Financial Statements.  Includes inter-segment sales from the Company's wholesale 
power generation business to the retail business.

(d)  Percentage hedged is based on total coal and nuclear sales as described in (c) above divided by the forecasted coal and nuclear capacity.
(e)  Represents U.S. coal and nuclear sales, including energy revenue and demand charges. 

14

 
The following table summarizes NRG's U.S. coal capacity and the corresponding revenues and average natural gas prices 
and positions resulting from coal hedge agreements extending beyond December 31, 2015, and through 2019 for the East region:

East

2016

2017

2018

2019

Annual
Average for
2016-2019

Net Coal Capacity (MW) (a)
Forecasted Coal Capacity (MW) (b)
Total Coal Sales (MW) (c)
Percentage Coal Capacity Sold Forward (d)
Total Forward Hedged Revenues (e)
Weighted Average Hedged Price ($ per MWh) (e)
Average Equivalent Natural Gas Price ($ per MMBtu) (e)

Gas Price Sensitivity Up $0.50/MMBtu on Coal Units

Gas Price Sensitivity Down $0.50/MMBtu on Coal Units

Heat Rate Sensitivity Up 1 MMBtu/MWh on Coal Units

Heat Rate Sensitivity Down 1 MMBtu/MWh on Coal Units

(Dollars in millions unless otherwise stated)

8,295

4,250

4,056

7,472

3,568

2,021

7,472

2,873

422

95%

57%

15%

6,256

2,235

5

—%

7,374

3,232

1,626

42%

$ 1,554

$

726

$

117

$

2

$ 43.63

$ 41.01

$ 31.58

$ 41.03

$

$

$

$

$

3.03

93

(38)

41

(31)

$

$

$

$

$

3.02

200

(140)

88

(73)

$

$

$

$

$

2.87

264

(183)

128

(94)

$

$

$

$

$

3.27

220

(149)

121

(88)

(a)  Net coal capacity represents nominal summer net MW capacity of power generated as adjusted for the Company's ownership position excluding capacity 

from inactive/mothballed units, see Item 2 - Properties for units scheduled to be deactivated.

(b)  Forecasted generation dispatch output (MWh) based on forward price curves as of December 31, 2015, which is then divided by number of hours in a 

given year to arrive at MW capacity. The dispatch takes into account planned and unplanned outage assumptions.

(c) 

Includes amounts under power sales contracts and natural gas hedges. The forward natural gas quantities are reflected in equivalent MWh based on forward 
market implied heat rate as of December 31, 2015, and then combined with power sales to arrive at equivalent MWh hedged which is then divided by 
number of hours in a given year to arrive at MW hedged.  The coal sales include swaps and delta of options sold which is subject to change.  For detailed 
information on the Company's hedging methodology through use of derivative instruments, see discussion in Item 15 - Note 5, Accounting for Derivative 
Instruments  and  Hedging Activities,  to  the  Consolidated  Financial  Statements.    Includes  inter-segment  sales  from  the  Company's  wholesale  power 
generation business to the retail business.

(d)  Percentage hedged is based on total coal sales as described in (c) above divided by the forecasted coal capacity.

(e)  Represents U.S. coal sales, including energy revenue and demand charges, excluding revenues derived from capacity auctions.  

Capacity and Other Contracted Revenue Sources

NRG's revenues and cash flows benefit from capacity/demand payments and other contracted revenue sources, originating 
from market clearing capacity prices, Resource Adequacy contracts, tolling arrangements, PPAs and other long-term contractual 
arrangements:  

•  Capacity auctions — The Company's largest sources of capacity revenues are capacity auctions in PJM, ISO-NE, and 
NYISO.  Both ISO-NE and PJM operate a pay-for-performance model where capacity payments are modified based 
on real-time performance, where NRG's actual revenues will be the combination of revenues based on the cleared 
auction  MWs  plus  the  net  of  any  over-  and  under-performance  of  NRG's  fleet.    PJM  integrated  a  new  Capacity 
Performance product into the market in 2015, as further described in Regulatory Matters. In addition, MISO has an 
annual auction, known as the Planning Resource Auction, or PRA. The Gulf Coast assets situated in the MISO market 
may participate in this auction.  In certain circumstances, capacity from the Gulf Coast region may be sold into the 
PJM market. 

•  Resource Adequacy and bilateral contracts — In California, there is a resource adequacy requirement mandated by 
law that is satisfied through bilateral contracts. The Company's newer generation in California is contracted under long-
term tolling agreements. Certain other sites in California have short-term tolling agreements or resource adequacy 
contracts. In addition, NRG earns demand payments from its long-term full-requirements load contracts with nine 
Louisiana distribution cooperatives, which expire in 2025.  Demand payments from the current long-term contracts 
are tied to summer peak demand and provide a mechanism for recovering a portion of the costs associated with new 
or changed environmental laws or regulations. In Texas, capacity and contracted revenues are through bilateral contracts 
with load serving entities. 

• 

Long-term PPAs  — Output from the majority of renewable energy assets and certain conventional energy plants is 
sold through long-term PPAs and tolling agreements to a single counterparty, which is often a utility or commercial 
customer.

15

 
Fuel Supply and Transportation

NRG's fuel requirements consist of various forms of fossil fuel including coal, natural gas, oil and nuclear fuel. The prices 
of fossil fuels are highly volatile. The Company obtains its fossil fuels from multiple suppliers and through multiple transportation 
sources. Although  availability  is  generally  not  an  issue,  localized  shortages,  transportation  availability,  delays  arising  from 
extreme weather conditions and supplier financial stability issues can and do occur.  The preceding factors related to the sources 
and availability of raw materials are fairly uniform across the Company's business segments and fuel products used.

Coal — The  Company  believes  it  is  adequately  hedged,  using  forward  coal  supply  agreements  for  its  domestic  coal 
consumption for 2016.  NRG actively manages its coal requirements based on forecasted generation, market volatility and its 
inventory on site.  As of December 31, 2015, NRG had purchased forward contracts to provide fuel for approximately 34% of 
the Company's expected requirements from 2016 through 2020, excluding inventory.  NRG purchased approximately 43 million 
tons of coal in 2015, of which 80% was Powder River Basin coal and lignite, and 20% was waste and Appalachian coal. For 
fuel transport, NRG has entered into various rail, barge, truck transportation and rail car lease agreements with varying tenures 
that provide for substantially all of the Company's transportation requirement of Powder River Basin coal for the next two years 
and for most of the Company's transportation requirements of Appalachian coal for the next year.

The following table shows the percentage of the Company's coal requirements from 2016 through 2020 that have been 

purchased forward as of December 31, 2015:

2016
2017
2018
2019
2020

Percentage of
Company's
Requirement (a)(b)

94%
38%
15%
13%
13%

(a)  The hedge percentages reflect the current plan for the Jewett mine, which supplies lignite for NRG's Limestone facility. NRG has the contractual ability 

to change volumes and may do so in the future.
Includes expected coal inventory draw down.

(b) 

Natural Gas — NRG operates a fleet of mid-merit and peaking natural gas plants across all its U.S. wholesale regions.  
Fuel needs are managed on a spot basis, especially for peaking assets, as the Company does not believe it is prudent to forward 
purchase natural gas for units, the dispatch of which is highly unpredictable.  The Company contracts for natural gas storage 
services as well as natural gas transportation services to deliver natural gas when needed.

Nuclear Fuel — STP's owners satisfy their fuel supply requirements by: (i) acquiring uranium concentrates and contracting 
for conversion of the uranium concentrates into uranium hexafluoride; (ii) contracting for enrichment of uranium hexafluoride; 
and (iii) contracting for fabrication of nuclear fuel assemblies. Through its proportionate participation in STPNOC, which is the 
NRC-licensed operator of STP and responsible for all aspects of fuel procurement, NRG is party to a number of long-term 
forward purchase contracts with many of the world's largest suppliers covering STP's requirements for uranium concentrates 
with only approximately 25% of STP's requirements outstanding for the duration of the operating license.  Similarly, NRG is 
party to long-term contracts to procure STP's requirements for conversion and enrichment services and fuel fabrication for the 
life of the operating license.

Retail Operations

In 2015, NRG's retail businesses sold electricity to residential, commercial and industrial consumers at either fixed, indexed 
or variable prices.  Residential and smaller commercial consumers typically contract for terms ranging from one month to two 
years while industrial contracts are often between one year and five years in length.  In 2015, NRG's retail businesses sold 
approximately 62 TWhs of electricity. In any given year, the quantity of TWh sold can be affected by weather, economic conditions 
and competition.  The wholesale supply is typically purchased as the load is contracted from a combination of NRG's wholesale 
portfolio and other third parties.  The ability to choose supply from the market or the Company's portfolio allows for an optimal 
combination to support and stabilize retail margins.

16

 
Seasonality and Price Volatility

Annual and quarterly operating results of the Company's wholesale power generation segments can be significantly affected 
by weather and energy commodity price volatility.  Significant other events, such as the demand for natural gas, interruptions 
in fuel supply infrastructure and relative levels of hydroelectric capacity can increase seasonal fuel and power price volatility.  
The preceding factors related to seasonality and price volatility are fairly uniform across the Company's wholesale generation 
business segments.

The sale of electric power to retail customers is also a seasonal business with the demand for power generally peaking 
during the summer months.  As a result, net working capital requirements for the Company's retail operations generally increase 
during summer months along with the higher revenues, and then decline during off-peak months.  Weather may impact operating 
results and extreme weather conditions could materially affect results of operations.  The rates charged to retail customers may 
be impacted by fluctuations in total power prices and market dynamics like the price of natural gas, transmission constraints, 
competitor actions, and changes in market heat rates.

Operational Statistics

The following are industry statistics for the Company's fossil and nuclear plants, as defined by the NERC, and are more 

fully described below:

Annual Equivalent Availability Factor, or EAF — Measures the percentage of maximum generation available over time 
as the fraction of net maximum generation that could be provided over a defined period of time after all types of outages and 
deratings, including seasonal deratings, are taken into account.

Net Heat Rate — The net heat rate represents the total amount of fuel in BTU required to generate one net kWh provided.

Net Capacity Factor — The net amount of electricity that a generating unit produces over a period of time divided by the 
net amount of electricity it could have produced if it had run at full power over that time period. The net amount of electricity 
produced is the total amount of electricity generated minus the amount of electricity used during generation.

The tables below present these performance metrics for the Company's U.S. power generation portfolio, including leased 

facilities and those accounted for through equity method investments, for the years ended December 31, 2015, and 2014:

NRG Business
Gulf Coast
East
West

NRG Renew
NRG Yield (a)

NRG Business
Gulf Coast
East
West

NRG Renew
NRG Yield (a)

(a)  NRG Yield includes thermal generation.

Net Owned
Capacity (MW)

Net Generation
(MWh)

Annual Equivalent
Availability Factor

Fossil and Nuclear Plants
Average Net Heat
Rate BTU/kWh

Net Capacity
Factor

Year Ended December 31, 2015

(In thousands of MWh)

14,941
23,579
6,085
1,966
4,565

57,679
46,289
4,542
4,461
10,471

85.7%
84.0
86.4
95.0
95.7

9,651
10,477
9,189
—
8,651

44.4%
21.6
8.1
39.4
22.9

Year Ended December 31, 2014

Net Owned
Capacity (MW)

Net Generation
(MWh)

Annual Equivalent
Availability Factor
(In thousands of MWh)

Fossil and Nuclear Plants
Average Net Heat
Rate BTU/kWh

Net Capacity
Factor

86.6%
81.6
91.2
—
95.5

9,694
10,367
9,132
—
8,794

44.6%
24.0
7.1
—
23.6

15,412
24,607
7,132
1,911
4,367

59,871
51,192
4,241
4,026
8,373

17

 
 
 
 
The generation performance by region for the three years ended December 31, 2015, 2014, and 2013, is shown below:

NRG Business
Gulf Coast

Coal
Gas
Nuclear (a)

Total Gulf Coast
East

Coal
Oil
Gas

Total East
West

Gas

Total West
NRG Renew
Solar
Wind

Total NRG Renew

NRG Yield
Solar
Wind
Gas and Dual-Fuel

Total NRG Yield (b)

(a)  MWh information reflects the Company's undivided interest in total MWh generated by STP.
(b)  Total NRG Yield includes thermal heating and chilled water generation.

2015

Net Generation
2014
(In thousands of MWh)

2013

29,301
19,804
8,574
57,679

36,245
1,583
8,461
46,289

4,542
4,542

2,180
2,281
4,461

541
5,199
4,731
10,471

36,794
13,967
9,110
59,871

42,939
1,269
6,984
51,192

4,241
4,241

1,901
2,125
4,026

550
3,427
4,396
8,373

37,635
11,674
7,884
57,193

25,853
364
7,864
34,081

2,876
2,876

1,153
534
1,687

520
721
2,589
3,830

18

 
 
Segment Review

Effective in December 2014, the Company's segment structure and its allocation of corporate expenses were updated to 
reflect how management makes financial decisions and allocates resources. The Company has recast data from prior periods to 
reflect this change in reportable segments to conform to the current year presentation.  The Company's businesses are segregated 
as follows: NRG Business; NRG Home, which includes NRG Home Retail and NRG Home Solar; NRG Renew, which includes 
solar and wind assets, excluding those in NRG Yield; NRG Yield and corporate activities.  The Company's corporate segment 
includes BETM, international business and electric vehicle services. Intersegment sales are accounted for at market. NRG Yield 
includes certain of the Company's contracted generation assets. NRG Yield acquired certain assets from the Company, which 
were accounted for as transfers of entities under common control and accordingly, all historical periods have been recast to 
reflect these changes: 

•  On June 30, 2014, El Segundo Energy Center, formerly in the NRG Business segment, Kansas South and High Desert, 

both formerly in the NRG Renew segment. 

•  On January 2, 2015, Walnut Creek, formerly in the NRG Business segment, the Tapestry projects (Buffalo Bear, Pinnacle, 

and Taloga) and Laredo Ridge, both formerly in the NRG Renew segment. 

•  On November 3, 2015, 75% of the class B interests in NRG Wind TE Holdco, which owns a portfolio of 12 wind 

facilities, formerly in the NRG Renew segment.  

Revenues

The following table contains a summary of NRG's operating revenues by segment for the years ended December 31, 2015, 
2014, and 2013, as discussed in Item 15 — Note 18, Segment Reporting, to the Consolidated Financial Statements.  Refer to 
that footnote for additional financial information about NRG's business segments and geographic areas, including a profit measure 
and total assets. In addition, refer to Item 2 — Properties, for information about facilities in each of NRG's business segments.

Year Ended December 31, 2015

Energy
Revenues

Capacity
Revenues

Retail
Revenues

Contract
Amor-
tization

Other
Revenues(a)

Total
Operating
Revenues(b)

Mark-to-
Market
Activities
(In millions)
$

9,142
$ 1,837
NRG Business
5,389
—
NRG Home Retail
32
—
NRG Home Solar
474
—
NRG Renew
869
341
NRG Yield
Corporate and Eliminations (b)
(1,232)
(14)
Total
14,674
$ 2,164
(a)  Primarily consists of revenues generated by the Thermal business, operation and maintenance revenues and unrealized trading activities, primarily at 

$ 5,743
—
—
444
405
(1,098)
$ 5,494

(250) $
—
—
(3)
(2)
11
(244) $

15
—
—
(1)
(54)
—
(40) $

1,499
5,389
32
—
—
(7)
6,913

298
—
—
34
179
(124)
387

$

$

$

$

$

$

BETM.

(b)  Energy revenues include inter-segment sales primarily between NRG Business and NRG Home. 

Year Ended December 31, 2014

Energy
Revenues

Capacity
Revenues

Retail
Revenues

Mark-to-
Market
Activities

Contract
Amor-
tization

Other
Revenues(c)

Total
Operating
Revenues(d)

$ 1,787
NRG Business
—
NRG Home Retail
—
NRG Home Solar
1
NRG Renew
321
NRG Yield
Corporate and Eliminations (d)
(22)
$ 2,087
Total
(c)  Primarily consists of revenues generated by the Thermal business, operation and maintenance revenues and unrealized trading activities, primarily at 

$ 6,476
—
—
384
270
(1,708)
$ 5,422

16
1
—
(1)
(29)
—
(13) $

1,870
5,502
42
—
—
(38)
7,376

11,024
5,503
42
427
746
(1,874)
15,868

340
—
—
39
182
(66)
495

535
—
—
4
2
(40)
501

$

$

$

$

$

$

$

$

(In millions)
$

BETM.

(d)  Energy revenues include inter-segment sales primarily between NRG Business and NRG Home. 

19

 
 
 
 
 
 
Year Ended December 31, 2013

Energy
Revenues

Capacity
Revenues

Retail
Revenues(f)

Mark-to-
Market
Activities

Contract
Amor-
tization

Other
Revenues(e)

Total
Operating
Revenues 

$

NRG Business
194
NRG Home Retail
7
NRG Home Solar
4
NRG Renew
25
NRG Yield
137
Corporate and Eliminations(f)
(80)
287
Total
(e)  Primarily consists of revenues generated by the Thermal business, operation and maintenance revenues and unrealized trading activities.
(f)  Energy revenues include inter-segment sales primarily between NRG Business and NRG Home. 

$ 5,335
—
—
190
111
(2,106)
$ 3,530

$ 1,720
—
—
—
140
(60)
$ 1,800

(540) $
—
—
(1)
—
(37)
(578) $

20
(50)
—
—
(1)
—
(31) $

1,909
4,384
—
—
—
(6)
6,287

$

$

$

(In millions)
$

$

$

8,638
4,341
4
214
387
(2,289)
11,295

Market Framework 

Organized Energy Markets in CAISO, ERCOT, ISO-NE, MISO, NYISO and PJM 

The majority of NRG's fleet operates in one of the organized energy markets, known as RTOs or ISOs. Each organized 
market  administers  day-ahead  and  real-time  centralized  bid-based  energy  and  ancillary  services  markets  pursuant  to  tariffs 
approved by FERC, or in the case of ERCOT, market rules approved by the PUCT.  These tariffs and rules dictate how the energy 
markets operate, how market participants make bilateral sales with one another, and how entities with market-based rates are 
compensated.  Established prices reflect the value of energy at the specific location and time it is delivered, which is known as 
the Locational Marginal Price, or LMP.  Each market is subject to market mitigation measures designed to limit the exercise of 
locational market power.  These market structures facilitate NRG's sale of power and capacity products at market-based rates.    

Other than ERCOT, each of the ISO regions also operates a capacity or resource adequacy market that provides an opportunity 
for generating and demand response resources to earn revenues to offset their fixed costs that are not recovered in the energy 
and ancillary services markets.  The ISOs are also responsible for transmission planning and operations.   

Gulf Coast

NRG's Gulf Coast wholesale power generation business is principally located in the ERCOT and MISO markets.  The 
ERCOT market is one of the nation's largest and historically fastest growing power markets.  For 2015, hourly demand ranged 
from a low of approximately 24,293 MW to a high of approximately 69,877 MW on August 10, 2015, which was a new all-time 
peak demand record in ERCOT, surpassing the previous record of 68,305 MW, set on August 3, 2011.  The ERCOT region 
contains installed generation capacity of approximately 90,401 MW (approximately 24,190 MW from coal, lignite and nuclear 
plants, 45,926 MW from gas, and 20,285 MW from wind, hydro, solar, biomass and behind-the-meter generation).  The ERCOT 
market has limited interconnections to other markets in the U.S.  In addition, NRG's retail business activities in Texas are subject 
to standards and regulations adopted by the PUCT and ERCOT, including the requirement for retailers to be certified by the 
PUCT in order to contract with end-users to sell electricity.  In Texas, a majority of the load is in the ERCOT market region and 
is served by competitive retail suppliers, except certain areas that are served by municipal utilities and electric cooperatives that 
have not opted into competitive choice.

A number of market rule changes have been implemented to provide pricing more reflective of higher energy value when 
operating reserves are scarce or constrained.  The primary stated goal of these market rule changes is to improve scarcity price 
formation,  forward  market  pricing  signals  and  provide  incentives  for  resource  investment.   Among  the  changes  already 
implemented are: introduction of an operating reserve demand curve to establish scarcity prices in the real-time market when 
reserves are depleted, an increase to the system-wide energy and ancillary service offer caps, currently at $9,000 per MWh, an 
increase to the annual peaker net margin threshold to $315,000 from $175,000, an increase to the low system-wide energy offer 
cap to $2,000 (up from $500), higher energy pricing for ISO reliability unit commitments for capacity, and energy price adders 
to offset the price suppressing impacts of out-of-market commitments for reliability. 

On December 19, 2013, Entergy joined MISO and, as a result, NRG's Gulf Coast region generation assets operating in 
the Entergy region, are now principally located within the MISO, participating in the MISO day-ahead and real-time energy and 
ancillary services markets.  Additionally, MISO employs a one-year forward resource adequacy construct, in which capacity 
resources can compete for fixed cost recovery in the capacity auction.  NRG continues to provide full requirement services to 
load-serving entities, including cooperatives and municipalities in the MISO region. 

20

 
 
 
East

NRG's generation and demand response assets located in the East region of the U.S. are within the control areas of the 
ISO-NE, NYISO and PJM.  Each of the market regions in the East region provides for robust competition in the day-ahead and 
real-time energy and ancillary services markets.  Additionally, each allows capacity resources to compete for fixed cost recovery 
in a capacity auction.  

The East region achieves a significant portion of its revenues from capacity markets in ISO-NE, NYISO and PJM.  PJM 
and ISO-NE employ a three-year forward capacity auction construct, while NYISO employs a month-ahead capacity auction 
construct.  Capacity market prices are sensitive to design parameters, as well as additions of new capacity.  Both ISO-NE and 
PJM operate a pay-for-performance model where capacity payments are modified based on real-time generator performance.  
In such markets, NRG’s actual revenues will be the combination of cleared auction MWs times the quantity of MWs cleared, 
plus the net of any over-performance “bonus payments” and any under-performance charges.  Non-performance penalties are 
set to increase over the next several years to over $3,000/MW-hour.  In both markets, bidding rules allow for the incorporation 
of a risk premium into generator bids. 

West 

The Company operates a fleet of natural gas fired facilities located entirely within the CAISO footprint.  The CAISO 
operates day-ahead and real-time locational markets for energy and ancillary services, while managing congestion primarily 
through nodal prices.  The CAISO system facilitates NRG's sale of power, ancillary services and capacity products at market-
based  rates,  either  within  the  CAISO's  centralized  energy  and  ancillary  service  markets  or  bilaterally  pursuant  to  tolling 
arrangements or other capacity sale with California's LSEs.  The CPUC also determines capacity requirements for LSEs and for 
specified local areas utilizing inputs from the CAISO.  Both the CAISO and CPUC rules require LSEs to contract with sufficient 
generation resources in order to maintain minimum levels of generation within defined local areas.  Additionally, the CAISO 
has independent authority to contract with needed resources under certain circumstances, typically either when LSEs have failed 
to procure sufficient resources, or system conditions change unexpectedly.    

The  increase  in  renewable  resources  in  California  is  expected  to  drive  a  growing  need  for  generation  resources  with 
increased operating flexibility, in addition to the established need for dispatchable generation within transmission-constrained 
areas of the transmission system, such as the San Diego, Greater San Francisco Bay Area, Big Creek/Ventura, and Los Angeles 
local reliability areas in which the Company currently operates natural gas-fired generation.  The projected retirement of older 
flexible gas-fired coastal generating units that utilize once-through cooling is also a significant driver of long-term prices in 
California.  Implementing market mechanisms to procure the needed flexibility, and allocating the costs associated with this 
flexibility, are key CAISO initiatives.  The Company is pursuing repowering projects at several of its Southern California sites 
pursuant to long-term contracts. 

Renewables

The Company operates a fleet of utility scale and distributed renewable generating assets across the U.S.  Many states 
have implemented their own renewable portfolio standards requiring LSEs to provide a given percentage of their energy sales 
from renewable resources, such as 33% of generation by 2020 in California.  As a result, a number of LSEs have entered into 
long-term PPAs with the Company's utility scale renewable generating facilities.  In California and Arizona, investor-owned 
utilities are nearing their procurement requirement, resulting in a trend towards smaller sized utility scale projects and a shift of 
contracting to municipalities and other public power entities. In December 2015, the U.S. Congress enacted an extension of the 
30% solar ITC so that projects which begin construction in 2016 through 2019 will continue to qualify for the 30% ITC.  Projects 
beginning construction in 2020 and 2021 will be eligible for the ITC at the rates of 26% and 22%, respectively.  The same 
legislation also extended the 10-year wind PTC for wind projects which begin construction in years 2016 through 2019.  Wind 
projects which begin construction in the years 2017, 2018 and 2019 are eligible for PTC at 80%, 60% and 40% of the statutory 
rate per kWh, respectively. 

21

Retail

NRG's retail business sells energy and related services as well as portable power and battery solutions to customers across 
the country. In most of the states that have introduced retail competition, NRG's retail business competitively offers retail power, 
natural gas, portable power or other value-enhancing services to end-use customers. Each retail choice state establishes its own 
retail competition laws and regulations, and the specific operational, licensing, and compliance requirements vary on a state-
by-state basis. In the East markets, incumbent utilities currently provide default service and as a result typically serve a majority 
of residential customers. Regulated terms and conditions of default service, as well as any movement to replace default service 
with competitive services, as is done in ERCOT, can affect customer participation in retail competition.  The attractiveness of 
NRG's retail offerings in each state may be impacted by the rules, regulations, market structure and communication requirements 
from public utility commissions across the country.

Home Solar

The Home Solar business operates in a number of states where solar solutions are attractive and price competitive to 
consumers.  Many state public service commissions are evaluating changes to their retail rules, including net metering rules, 
imposition of minimum bills or an increased fixed component to bills, among other potential changes. In December 2015, the 
U.S. Congress enacted an extension of the 30% solar ITC so that projects which begin construction in 2016 through 2019 will 
continue to qualify for the 30% ITC.  Projects beginning construction in 2020 and 2021 will be eligible for the ITC at rates of 
26% and 22%, respectively.  The ITC reverts to a permanent 10% thereafter. 

Regulatory Matters 

As owners of power plants and participants in wholesale and retail energy markets, certain NRG entities are subject to 
regulation by various federal and state government agencies.  These include the CFTC, FERC, NRC and the PUCT, as well as 
other public utility commissions in certain states where NRG's generating, thermal, or distributed generation assets are located.  
In addition, NRG is subject to the market rules, procedures and protocols of the various ISO and RTO markets in which it 
participates.  Likewise, certain NRG entities participating in the retail markets are subject to rules and regulations established 
by the states in which NRG entities are licensed to sell at retail.  NRG must also comply with the mandatory reliability requirements 
imposed by the North American Electric Reliability Corporation and the regional reliability entities in the regions where the 
Company operates.  

NRG's operations within the ERCOT footprint are not subject to rate regulation by FERC, as they are deemed to operate 
solely within the ERCOT market and not in interstate commerce.  These operations are subject to regulation by the PUCT, as 
well as to regulation by the NRC with respect to the Company's ownership interest in STP.

Federal Regulation

CFTC

The CFTC, among other things, has regulatory oversight authority over the trading of swaps, futures and many commodities 
under the Commodity Exchange Act, or CEA. Since 2010, there have been a number of reforms to the regulation of the derivatives 
markets, both in the U.S. and internationally.  These regulations, and any further changes thereto, or adoption of additional 
regulations, including any regulations relating to position limits on futures and other derivatives or margin for derivatives, could 
negatively impact the Company’s ability to hedge its portfolio in an efficient, cost-effective manner by, among other things, 
potentially decreasing liquidity in the forward commodity and derivatives markets or limiting the Company’s ability to utilize 
non-cash collateral for derivatives transactions.

FERC

FERC, among other things, regulates the transmission and the wholesale sale by public utilities of electricity in interstate 
commerce under the authority of the FPA.  Under existing regulations, FERC determines whether an entity owning a generation 
facility is an EWG as defined in the PUHCA. FERC also determines whether a generation facility meets the ownership and 
technical criteria of a QF under PURPA.  The transmission of electric energy occurring wholly within ERCOT is not subject to 
FERC's rate jurisdiction under Sections 203 or 205 of the FPA.  Each of NRG's non-ERCOT U.S. generating facilities either 
qualifies as a QF, or the subsidiary owning the facility qualifies as an EWG.

Public utilities are required to obtain FERC's acceptance, pursuant to Section 205 of the FPA, of their rate schedules for 
the wholesale sale of electricity.  Generally all of NRG's non-QF generating and power marketing entities located outside of 
ERCOT make sales of electricity pursuant to market-based rates, as opposed to traditional cost-of-service regulated rates.

22

U.S.  Supreme  Court Agrees  to  Consider  the  Constitutionality  of  Maryland's  Generator  Contracting  Programs  —  On 
October  19,  2015,  the  U.S.  Supreme  Court  agreed  to  hear  a  case  challenging  the  constitutionality  of  certain  state-directed 
procurements of new electric generating facilities.  The case involves the authority of the Maryland Public Service Commission 
to  direct  load-serving  utilities  in  the  state  to  enter  into  long-term  power  purchase  contracts  with  a  generation  developer  to 
encourage  the  construction  of  new  generation  capacity  in  Maryland.   The  constitutionality  of  the  long-term  contracts  was 
challenged in the U.S. District Court for the District of Maryland, which, in an October 24, 2013, decision, found that the 
contracts violated the Supremacy Clause of the U.S. Constitution because they were both conflict preempted and field preempted 
by the FPA and the authority that the FPA granted to FERC.  On June 30, 2014, the U.S. Court of Appeals for the Fourth Circuit 
affirmed the District Court's decision.  A case arising out of New Jersey and raising similar issues was decided by the U.S. Court 
of Appeals for the Third Circuit, which also determined that the state-mandated contracts were preempted.  After the Supreme 
Court granted certiorari in the Maryland case, the Company filed a friend-of-the-court brief urging the Court to uphold the right 
of states to incentivize new generation by directing utilities in the state to enter into long-term contracts — but noted that FERC 
has both the authority and the statutory obligation to protect wholesale markets by requiring that bids in the wholesale markets 
reflect costs and by ensuring that uneconomic entry does not distort auction outcomes.  The Supreme Court heard oral argument 
on February 24, 2016.  The outcome of this litigation could have broad impacts on whether and how states require utilities to 
contract with new generation resources, as well as how such contracted resources interact with the FERC-jurisdictional wholesale 
markets.

U.S. Supreme Court Allows FERC to Retain Jurisdiction Over Demand Response — On January 25, 2016, the U.S. Supreme 
Court  issued  a  6-2  decision  affirming  FERC’s  ability  to  exercise  jurisdiction  over  demand  response  resources  seeking  to 
voluntarily participate in the wholesale markets.  Additionally, the Supreme Court upheld FERC’s preferred scheme for pricing 
demand response in the energy market.  This case arose out of a May 23, 2014, decision by the D.C. Circuit which vacated 
FERC’s rules (known as Order No. 745) that set the compensation level for demand response resources participating in the 
FERC-jurisdictional energy markets.  The Court of Appeals had held that the FPA does not authorize FERC to exercise jurisdiction 
over demand response and that instead demand response is part of the retail market over which the states have jurisdiction.  With 
the Supreme Court’s decision, FERC will resume exercising jurisdiction over demand response, which the Company views as 
a positive for both its wholesale and distributed businesses.    

State Regulation

In Texas, NRG's operations within the ERCOT footprint are not subject to rate regulation by FERC, as they are deemed 
to operate solely within the ERCOT market and not in interstate commerce.  These operations are subject to regulation by the 
PUCT, as well as to regulation by the NRC with respect to the Company's ownership interest in STP.

In New York, the Company's generation subsidiaries are electric corporations subject to "lightened" regulation by the 
NYSPSC.  As such, the NYSPSC exercises its jurisdictional authority over certain non-rate aspects of the facilities, including 
safety, retirements, and the issuance of debt secured by recourse to the Company's generation assets located in New York.  The 
Company currently has blanket authorization from the NYSPSC for the issuance of $15 billion of debt.  Additionally, the NYSPSC 
has provided GenOn Bowline with a separate debt authorization of $1.488 billion. 

In California, the Company's generation subsidiaries are subject to regulation by the CPUC with regard to certain non-
rate  aspects  of  the  facilities,  including  health  and  safety,  outage  reporting  and  other  aspects  of  the  facilities'  operations. 
Additionally, the competitiveness of many of NRG's new businesses is dependent on state competition and other policies.

Nuclear Operations

NRG South Texas LP is a 44% owner of a joint undivided interest in STP, the other owners of STP being the City of Austin, 
Texas (16%) and the City Public Service Board of San Antonio (40%).  STP Nuclear Operating Company, or STPNOC, was 
founded by the then-owners in 1997 to operate the plant and it is the operator licensee and holder of the Facility Operating 
Licenses NPF-76 and NPF-80. STPNOC is a nonstock, nonprofit, nonmember corporation. Each owner of STP appoints a board 
member (and the three directors then choose a fourth director who also serves as the chief executive officer of STPNOC). A 
participation agreement establishes an owners' committee with voting interests consistent with ownership interests. 

As a holder of an ownership interest in STP, NRG South Texas LP is an NRC licensee and is subject to NRC regulation.  
The NRC license gives the Company the right only to possess an interest in STP but not to operate it.  As a possession-only 
licensee, i.e., non-operating co-owner, the NRC's regulation of NRG South Texas LP is primarily focused on the Company's 
ability to meet its financial  and  decommissioning funding assurance obligations.  In connection with the NRC license, the 
Company and its subsidiaries have a support agreement to provide up to $120 million to support operations at STP. 

23

  Decommissioning  Trusts — Upon  expiration  of  the  operating  licenses  for  the  two  generating  units  at  STP,  currently 
scheduled for 2027 and 2028, the co-owners of STP are required under federal law to decontaminate and decommission the STP 
facility.    Under  NRC  regulations,  a  power  reactor  licensee  generally  must  pre-fund  the  full  amount  of  its  estimated  NRC 
decommissioning obligations unless it is a rate-regulated utility, or a state or municipal entity that sets its own rates, or has the 
benefit of a state-mandated non-bypassable charge available to periodically fund the decommissioning trust such that the trust, 
plus allowable earnings, will equal the estimated decommissioning obligations by the time the decommissioning is expected to 
begin.

 NRG South Texas LP, through its 44% ownership interest, is the beneficiary of decommissioning trusts that have been 
established to provide funding for decontamination and decommissioning of STP. CenterPoint and AEP collect, through rates 
or other authorized charges to their electric utility customers, amounts designated for funding NRG South Texas LP's portion 
of the decommissioning of the facility.  NRG South Texas LP filed a decommissioning cost rate case with the PUCT in 2013 
based upon a third party cost study and assuming a twenty year license extension, which resulted in a decrease in the rate of 
collections.  The PUCT approved the rate changes.  See also Item 15 — Note 6, Nuclear Decommissioning Trust Fund, to the 
Consolidated Financial Statements for additional discussion.

In the event that the funds from the trusts are ultimately determined to be inadequate to decommission the STP facilities, 
the original owners of the Company's STP interests, CenterPoint and AEP, each will be required to collect, through their PUCT-
authorized non-bypassable rates or other charges to customers, additional amounts required to fund NRG South Texas LP's 
obligations relating to the decommissioning of the facility.  Following the completion of the decommissioning, if surplus funds 
remain in the decommissioning trusts, those excesses will be refunded to the respective rate payers of CenterPoint or AEP, or 
their successors. 

STP License Amendment — On November 18, 2015, STP Unit 1 Shutdown Bank Control Rod D6 was determined to be 
inoperable  following  a  scheduled  refueling  and  maintenance  outage.   Following  extensive  analyses,  on  December  3,  2015, 
STPNOC submitted an Emergency License Amendment Request to the NRC seeking authorization to operate Unit 1 during the 
next 18-month operating cycle with 56 full-length control rods instead of 57.  The NRC approved the license amendment on 
December 11, 2015.  The approved license amendment supports STP Unit 1 operation with Control Rod D6 and the associated 
control rod drive shaft removed.  STPNOC anticipates seeking a license amendment to allow for the continued operation of Unit 
1 in this configuration in the first quarter of 2016.

Nuclear Regulatory Commission Near-Term Task Force Report — On July 12, 2011, the NRC Near-Term Task Force, or 
the Task Force, issued its report, which reviewed nuclear processes and regulations in light of the accident at the Fukushima 
Daiichi Nuclear Power Station in Japan.  The Task Force concluded that U.S. nuclear plants are operating safely and did not 
identify changes to the existing nuclear licensing process nor recommend fundamental changes to spent nuclear fuel storage.  
The  Task  Force  report  made  recommendations  in  three  key  areas:  the  NRC's  regulatory  framework,  specific  plant  design 
requirements, and emergency preparedness and actions. Among other things, the Task Force required each operator to conduct 
a review of seismic and flooding risks (beyond the design license basis). STPNOC’s analysis confirmed the design adequacy 
and determined that no other actions are needed with respect to these risks. In conducting its review, STPNOC followed the 
guidance in the “Seismic Evaluation Guidance: Screening, Prioritization, and Implementation Details (SPID) for the Resolution 
of Fukushima Near-Term Task Force Recommendation 2.1: Seismic” report published by the Electric Power Research Institute.  

Other responsive actions include installation of additional safety-related, redundant cooling systems, hardening of spent 
fuel pool instrumentation, improved emergency communications and increased responsive staffing, and the establishment of 
two FLEX (Flexible Emergency Response Equipment) sites serving the entire industry. With respect to STP, all currently identified 
tasks were completed with the conclusion of the refueling outage in December 2015. Until further action is taken by the NRC 
(including issuance of actions required in response to Tier 2 and 3 recommendations), the Company cannot definitively predict 
the impact of any additional recommendations by the Task Force and could be required to make additional investments at STP 
Units 1 and 2.

24

Regional Regulatory Developments

NRG is affected by rule/tariff changes that occur in the ISO regions.  For further discussion on regulatory developments 

see Item 15 — Note 23, Regulatory Matters, to the Consolidated Financial Statements.

East Region

PJM 

PJM Auction Results — On August 21, 2015, PJM announced the results of its 2018/2019 Base Residual Auction, officially 
integrating  the  new  Capacity  Performance  product  into  the  market.    NRG  cleared  approximately  13,388  MW  of  Capacity 
Performance product and 784 MW of Base Capacity product in the 2018/2019 Base Residual Auction. NRG’s expected capacity 
revenues  from  the  2018/2019  Base  Residual Auction  are  approximately  $900  million.    PJM  announced  the  results  of  its 
Transitional Capacity Auctions for the 2016/2017 and 2017/2018 delivery years, respectively, on August 31, 2015, and September 
9, 2015.  NRG cleared approximately 3,900 MW of Capacity Performance product in the 2016/2017 Transactional Capacity 
Auction, and 9,700 MW of Capacity Performance product in the 2017/2018 Transitional Capacity Auction.  NRG expects an 
approximately $425 million increase in PJM capacity revenue from 2016/2017 to 2018/2019 due to the Capacity Performance 
product.  

The table below provides a detailed description of NRG’s 2018/2019 Base Residual Auction results:

Base Capacity Product

Capacity Performance Product

Zone
COMED

EMAAC

MAAC

RTO
Total

  Cleared Capacity (MW)(1)
221

189

68

306

784

Price 
($/MW-day)
$200.21

$210.63

$149.98

$149.98

  Cleared Capacity (MW)(1)
4,088

981

6,618

1,701

13,388

Price 
($/MW-day)
$215.00

$225.42

$164.77

$164.77

(1) Includes imports. Does not include capacity sold by NRG Curtailment Specialists.

Capacity Performance Rehearings — On June 9, 2015, FERC approved changes to PJM’s capacity market.  Major elements 
of the approved changes to the Capacity Performance framework include the calculation of the bid cap, elimination of the 2.5% 
holdback for short lead-time resources, and substantial performance penalties on Capacity Performance resources that do not 
perform in real time during specific periods of high demand. The rules mandate that underperformance penalties be paid to units 
that over perform during those periods of high demand.  NRG’s actual revenues will be the combination of the revenues based 
on the cleared auction MW plus the net of any over and under performance of NRG's fleet.  On July 9, 2015, multiple parties, 
including NRG, filed requests for rehearings at FERC regarding the framework of the new annual capacity auctions.  Rehearing 
is pending.

In addition, multiple parties sought clarification on whether demand resources could participate in the Capacity Performance 
Transition Auctions.  On July 22, 2015, FERC issued an order allowing demand response and energy efficiency resources to 
participate in the Capacity Performance Transition Auctions. Rehearing is pending.  

Capacity Replacement — On March 10, 2014, PJM filed at FERC to limit speculation in the forward capacity auction.  
Specifically, PJM proposed tariff changes that are designed to ensure that only capacity resources that are reasonably expected 
to be provided as a physical resource by the start of the delivery year can participate in the Base Residual Auction.  These changes 
include the addition of a replacement capacity adjustment charge that is intended to remove the incentive to profit from replacing 
capacity commitments, an increase in deficiency penalties for non-performance, and a reduction in the number of incremental 
auctions from three to one.  On May 9, 2014, FERC rejected PJM’s proposed changes to address replacement capacity and 
incremental auction design, but established a Section 206 proceeding and technical conference to find a just-and-reasonable 
outcome.  On August 18, 2014, PJM requested that FERC defer further action in the proceeding.  Since the request, FERC has 
taken no action. The Section 206 proceeding and technical conference could have a material impact on future PJM capacity 
prices.

25

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Reactive Power — On November 20, 2014, FERC issued an Order to Show Cause under FPA Section 206 directing PJM 
to either revise its tariff to provide that a generation or non-generation resource owner will no longer receive reactive power 
capability payments after it has deactivated its unit and to clarify the treatment of reactive power capability payments for units 
transferred out of a fleet or show cause why it should not be required to do so.  On December 22, 2014, PJM filed proposed 
tariff changes, and the matter remains pending at FERC.  NRG's reactive power revenues may change as a result of this proceeding.

Demand Response Operability — On May 9, 2014, FERC largely accepted PJM’s proposed changes on demand response 
operability in an attempt to enhance the operational flexibility of demand response resources during the operating day. The 
approval of these changes will likely limit the amount of demand response resources eligible to participate in PJM. The matter 
is pending rehearing at FERC.  

MOPR Revisions — On May 2, 2013, FERC accepted PJM's proposal to substantially revise its Minimum Offer Price 
Rule.  Among other things, FERC approved the portions of the PJM proposal that exempt many new entrants from demonstrating 
that their proposed projects are economic, as well as providing a similar exemption from public power entities and certain self-
supply entities. This exemption is subject to certain conditions designed to limit the financial incentive of such entities to suppress 
market prices.  On June 3, 2013, the Company filed a request for rehearing of the FERC order and subsequently protested the 
manner in which PJM proposed to implement the FERC order. On October 15, 2015, FERC denied the requests for rehearing 
and accepted PJM’s compliance filing.  The Company, along with other parties, filed a petition for review of FERC's decision 
with the D.C. Circuit.  

AEP and FirstEnergy Ohio Contracts — FirstEnergy and AEP, through their regulated Ohio utilities, have sought approval 
at the Public Utility Commission of Ohio of a capacity market “swap” where FirstEnergy’s and AEP’s “merchant” resources 
would  recover  the  full  costs  of  their  generation  facilities  through  a  non-bypassable  surcharge  applicable  to  all  Ohio  retail 
customers.  Evidence introduced in the Ohio proceeding suggests that these contracts could impose more than $1,000 per Ohio 
retail customer in excess costs over the next eight years.  A coalition of consumer and supply groups are opposing the proposed 
contracts before the Public Utility Commission of Ohio.  Additionally, NRG and numerous other coalition members have filed 
a complaint at FERC questioning whether FirstEnergy and AEP have the regulatory approvals necessary to enter into above-
market contracts with their generation affiliates without further FERC review.  That complaint is pending at FERC. 

New England

Performance Incentive Proposal — On January 17, 2014, ISO-NE filed at FERC to revise its forward capacity market, or 
FCM, by making a resource’s forward capacity market compensation dependent on resource output during short intervals of 
operating  reserve  scarcity.    The  ISO-NE  proposal  would  replace  the  existing  shortage  event  penalty  structure  with  a  new 
performance incentive, or PI, mechanism, resulting in capacity payments to resources that would be the combination of two 
components: (1) a base capacity payment and (2) a performance payment or charge.  The performance payment or charge would 
be entirely dependent upon the resource’s delivery of energy or operating reserves during scarcity conditions, and could be larger 
than the base payment.  

On May 30, 2014, FERC found that most of the provisions in the ISO-NE proposal, with modifications, together with an 
increase to the reserve constraint penalty factors, provided a just and reasonable structure. FERC instituted a proceeding for 
further hearings and required ISO-NE to make a compliance filing to modify its proposal and adopt the increases to the reserve 
constraint penalty factors. FERC denied rehearing. The New England Power Generators Association filed a petition for review 
of FERC's decision with the D.C. Circuit.

FCM Rules for 2014 Forward Capacity Auction — On February 28, 2014, ISO-NE filed with FERC the results of Forward 
Capacity Auction 8.  On September 16, 2014, FERC issued a notice stating that the Forward Capacity Auction 8 results would 
go into effect by operation of law.  Several parties requested rehearing of FERC’s notice. FERC rejected those requests on legal 
and procedural grounds. A petition for review of FERC's decision was filed with the D.C. Circuit. The Company, along with 
other parties, filed a brief in support of FERC.  An adverse decision could call into question the capacity revenues associated 
with the 2017/2018 delivery year.

Sloped Demand Curve Filing — On May 30, 2014, FERC accepted the proposed tariff revisions discussed in the April 1, 
2014 ISO-NE filing at FERC regarding the establishment of a sloped demand curve for use in the ISO-NE Forward Capacity 
Market.  The accepted tariff changes include extending the period during which a market participant can lock-in the capacity 
price for a new resource from five to seven years, establishing a limited exemption for the buyer-side market mitigation rules 
for a set amount of renewable resources, and eliminating the administrative pricing rules.  The shift away from the current 
vertical demand curve and accompanying proposed changes could have a material impact on the capacity prices in future auctions 
as well as an impact on resources that have a price lock-in.  FERC denied rehearing.  The Company, along with other generators, 
filed a petition for review of FERC's decision with the D.C. Circuit. 

26

In December 2015, FERC voluntarily requested a remand from the D.C. Circuit.  FERC also instituted a FPA Section 206 
proceeding, directing ISO-NE to submit tariff revisions by March 31, 2016, providing for zonal sloped demand curves to be 
implemented beginning in Forward Capacity Auction 11.  The ultimate outcome of this proceeding will affect the market design 
governing future capacity auctions in New England. 

Challenge to ISO-NE’s Seven-Year Lock-In for New Resources — On February 8, 2016, parties filed a petition in the D.C. 
Circuit requesting that the Court invalidate FERC’s approval of a “price lock” mechanism for new resources in New England.  
The price lock mechanism permits qualified new resources that clear the auction to receive their first-year clearing price for 
seven years.  Any change to the price lock mechanism could affect future capacity prices in New England, as well as affect the 
price that already-cleared resources that elected the price lock could receive from the capacity market in future years.  

New York

Dunkirk Power Reliability Service and Natural Gas Addition — Dunkirk Power LLC has been operating one unit (Unit 
2) under a reliability services agreement with National Grid, or RSSA, through May 31, 2015.  On May 18, 2015, the NYSPSC 
approved National Grid's request for a seven-month extension of the RSSA with Dunkirk to December 31, 2015. Subsequently, 
National Grid confirmed that Dunkirk would not be needed for reliability past December 31, 2015, and the facility ceased 
operations at the end of 2015.

In addition, on February 13, 2014, Dunkirk Power LLC and National Grid agreed to a term sheet for a 10-year agreement 
to govern the addition of natural gas-burning capabilities to the Dunkirk facility.  This term sheet, known as the DNG Agreement 
Term Sheet, was approved by the NYSPSC on June 13, 2014.  On February 27, 2015, Entergy filed a complaint in the U.S. 
District Court for the Northern District of New York alleging that the NYSPSC’s approval of the DNG Agreement Term Sheet 
represents an impermissible interference with FERC’s exclusive jurisdiction over the wholesale markets.  The U.S. District 
Court has stayed further discovery until the case goes through summary judgment procedures.  In connection with the mothball 
of the facility, the pending litigation and the latest reliability assessment completed by NYISO, the Company evaluated the 
related assets for impairment and recorded an impairment loss, as further described in Item 15 - Note 10, Asset Impairments, to 
the Consolidated Financial Statements. 

Request for Investigation of NRG’s Activities Regarding NRG’s Dunkirk Facility — On February 9, 2016, the governor of 
New York sent a letter to the NYSPSC requesting that it investigate whether NRG acted properly in connection with the reliability 
services provided by the Dunkirk facility between 2012 and 2015, as well as with respect to NRG’s repowering of the Dunkirk 
facility, both as approved by the NYPSC.  The Company believes that the allegations in the letter have no merit and intends to 
vigorously dispute these allegations. 

Huntley Power Reliability Service — On August 25, 2015, Huntley Power filed a notice with the NYSPSC of its intent 
to retire Huntley's operating units on March 1, 2016.  Huntley Power filed a cost-of-service filing but subsequently withdrew 
the filing after NYISO confirmed that Huntley would not be needed for bulk system reliability.   

FERC Investigation of NYISO RMR Practices — On February 19, 2015, pursuant to Section 206 of the FPA, FERC found 
NYISO’s tariff to be unjust and unreasonable because it did not contain provisions governing the retention of and compensation 
to generating units for reliability.  FERC ordered NYISO to adopt tariff provisions containing a proposed RMR rate schedule 
and pro forma RMR agreement within 120 days of the date of FERC’s order.  On October 19, 2015, NYISO filed its tariff 
revisions at FERC.  NRG protested the filing. The matter is pending before FERC.

Competitive Entry Exemption to Buyer-Side Mitigation Rules — On December 4, 2014, pursuant to Section 206 of the 
FPA, a group of New York transmission owners filed a complaint seeking a competitive entry exemption to the current NYISO 
buyer-side mitigation rules.  On December 16, 2014, TDI USA Holdings Corporation filed a complaint under Section 206 of 
the  FPA  against  the  NYISO  claiming  that  the  NYISO’s  application  of  the  Mitigation  Exemption Test  under  the  buyer-side 
mitigation  rules  to TDI’s  Champlain  Hudson  1,000  MW  transmission  line  project  is  unjust  and  unreasonable  and  seeks  an 
exemption from the Mitigation Exemption Test.  On February 26, 2015, FERC granted the complaint filed by the New York 
transmission owners and directed the NYISO to adopt a competitive entry exemption into its tariff within 30 days.  In a companion 
order issued on the same day, FERC rejected the TDI complaint on the grounds that TDI’s concerns were adequately addressed 
by FERC’s first order.  On March 30, 2015, NRG filed a request for rehearing.  On August 4, 2015, FERC granted in part and 
denied in part the rehearing requests and conditionally accepted NYISO's compliance filing subject to revisions clarifying that 
the competitive entry exemption is not available for generator or unforced capacity deliverability rights projects that are members 
of the completed class years.

27

Revisions to the Buyer-Side Mitigation Rules — On May 8, 2015, several New York entities, including the NYSPSC, filed 
a complaint against the NYISO under Section 206 of the FPA seeking revisions to the buyer-side market power mitigation 
measures of the NYISO tariff.  The parties requested FERC to find that the current buyer-side mitigation rules are unjust and 
unreasonable because they prevent the ICAP market from functioning properly and that the rules should apply only to a limited 
subset of generation facilities.  NRG protested the complaint. On October 9, 2015, FERC held that certain renewables and self-
supply resources should be exempt from buyer-side mitigation rules and ordered the NYISO to submit a compliance filing.  On 
February 5, 2016, FERC denied rehearing.  The NYISO has yet to issue its compliance filing addressing FERC's order to develop 
exemptions for certain renewables and self-supply resources.  The eventual disposition of this case could impact the ability of 
uneconomic resources to enter the New York market. 

Independent Power Producers of New York (IPPNY) Complaint — On May 10, 2013, as amended on March 25, 2014, a 
generator trade association in New York filed a complaint at FERC against the NYISO.  The generators asked FERC to direct 
the NYISO to require that capacity from existing generation resources that would have exited the market but for out-of-market 
payments under RMR-type agreements be excluded from the capacity market altogether or be offered at levels no lower than 
the resources' going-forward costs.  The complaints point to the recent reliability services agreements entered into between the 
NYSPSC and generators, including Dunkirk Power, as evidence that capacity market prices are being influenced by non-market 
considerations. 

On March 19, 2015, FERC denied IPPNY’s complaint and directed NYISO to establish a stakeholder process to consider 
whether there are circumstances that warrant the adoption of buyer-side mitigation rules in the rest-of-state, and whether mitigation 
measures would need to be in place to address any price suppressing effects of repowering agreements. On June 17, 2015, 
NYISO filed its compliance report describing the outcome of the stakeholder process on concluding that buyer-side mitigation 
measures  in  the  rest-of-state  are  not  warranted.    On  November  16,  2015,  FERC  directed  the  NYISO  to  provide  additional 
information.  On December 16, 2015, NYISO filed responses to FERC's request. Rehearing is pending.  Failure to implement 
buyer-side mitigation measures could result in uneconomic entry, which artificially decreases capacity prices below competitive 
market levels.

Gulf Coast Region 

ERCOT 

Houston Import Project — At its April 8, 2014, meeting, the ERCOT Board endorsed a new 345 kV transmission line 
project designed to address purported reliability challenges related to congestion between north Texas and the Houston region. 
On November 14, 2014, the PUCT denied a challenge by the Company and Calpine Corp. regarding ERCOT's endorsement of 
the  project.  Following  a  contested  hearing,  in  January  2016,  the  PUCT  approved  certificates  of  convenience  and  necessity 
authorizing the transmission utilities to proceed with the project which is projected to be operational by the summer of 2018.  
The project could reduce congestion-related energy prices in the Houston region, where the Company owns several generating 
stations. 

MISO 

Complaints regarding the 2015/2016 Planning Resource Auction — In May 2015, the Illinois Attorney General, Public 
Citizen, Inc., and Southwestern Electric Cooperative, Inc. filed complaints against MISO on the grounds that the results of the 
MISO 2015/2016 Planning Resource Auction resulted in unjust and unreasonable prices, specifically the auction clearing price 
in Zone 4.  NRG, on behalf of itself and GenOn, filed comments providing its view on the rationale for the market outcome.  

On June 30, 2015, the Illinois Energy Consumers filed a complaint with FERC under Section 206 of the FPA regarding 
MISO’s Planning Resource Auction tariff provisions, stating that the current MISO tariff does not produce just and reasonable 
results.  The complaint suggests specific tariff modifications to address these alleged deficiencies, particularly as to the initial 
reference level price and the failure of the MISO tariff to count capacity sold in neighboring capacity markets toward meeting 
local clearing requirements in effect for the zones where capacity is physically located. On October 20, 2015, FERC held a 
technical conference on MISO's Planning Resource Auction, which in part addressed changes to MISO's auction design. 

On December 31, 2015, FERC issued an order directing MISO to change key portions of its capacity market tariff, including 
restricting the ability of suppliers to place offers up to a MISO-developed opportunity cost.  FERC mandated several changes 
to the auction, to be in place before the next planning resource auction in 2016.  MISO is pursuing its own stakeholder reforms 
process to create different rules and implement price formation reforms as to its restructured retail market zones, including Zone 
4.  FERC expressly declined to rule on the portion of the complaint addressing the outcome of the 2015 Zone 4 auction, and 
instead stated that its investigation into the conduct of the auction remained pending. Rehearing is pending.

28

Revisions to MISO Capacity Construct — On November 20, 2015, FERC issued a final order denying the Company’s 
request for rehearing of a 2012 FERC order approving the MISO capacity construct.  The Company filed a petition for review 
of FERC’s decision with the D.C. Circuit on the grounds that FERC’s order denies merchant generators in MISO’s footprint 
any reasonable opportunity to recover their fixed costs.  The eventual outcome of this proceeding could impact MISO’s attempts 
to redesign its capacity markets and thereby affect the value of NRG’s uncontracted assets within the MISO footprint.  

West Region

Select Net Metering Developments —  In California, the CPUC recently issued an order restructuring net energy metering 
credits.  Central to this decision, the CPUC adopted the following for new rooftop systems: (1) continued to support full retail 
rates for rooftop solar systems for 20 years; (2) imposed some new minor charges on customers installing new systems and (3) 
mandated time-of-use, or TOU, retail rates, starting immediately. Today’s TOU rates generally support the economics of rooftop 
solar.  However, the CPUC has initiated proceedings to develop new TOU rate designs that may lower daytime retail rates and 
unfavorably affect the economics of installed rooftop solar systems.  

The Public Utilities Commission of Nevada, or PUCN, recently revised the compensation structure for net energy metering 
rooftop solar customers to raise the amounts paid by these customers on utility bills.  The Nevada decision applies to both new 
and existing solar systems without any grandfathering.  However, the Nevada Commission recently agreed to a 12-year phase 
in for implementation of the new rates.  The PUCN’s decision is currently being appealed.

CAISO

Carlsbad Energy Center — On May 21, 2015, the CPUC approved the Carlsbad Energy Center PPTA for a nominally 
rated 500 MW five unit natural gas peaking plant. On December 7, 2015, three parties filed two petitions for a writ of review 
with the California Court of Appeal appealing the CPUC's decision.  The petitions remain pending.  Additionally, on July 30, 
2015, the CEC approved an amendment to the design of the Carlsbad Energy Center.  On September 22, 2015, the CEC granted 
rehearing of its decision approving the amendment to permit the California Department of Fish and Wildlife, or CDFW, to file 
comments  on  the  proposed  decision.  On  November  12,  2015,  the  CEC  issued  an  order  on  rehearing  affirming  its  decision 
approving the amendment. No party appealed the CEC's decision.

Puente Power Project — On January 11, 2016, the CPUC issued a proposed decision by the assigned administrative law 
judge and an alternate proposed decision by Commissioner Florio addressing, in part, the resource adequacy purchase agreement, 
or RAPA, between SCE and NRG for the construction of the 262 MW natural gas peaking Puente Power Project. Both the 
proposed decision and the Florio alternate proposed decision would delay approval of the RAPA until after the CEC has acted 
on the permit filing for the Puente Power Project. On February 12, 2016, Commissioner Peterman issued an alternate proposed 
decision which would approve the RAPA without delay.  The soonest the three proposed decisions can be taken up  by the CPUC 
is during its March 17, 2016 business meeting.

 Environmental Matters  

NRG is subject to a wide range of environmental laws in the development, construction, ownership and operation of 
projects. These laws generally require that governmental permits and approvals be obtained before construction and during 
operation of power plants. NRG is also subject to laws regarding the protection of wildlife, including migratory birds, eagles 
and threatened and endangered species. Environmental laws have become increasingly stringent and NRG expects this trend to 
continue. The electric generation industry is facing new requirements regarding GHGs, combustion byproducts, water discharge 
and use, and threatened and endangered species. Future laws may require the addition of emissions controls or other environmental 
controls or impose restrictions on the operations of the Company's facilities, which could have a material effect on the Company's 
operations. Complying with environmental laws involves significant capital and operating expenses. NRG decides to invest 
capital for environmental controls based on the relative certainty of the requirements, an evaluation of compliance options, and 
the expected economic returns on capital.   

A number of regulations with the potential to affect the Company and its facilities are in development, under review or 
have been recently promulgated by the EPA, including ESPS/NSPS for GHGs, NAAQS revisions and implementation and 
effluent guidelines.  NRG is currently reviewing the outcome and any resulting impact of recently promulgated regulations and 
cannot fully predict such impact until legal challenges are resolved. 

29

Air 

The CAA and the resulting regulations (as well as similar state and local requirements) have the potential to affect air 
emissions, operating practices and pollution control equipment required at power plants.  Under the CAA, the EPA sets NAAQS 
for certain pollutants including SO2, ozone, and PM2.5.  Many of the Company's facilities are located in or near areas that are 
classified by the EPA as not achieving certain NAAQS (non-attainment areas).  The relevant NAAQS have become more stringent 
and NRG expects that trend to continue.  The Company expects increased regulation at both the federal and state levels of its 
air emissions and maintains a comprehensive compliance strategy to address these continuing and new requirements.  Complying 
with increasingly stringent NAAQS may require the installation of additional emissions control equipment at some NRG facilities 
or retiring of units if installing such controls is not economical.  Significant changes to air regulatory programs affecting the 
Company are described below. 

Ozone NAAQS — On October 26, 2015, the EPA promulgated a rule that reduces the ozone NAAQS to 0.070 ppm.  This 
more stringent NAAQS will obligate the states to develop plans to reduce NOx (an ozone precursor), which could affect some 
of the Company's units. 

Cross-State Air Pollution Rule — The EPA finalized CSAPR in 2011, which was intended to replace CAIR in January 
2012, to address certain state obligations to reduce emissions so that downwind states can achieve federal air quality standards.  
In December 2011, the D.C. Circuit stayed the implementation of CSAPR and then vacated CSAPR in August 2012 but kept 
CAIR in place until the EPA could replace it.  In April 2014, the U.S. Supreme Court reversed and remanded the D.C. Circuit's 
decision.  In October 2014, the D.C. Circuit lifted the stay of CSAPR. In response, the EPA in November 2014 amended the 
CSAPR compliance dates. Accordingly, CSAPR replaced CAIR on January 1, 2015. On July 28, 2015, the D.C. Circuit held 
that the EPA had exceeded its authority by requiring certain reductions that were not necessary for downwind states to achieve 
federal standards.  Although the D.C. Circuit kept the rule in place, the D.C. Circuit ordered the EPA to revise the Phase 2 (or 
2017) (i) SO2 budgets for four states including Texas and (ii) ozone-season NOx budgets for 11 states including Maryland, New 
Jersey, New York, Ohio, Pennsylvania and Texas.  In December 2015, the EPA proposed the CSAPR Update Rule using the 
2008 Ozone NAAQS, which would reduce the total amount of ozone season NOx as compared with the previously utilized 1997 
Ozone NAAQS. If finalized, this proposal would reduce future NOx allocations and/or current banked allowances. While NRG 
cannot predict the final outcome of this rulemaking, the Company believes its investment in pollution controls and cleaner 
technologies coupled with planned plant retirements leave the fleet well-positioned for compliance. 

MATS — In February 2012, the EPA promulgated standards (the MATS rule) to control emissions of HAPs from coal and 
oil-fired electric generating units.  The rule established limits for mercury, non-mercury metals, certain organics and acid gases, 
which limits must be met beginning in April 2015 (with some units getting a 1-year extension).  In June 2015, the U.S. Supreme 
Court issued a decision in the case of Michigan v. EPA and held that the EPA unreasonably refused to consider costs when it 
determined that it was "appropriate and necessary" to regulate HAPs emitted by electric generating units.  The U.S. Supreme 
Court did not vacate the MATS rule but rather remanded it to the D.C. Circuit for further proceedings. In November 2015, the 
EPA proposed a supplemental finding that including a consideration of cost does not alter the EPA's previous determination that 
it is appropriate and necessary to regulate HAPs, including mercury from power plants. In December 2015, the D.C. Circuit 
remanded the MATS rule to the EPA without vacatur. While NRG cannot predict the final outcome of this rulemaking, NRG 
believes that because it has already invested in pollution controls and cleaner technologies, the fleet is well-positioned to comply 
with the MATS rule. 

Clean Power Plan — The national and international attention (including the Paris Agreement) in recent years on GHG 
emissions has resulted in federal and state legislative and regulatory action. In October 2015, the EPA finalized the Clean Power 
Plan, or CPP, addressing GHG emissions from existing EGUs.  The CPP rule faces numerous legal challenges that likely will 
take several years to resolve. On February 9, 2016, the U.S. Supreme Court stayed the CPP.

30

CO2 Emissions — NRG emits CO2 when generating electricity at most of its facilities. The graphs presented below illustrate 
NRG's  U.S.  emissions  of  CO2 for 2013, 2014 and 2015.  NRG anticipates reductions in its future emissions profile as the 
Company modernizes the fleet through repowering, improves generation efficiencies, and explores methods to capture CO2. By 
2030, the Company's goal is to reduce its CO2 emissions by 50%, using 2014 as a baseline. From 2014 to 2015, the Company's 
CO2 emissions decreased from 102 million metric tons to approximately 86 million metric tons, representing a 16% reduction 
year over year. Factors leading to the decreased emissions include reductions in fleetwide annual net generation due to an overall 
decrease in market demand and a market-driven shift towards increased generation from natural gas over coal. The Company's 
goal is to reduce its CO2 emissions by 90% by 2050. 

The effects from federal, regional or state regulation of GHGs on the Company's financial performance will depend on a 
number of factors, including the outcome of the legal challenges, regulatory design, level of GHG reductions, the availability 
of offsets, and the extent to which NRG would be entitled to receive CO2 emissions credits without having to purchase them in 
an auction or on the open market.  Thereafter, under any such legislation or regulation, the impact on NRG would depend on 
the Company's level of success in developing and deploying low and no carbon technologies.

Byproducts, Wastes, Hazardous Materials and Contamination

In April 2015, the EPA finalized the rule regulating byproducts of coal combustion (e.g., ash and gypsum) as solid wastes 
under the RCRA. The Company is evaluating the impact of the new rule on its results of operations, financial condition and 
cash flows and has accrued its environmental and asset retirement obligations under the rule based on current estimates as of 
December 31, 2015. 

Domestic Site Remediation Matters

Under certain federal, state and local environmental laws, a current or previous owner or operator of any facility, including 
an electric generating facility, may be required to investigate and remediate releases or threatened releases of hazardous or toxic 
substances or petroleum products at the facility. NRG may be responsible for property damage, personal injury and investigation 
and remediation costs incurred by a party in connection with hazardous material releases or threatened releases.  These laws, 
including the Comprehensive Environmental Response, Compensation and Liability Act of 1980 as amended by the Superfund 
Amendments and Reauthorization Act of 1986, or SARA, impose liability without regard to whether the owner knew of or 
caused the presence of the hazardous substances, and the courts have interpreted liability under such laws to be strict (without 
fault) and joint and several.  Cleanup obligations can often be triggered during the closure or decommissioning of a facility, in 
addition  to  spills  during  its  operations.    Further  discussions  of  affected  NRG  sites  can  be  found  in  Item 15 — Note  24, 
Environmental Matters, to the Consolidated Financial Statements.

31

Nuclear Waste — The federal government's program to construct a nuclear waste repository at Yucca Mountain, Nevada 
was discontinued in 2010. Since 1998, the U.S. DOE has been in default of the federal government's obligations to begin accepting 
spent nuclear fuel, or SNF, and high-level radioactive waste, or HLW, under the U.S. Nuclear Waste Policy Act of 1982, or the 
Nuclear Waste Policy Act. Owners of nuclear plants, including the owners of STP, had been required to enter into contracts 
setting out the obligations of the owners and the U.S. DOE, including the fees to be paid by the owners for the U.S. DOE's 
services to license a spent fuel repository. Effective May 16, 2014, the U.S. DOE stopped collecting the fees.  

On February 5, 2013, STPNOC entered into a settlement agreement with the U.S. DOE for payment of damages relating 
to the U.S. DOE's failure to accept SNF and HLW under the Nuclear Waste Policy Act through December 31, 2013, which was 
extended through an addendum dated January 24, 2014, to December 31, 2016.  There are no facilities for the reprocessing or 
permanent disposal of SNF currently in operation in the U.S., nor has the NRC licensed any such facilities. STPNOC currently 
stores all SNF generated by its nuclear generating facilities in on-site storage pools.  Since STPNOC's SNF storage pools do 
not have sufficient storage capacity for the life of the units, STPNOC is proceeding to construct dry cask storage capability on-
site. STPNOC plans to continue to assert claims against the U.S. DOE for damages relating to the U.S. DOE's failure to accept 
SNF and HLW.

Effective October 20, 2014, the NRC issued its Continued Storage of Spent Nuclear Fuel rule that determined that licensees 
can safely store SNF at nuclear power plants beyond the original and renewed licensed operating life of the plants. The rule 
remains subject to legal challenges. Upon the effective date of the rule, the NRC lifted its suspension of licensing actions on 
nuclear power plants. 

Under the federal Low-Level Radioactive Waste Policy Act of 1980, as amended, the state of Texas is required to provide, 
either on its own or jointly with other states in a compact, for the disposal of all low-level radioactive waste generated within 
the state.  STP's warehouse capacity is adequate for on-site storage until a site in Andrews County, Texas becomes fully operational. 

Water 

Clean  Water  Act  —  The  Company  is  required  under  the  CWA  to  comply  with  intake  and  discharge  requirements, 
requirements for technological controls and operating practices.  As with air quality regulations, federal and state water regulations 
are expected to impose additional and more stringent requirements or limitations in the future.  This includes requirements 
governing  cooling  water  intake  structures,  which  are  subject  to  regulation  under  section  316(b)  of  the  CWA  (the  316(b) 
regulations).  In August 2014, EPA finalized the regulation regarding the use of water for once through cooling at existing 
facilities  to  address  impingement  and  entrainment  concerns.    NRG  anticipates  that  more  stringent  requirements  will  be 
incorporated into some of its water discharge permits over the next several years as NPDES permits are renewed.

Effluent  Limitations  Guidelines  —  In  November  2015,  the  EPA  promulgated  a  rule  revising  the  Effluent  Limitations 
Guidelines for Steam Electric Generating Facilities, which will impose more stringent requirements (as individual permits are 
renewed) for wastewater streams from flue gas desulfurization, fly ash, bottom ash, and flue gas mercury control.  The Company 
estimates that it would cost approximately $200 million over the next eight years (the majority of the cost would be incurred 
after 2019) to comply with this rule at 11 coal-fired plants.  This regulation has been challenged and is subject to legal uncertainty.   
The Company decides to invest capital for environmental controls based on: the certainty of regulations; evaluation of different 
technologies; options to convert to gas; and the expected economic returns on the capital.  Over the next several years, the 
Company will decide whether to proceed with these investments at each of the plants as permits are renewed based on, among 
other things, the legal certainty of the regulation and market conditions at that time. 

Regional Environmental Issues

East Region

New Source Review — The EPA and various states have been investigating compliance of electric generating facilities 
with the pre-construction permitting requirements of the CAA known as “new source review,” or NSR.  In 2007, Midwest 
Generation received an NOV from the EPA alleging that past work at Crawford, Fisk, Joliet, Powerton, Waukegan and Will 
County generating stations violated NSR and other regulations. These alleged violations are the subject of litigation described 
in Item 15 — Note 22, Commitments and Contingencies. In January 2009, GenOn received an NOV from the EPA alleging that 
past work at Keystone, Portland and Shawville generating stations violated regulations regarding NSR.  In June 2011, GenOn 
received an NOV from the EPA alleging that past work at Avon Lake and Niles generating stations violated NSR.  In December 
2007, the NJDEP filed suit alleging that NSR violations occurred at the Portland generating station, which suit was resolved 
pursuant to a July 2013 Consent Decree.  Additionally, in April 2013, the Connecticut Department of Energy and Environmental 
Protection  issued  four  NOVs  alleging  that  past  work  at  oil-fired  combustion  turbines  at  the Torrington Terminal,  Franklin, 
Branford and Middletown generating stations violated regulations regarding NSR. 

32

Burton Island Old Ash Landfill — In January 2006, NRG's Indian River Power LLC was notified that it may be a potentially 
responsible party with respect to Burton Island Old Ash Landfill, a historic captive landfill located at the Indian River facility.  
On October 1, 2007, NRG signed an agreement with DNREC to investigate the site through the Voluntary Clean-up Program.  
On February 4, 2008, DNREC issued findings that no further action was required in relation to surface water and that a previously 
planned shoreline stabilization project would satisfactorily address shoreline erosion.  The landfill itself required a Remedial 
Investigation and Feasibility Study to determine the type and scope of any additional required work.  DNREC approved the 
Feasibility Study in December 2012.  In January 2013, DNREC proposed a remediation plan based on the Feasibility Study.  
The remediation plan was approved in October 2013.  In December 2015, DNREC approved the Company's remediation design 
and the Company's Long Term Stewardship Plan. The cost of completing the work required by the approved remediation plan 
is consistent with amounts previously budgeted.  

Additionally, on May 29, 2008, DNREC requested that NRG's Indian River Power LLC participate in the development 
and performance of a Natural Resource Damage Assessment at the Burton Island Old Ash Landfill.  NRG is currently working 
with DNREC and other trustees to close out the assessment process. 

Maryland Environmental Regulations — In December 2014, MDE proposed a regulation regarding NOx emissions from 
coal-fired electric generating units, which had it been finalized would have required by 2020 the Company (at each of the three 
Dickerson coal-fired units and the Chalk Point coal-fired unit that does not have an SCR) to either (1) install and operate an 
SCR; (2) retire the unit; or (3) convert the fuel source from coal to natural gas. In early 2015, the State of Maryland decided not 
to finalize the regulation as proposed. In November 2015, MDE finalized revised regulations to address future NOx reductions, 
which although more stringent than previous regulations, will not cause the Company to spend capital to comply. As a result of 
the new regulations, on February 29, 2016, NRG notified PJM that it was withdrawing the standing deactivation notices for 
Dickerson Units 1, 2 and 3 and Chalk Point Units 1 and 2.

RGGI — The Company operates generating units in Connecticut, Delaware, Maryland, Massachusetts, and New York that 
are subject to RGGI, which is a regional cap and trade system. In 2013, each of these states finalized a rule that reduced and 
will continue to reduce the number of allowances, which the Company believes will increase the price of each allowance.  The 
nine RGGI states are re-evaluating the program and may alter the rules to further reduce the number of allowances. The 2013 
rules and/or revisions being currently contemplated could adversely impact NRG's results of operations, financial condition and 
cash flows. 

Gulf Coast Region

Illinois Union Insurance Company Litigation — On October 2, 2015, the U.S. District Court for the Middle District of 
Louisiana issued an order granting LaGen’s motion for summary judgment on its claims for declaratory judgment and breach 
of contract against ILU for its failure to indemnify LaGen for the costs LaGen paid pursuant to the consent decree that resolved 
the NSR lawsuit which was brought by the U.S. EPA and LA DEQ against LaGen related to Big Cajun II.  The court entered 
judgment in favor of LaGen for approximately $27 million.  In addition, the court ruled that LaGen is entitled to approximately 
$7 million for future consent decree costs as they are incurred.  On October 14, 2015, ILU filed a motion to stay execution of 
the judgment, which was granted on October 19, 2015.  Also, on October 14, 2015, ILU filed a notice to appeal the judgment.  
On January 14, 2016, the U.S. District Court granted LaGen's motion for attorney's fees of approximately $2 million for the 
indemnity phase of the litigation.  On January 29, 2016, ILU filed their appeal brief with the U.S. Court of Appeals for the Fifth 
Circuit. 

Texas Regional Haze — In January 2016, the EPA promulgated a final rule that requires 15 coal-fired units (at eight plants 
in Texas) to reduce their SO2 rates at various times over the next five years.  This Regional Haze rule was promulgated under 
the portion of the CAA that seeks to improve visibility at national parks.  Eight of these 15 units already have scrubbers and 
seven do not.  NRG owns two of the affected units, Limestone units 1 and 2, which already have scrubbers.  The rule requires 
that the Limestone units reduce their SO2 emission rates by 2019.  NRG is analyzing the rule as well as exploring what scrubber 
upgrades and/or operational changes would be most economic to improve the SO2 rates of Limestone units 1 and 2.  If this rule 
survives legal challenges, NRG anticipates that the affected coal units that do not have scrubbers (none of which belong to NRG) 
likely would retire by the first quarter of 2021 (but some possibly sooner). 

Jewett Mine Closure Costs — NRG is party to a long-term contract with Texas Westmoreland Coal Co., or TWCC, under 
which TWCC provides the lignite used to fuel NRG’s Limestone facility, which is obtained from the Jewett mine, a surface 
mine adjacent to the Limestone facility. The contract is based on a cost-plus arrangement with incentives and penalties to ensure 
proper management of the mine. TWCC, the operator of the mine, is responsible for performing reclamation activities at the 
mine.  NRG is responsible for mine reclamation cost obligations and maintains an appropriate ARO. 

33

Environmental Capital Expenditures

NRG estimates that environmental capital expenditures from 2016 through 2020 required to comply with environmental 
laws will be approximately $350 million which includes $68 million for GenOn and $263 million for Midwest Generation.  
These costs, the majority of which will be expended by the end of 2016, are primarily associated with (i) DSI/ESP upgrades at 
the Powerton facility and the Joliet gas conversion to satisfy the IL CPS and (ii) MATS compliance at the Avon Lake facility. 

Customers

NRG sells to a wide variety of customers. No individual customer accounted for 10% or more of NRG's total revenue in 
2015. The Company owns and operates power plants to generate and sell power to wholesale customers such as utilities and 
other intermediaries. The Company also directly sells to end-use customers in the residential, commercial and industrial sectors.

Employees

As of December 31, 2015, NRG had 10,468 employees, approximately 27% of whom were covered by U.S. bargaining 

agreements.  During 2015, the Company did not experience any labor stoppages or labor disputes at any of its facilities.

Available Information

NRG's annual reports on Form 10-K, quarterly reports on Form 10-Q, current reports on Form 8-K, and amendments to 
those reports filed or furnished pursuant to section 13(a) or 15(d) of the Exchange Act are available free of charge through the 
Company's website, www.nrg.com, as soon as reasonably practicable after they are electronically filed with, or furnished to, the 
SEC.  The Company also routinely posts press releases, presentations, webcasts, and other information regarding the Company 
on the Company's website.

34

Item 1A — Risk Factors Related to NRG Energy, Inc.

Risks Related to the Operation of NRG's Business

NRG's financial performance may be impacted by price fluctuations in the wholesale power and natural gas, coal and oil 
markets and other market factors that are beyond the Company's control.

Market prices for power, generation capacity, ancillary services, natural gas, coal and oil are unpredictable and tend to 
fluctuate substantially. Unlike most other commodities, electric power can only be stored on a very limited basis and generally 
must be produced concurrently with its use. As a result, power prices are subject to significant volatility due to supply and demand 
imbalances, especially in the day-ahead and spot markets. Long- and short-term power prices may also fluctuate substantially due 
to other factors outside of the Company's control, including:

• 

• 

• 

• 

changes in generation capacity in the Company's markets, including the addition of new supplies of power from existing 
competitors or new market entrants as a result of the development of new generation plants, expansion of existing plants 
or additional transmission capacity;

environmental regulations and legislation;

electric supply disruptions, including plant outages and transmission disruptions;

changes in power transmission infrastructure;

fuel transportation capacity constraints or inefficiencies;

• 
•  weather conditions, including extreme weather conditions and seasonal fluctuations, including the affects of climate 

change;

• 

• 

• 

• 

• 

• 

• 

• 

• 

• 

changes in commodity prices and the supply of commodities, including but not limited to natural gas, coal and oil;

changes in the demand for power or in patterns of power usage, including the potential development of demand-side 
management tools and practices, distributed generation, and more efficient end-use technologies;

development of new fuels and new technologies for the production of power;

fuel price volatility;

economic and political conditions;

regulations and actions of the ISOs and RTOs; 

federal and state power regulations and legislation;

changes in law, including judicial decisions;

changes in prices related to RECs; and

changes in capacity prices and capacity markets.

Such factors and the associated fluctuations in power prices have affected the Company's wholesale power operating results 

in the past and will continue to do so in the future.

Many of NRG's power generation facilities operate, wholly or partially, without long-term power sale agreements.

Many of NRG's facilities operate as "merchant" facilities without long-term power sales agreements for some or all of their 
generating capacity and output and therefore are exposed to market fluctuations. Without the benefit of long-term power sales 
agreements for these assets, NRG cannot be sure that it will be able to sell any or all of the power generated by these facilities at 
commercially attractive rates or that these facilities will be able to operate profitably. This could lead to future impairments of the 
Company's property, plant and equipment or to the closing of certain of its facilities, resulting in economic losses and liabilities, 
which could have a material adverse effect on the Company's results of operations, financial condition or cash flows.

NRG's costs, results of operations, financial condition and cash flows could be adversely impacted by disruption of its fuel 
supplies.

NRG relies on natural gas, coal and oil to fuel a majority of its power generation facilities. Delivery of these fuels to the 
facilities  is  dependent  upon  the  continuing  financial  viability  of  contractual  counterparties  as  well  as  upon  the  infrastructure 
(including rail lines, rail cars, barge facilities, roadways, riverways and natural gas pipelines) available to serve each generation 
facility. As a result, the Company is subject to the risks of disruptions or curtailments in the production of power at its generation 
facilities if no fuel is available at any price or if a counterparty fails to perform or if there is a disruption in the fuel delivery 
infrastructure. 

35

NRG has sold forward a substantial portion of its coal and nuclear power in order to lock in long-term prices that it deemed 
to be favorable at the time it entered into the forward power sales contracts. In order to hedge its obligations under these forward 
power sales contracts, the Company has entered into long-term and short-term contracts for the purchase and delivery of fuel. 
Many of the forward power sales contracts do not allow the Company to pass through changes in fuel costs or discharge the power
sale obligations in the case of a disruption in fuel supply due to force majeure events or the default of a fuel supplier or transporter. 
Disruptions in the Company's fuel supplies may therefore require it to find alternative fuel sources at higher costs, to find other 
sources of power to deliver to counterparties at a higher cost, or to pay damages to counterparties for failure to deliver power as 
contracted. Any such event could have a material adverse effect on the Company's financial performance.

NRG also buys significant quantities of fuel on a short-term or spot market basis. Prices for all of the Company's fuels 
fluctuate, sometimes rising or falling significantly over a relatively short period of time. The price NRG can obtain for the sale of 
energy may not rise at the same rate, or may not rise at all, to match a rise in fuel or delivery costs. This may have a material 
adverse effect on the Company's financial performance. Changes in market prices for natural gas, coal and oil may result from the 
following:

•  weather conditions;

• 

• 

• 
• 

• 

• 

• 

• 

• 

seasonality;

demand for energy commodities and general economic conditions;

disruption or other constraints or inefficiencies of electricity, gas or coal transmission or transportation;
additional generating capacity;

availability and levels of storage and inventory for fuel stocks;

natural gas, crude oil, refined products and coal production levels;

changes in market liquidity;

federal, state and foreign governmental regulation and legislation; and

the creditworthiness and liquidity and willingness of fuel suppliers/transporters to do business with the Company.

NRG's plant operating characteristics and equipment, particularly at its coal-fired plants, often dictate the specific fuel quality 
to be combusted. The availability and price of specific fuel qualities may vary due to supplier financial or operational disruptions, 
transportation disruptions and force majeure. At times, coal of specific quality may not be available at any price, or the Company 
may not be able to transport such coal to its facilities on a timely basis. In this case, the Company may not be able to run the coal 
facility even if it would be profitable. Operating a coal facility with different quality coal can lead to emission or operating problems. 
If the Company had sold forward the power from such a coal facility, it could be required to supply or purchase power from 
alternate sources, perhaps at a loss. This could have a material adverse impact on the financial results of specific plants and on the 
Company's results of operations.

Unforeseen changes in the price of coal and natural gas could cause the Company to hold excess coal inventories and incur 
contract termination costs. 

Low natural gas prices can cause natural gas to be the more cost-competitive fuel compared to coal for generating electricity. 
Because the Company enters into guaranteed supply contracts to provide for the amount of coal needed to operate its base load 
coal-fired generating facilities, the Company may experience periods where it holds excess amounts of coal if fuel pricing results 
in the Company reducing or idling coal-fired generating facilities. In addition, the Company may incur costs to terminate supply 
contracts for coal in excess of its generating requirements. 

36

Volatile power supply costs and demand for power could adversely affect the financial performance of NRG's retail businesses.

Although NRG is the primary provider of its retail businesses' wholesale electricity supply requirements, the retail businesses 
purchase a significant portion of their supply requirements from third parties. As a result, financial performance depends on the 
ability to obtain adequate supplies of electric generation from third parties at prices below the prices it charges its customers. 
Consequently, the Company's earnings and cash flows could be adversely affected in any period in which the retail businesses' 
wholesale electricity supply costs rise at a greater rate than the rates it charges to customers. The price of wholesale electricity 
supply purchases associated with the retail businesses' energy commitments can be different than that reflected in the rates charged 
to customers due to, among other factors:

• 

• 

• 

• 

• 

varying supply procurement contracts used and the timing of entering into related contracts;

subsequent changes in the overall price of natural gas;

daily, monthly or seasonal fluctuations in the price of natural gas relative to the 12-month forward prices;

transmission constraints and the Company's ability to move power to its customers; and

changes in market heat rate (i.e., the relationship between power and natural gas prices).

The retail businesses' earnings and cash flows could also be adversely affected in any period in which its customers' actual 
usage of electricity significantly varies from the forecasted usage, which could occur due to, among other factors, weather events, 
competition and economic conditions.

There may be periods when NRG will not be able to meet its commitments under forward sale obligations at a reasonable cost 
or at all.

A substantial portion of the output from NRG's coal and nuclear facilities has been sold forward under fixed price power 
sales contracts through 2016 and the Company also sells forward the output from its intermediate and peaking facilities when it 
deems it commercially advantageous to do so. The Company also sells fixed price gas as a proxy for power. Because the obligations 
under most of these agreements are not contingent on a unit being available to generate power, NRG is generally required to deliver 
power to the buyer, even in the event of a plant outage, fuel supply disruption or a reduction in the available capacity of the unit. 
To the extent that the Company does not have sufficient lower cost capacity to meet its commitments under its forward sale 
obligations, the Company would be required to supply replacement power either by running its other, higher cost power plants or 
by obtaining power from third-party sources at market prices that could substantially exceed the contract price. If NRG fails to 
deliver the contracted power, it would be required to pay the difference between the market price at the delivery point and the
contract price, and the amount of such payments could be substantial.

In the Gulf Coast region, NRG has long-term contracts with rural cooperatives that require it to serve all of the cooperatives' 
requirements at prices for energy that generally reflect the cost of coal-fired generation.  On December 19, 2013, the Entergy 
region joined the MISO RTO, which employs a two settlement market in which NRG submits bids for energy to cover its load 
obligations  and  submits  offers  to  sell  energy  from  its  resources.   Given  the  “full  requirements”  obligation  contained  in  the 
cooperative contracts, and the possibility of unplanned forced outages of its generation, NRG may be exposed to locational market 
prices as a net buyer of energy for certain periods, which could have a negative impact on NRG's financial returns from its Gulf 
Coast region.

NRG's trading operations and use of hedging agreements could result in financial losses that negatively impact its results of 
operations.

The Company typically enters into hedging agreements, including contracts to purchase or sell commodities at future dates 
and at fixed prices, in order to manage the commodity price risks inherent in its power generation operations. These activities, 
although intended to mitigate price volatility, expose the Company to other risks. When the Company sells power forward, it gives 
up the opportunity to sell power at higher prices in the future, which not only may result in lost opportunity costs but also may 
require the Company to post significant amounts of cash collateral or other credit support to its counterparties. The Company also 
relies on counterparty performance under its hedging agreements and is exposed to the credit quality of its counterparties under 
those agreements. Further, if the values of the financial contracts change in a manner that the Company does not anticipate, or if 
a counterparty fails to perform under a contract, it could harm the Company's business, operating results or financial position.

NRG does not typically hedge the entire exposure of its operations against commodity price volatility. To the extent it does 
not hedge against commodity price volatility, the Company's results of operations and financial position may be improved or 
diminished based upon movement in commodity prices.

37

NRG may engage in trading activities, including the trading of power, fuel and emissions allowances that are not directly 
related to the operation of the Company's generation facilities or the management of related risks. These trading activities take 
place in volatile markets and some of these trades could be characterized as speculative. The Company would expect to settle 
these trades financially rather than through the production of power or the delivery of fuel. This trading activity may expose the 
Company to the risk of significant financial losses which could have a material adverse effect on its business and financial condition.

NRG may not have sufficient liquidity to hedge market risks effectively.

The Company is exposed to market risks through its power marketing business, which involves the sale of energy, capacity 
and related products and the purchase and sale of fuel, transmission services and emission allowances. These market risks include, 
among other risks, volatility arising from location and timing differences that may be associated with buying and transporting fuel, 
converting fuel into energy and delivering energy to a buyer.

NRG  undertakes  these  marketing  activities  through  agreements  with  various  counterparties.  Many  of  the  Company's 
agreements with counterparties include provisions that require the Company to provide guarantees, offset of netting arrangements, 
letters of credit, a first lien on assets and/or cash collateral to protect the counterparties against the risk of the Company's default 
or insolvency. The amount of such credit support that must be provided typically is based on the difference between the price of 
the commodity in a given contract and the market price of the commodity. Significant movements in market prices can result in 
the Company being required to provide cash collateral and letters of credit in very large amounts. The effectiveness of the Company's 
strategy may be dependent on the amount of collateral available to enter into or maintain these contracts, and liquidity requirements 
may be greater than the Company anticipates or will be able to meet. Without a sufficient amount of working capital to post as 
collateral in support of performance guarantees or as a cash margin, the Company may not be able to manage price volatility 
effectively or to implement its strategy. An increase in the amount of letters of credit or cash collateral required to be provided to 
the Company's counterparties may negatively affect the Company's liquidity and financial condition.

Further, if any of NRG's facilities experience unplanned outages, the Company may be required to procure replacement 
power at spot market prices in order to fulfill contractual commitments. Without adequate liquidity to meet margin and collateral 
requirements, the Company may be exposed to significant losses, may miss significant opportunities, and may have increased 
exposure to the volatility of spot markets.

The accounting for NRG's hedging activities may increase the volatility in the Company's quarterly and annual financial 
results.

NRG engages in commodity-related marketing and price-risk management activities in order to financially hedge its exposure 

to market risk with respect to electricity sales from its generation assets, fuel utilized by those assets and emission allowances.

NRG generally attempts to balance its fixed-price physical and financial purchases and sales commitments in terms of 
contract volumes and the timing of performance and delivery obligations through the use of financial and physical derivative 
contracts. These derivatives are accounted for in accordance with the FASB, ASC 815, Derivatives and Hedging, or ASC 815, 
which requires the Company to record all derivatives on the balance sheet at fair value with changes in the fair value resulting 
from fluctuations in the underlying commodity prices immediately recognized in earnings, unless the derivative qualifies for cash 
flow hedge accounting treatment. Whether a derivative qualifies for cash flow hedge accounting treatment depends upon it meeting 
specific criteria used to determine if the cash flow hedge is and will remain appropriate for the term of the derivative. All economic 
hedges may not necessarily qualify for cash flow hedge accounting treatment. As a result, the Company's quarterly and annual 
results are subject to significant fluctuations caused by changes in market prices.

Competition in wholesale power markets may have a material adverse effect on NRG's results of operations, cash flows and 
the market value of its assets.

NRG has numerous competitors in all aspects of its business, and additional competitors may enter the industry. Because 
many of the Company's facilities are old, newer plants owned by the Company's competitors are often more efficient than NRG's 
aging plants, which may put some of the Company's plants at a competitive disadvantage to the extent the Company's competitors 
are able to consume the same or less fuel as the Company's plants consume. Over time, the Company's plants may be squeezed 
out of their markets or may be unable to compete with these more efficient plants.

In NRG's power marketing and commercial operations, NRG competes on the basis of its relative skills, financial position 
and access to capital with other providers of electric energy in the procurement of fuel and transportation services, and the sale of 
capacity, energy and related products. In order to compete successfully, the Company seeks to aggregate fuel supplies at competitive 
prices from different sources and locations and to efficiently utilize transportation services from third-party pipelines, railways 
and other fuel transporters and transmission services from electric utilities.

38

Other companies with which NRG competes may have greater liquidity, greater access to credit and other financial resources, 
lower cost structures, more effective risk management policies and procedures, greater ability to incur losses, longer-standing
relationships with customers, greater potential for profitability from ancillary services or greater flexibility in the timing of their 
sale of generation capacity and ancillary services than NRG does.

NRG's competitors may be able to respond more quickly to new laws or regulations or emerging technologies, or to devote 
greater resources to the construction, expansion or refurbishment of their power generation facilities than NRG can. In addition, 
current and potential competitors may make strategic acquisitions or establish cooperative relationships among themselves or with 
third parties. Accordingly, it is possible that new competitors or alliances among current and new competitors may emerge and 
rapidly gain significant market share. There can be no assurance that NRG will be able to compete successfully against current 
and future competitors, and any failure to do so would have a material adverse effect on the Company's business, financial condition, 
results of operations and cash flow.

Operation of power generation facilities involves significant risks and hazards customary to the power industry that could have
a material adverse effect on NRG's revenues and results of operations, and NRG may not have adequate insurance to cover 
these risks and hazards.

The ongoing operation of NRG's facilities involves risks that include the breakdown or failure of equipment or processes, 
performance below expected levels of output or efficiency and the inability to transport the Company's product to its customers 
in an efficient manner due to a lack of transmission capacity. Unplanned outages of generating units, including extensions of 
scheduled outages due to mechanical failures or other problems occur from time to time and are an inherent risk of the Company's 
business. Unplanned outages typically increase the Company's operation and maintenance expenses and may reduce the Company's 
revenues as a result of selling fewer MWh or non-performance penalties or require NRG to incur significant costs as a result of 
running one of its higher cost units or obtaining replacement power from third parties in the open market to satisfy the Company's 
forward power sales obligations. NRG's inability to operate the Company's plants efficiently, manage capital expenditures and 
costs, and generate earnings and cash flow from the Company's asset-based businesses could have a material adverse effect on 
the Company's results of operations, financial condition or cash flows. While NRG maintains insurance, obtains warranties from 
vendors and obligates contractors to meet certain performance levels, the proceeds of such insurance, warranties or performance 
guarantees may not be adequate to cover the Company's lost revenues, increased expenses or liquidated damages payments should 
the Company experience equipment breakdown or non-performance by contractors or vendors.

Power generation involves hazardous activities, including acquiring, transporting and unloading fuel, operating large pieces 
of  rotating  equipment  and  delivering  electricity  to  transmission  and  distribution  systems.  In  addition  to  natural  risks  such  as 
earthquake, flood, lightning, hurricane and wind, other hazards, such as fire, explosion, structural collapse and machinery failure 
are inherent risks in the Company's operations. These and other hazards can cause significant personal injury or loss of life, severe 
damage to and destruction of property, plant and equipment, contamination of, or damage to, the environment and suspension of 
operations. The occurrence of any one of these events may result in NRG being named as a defendant in lawsuits asserting claims 
for substantial damages, including for environmental cleanup costs, personal injury and property damage and fines and/or penalties. 
NRG maintains an amount of insurance protection that it considers adequate, but the Company cannot provide any assurance that 
its insurance will be sufficient or effective under all circumstances and against all hazards or liabilities to which it may be subject. 
A successful claim for which the Company is not fully insured could hurt its financial results and materially harm NRG's financial 
condition. NRG cannot provide any assurance that its insurance coverage will continue to be available at all or at rates or on terms 
similar to those presently available. Any losses not covered by insurance could have a material adverse effect on the Company's 
financial condition, results of operations or cash flows.

Maintenance,  expansion  and  refurbishment  of  power  generation  facilities  involve  significant  risks  that  could  result  in 
unplanned power outages or reduced output and could have a material adverse effect on NRG's results of operations, cash 
flows and financial condition.

Many of NRG's facilities are old and require periodic upgrading, improvement, maintenance and repair. Any unexpected 
failure, including failure associated with breakdowns, forced outages or any unanticipated capital expenditures could result in 
reduced profitability.

NRG cannot be certain of the level of capital expenditures that will be required due to changing environmental and safety 
laws (including changes in the interpretation or enforcement thereof), needed facility repairs and unexpected events (such as natural 
disasters or terrorist attacks). The unexpected requirement of large capital expenditures could have a material adverse effect on 
the Company's liquidity and financial condition.

If NRG significantly modifies a unit, the Company may be required to install the best available control technology or to 
achieve the lowest achievable emission rates as such terms are defined under the new source review provisions of the CAA, which 
would likely result in substantial additional capital expenditures.
39

The Company may incur additional costs or delays in the development, construction and operation of new plants, improvements 
to existing plants, or the implementation of environmental control equipment at existing plants and may not be able to recover 
their investment or complete the project.

The  Company  is  developing  or  constructing  new  generation  facilities,  improving  its  existing  facilities  and  adding 
environmental controls to its existing facilities. The development, construction, expansion, modification and refurbishment of 
power generation facilities involve many risks, including:

• 

• 

• 

• 

• 

• 

inability to obtain sufficient funding on reasonable terms and/or necessary government financial incentives;

delays in obtaining necessary permits and licenses;

inability to sell down interests in a project or develop successful partnering relationships;

environmental remediation of soil or groundwater at contaminated sites;

interruptions to dispatch at the Company's facilities;

supply interruptions;

•  work stoppages;

• 

labor disputes;

•  weather interferences;

• 
• 

• 

• 

unforeseen engineering, environmental and geological problems, including those related to climate change;
unanticipated cost overruns;

exchange rate risks; and

failure of contracting parties to perform under contracts, including EPC contractors.

Any of these risks could cause NRG's financial returns on new investments to be lower than expected or could cause the 
Company to operate below expected capacity or availability levels, which could result in lost revenues, increased expenses, higher 
maintenance costs and penalties. Insurance is maintained to protect against these risks, warranties are generally obtained for limited 
periods relating to the construction of each project and its equipment in varying degrees, and contractors and equipment suppliers 
are obligated to meet certain performance levels. The insurance, warranties or performance guarantees, however, may not be 
adequate to cover increased expenses. As a result, a project may cost more than projected and may be unable to fund principal and 
interest payments under its construction financing obligations, if any. A default under such a financing obligation could result in 
the Company losing its interest in a power generation facility. 

Furthermore, where the Company has partnering relationships with a third party, the Company is subject to the viability and 
performance of the third party.  The Company's inability to find a replacement contracting party, particularly an EPC contractor, 
where the original contracting party has failed to perform, could result in the abandonment of the development and/or construction 
of such project, while the Company could remain obligated on other agreements associated with the project, including PPAs.

If the Company is unable to complete the development or construction of a facility or environmental control, or decides to 
delay, downsize, or cancel such project, it may not be able to recover its investment in that facility or environmental control.  
Furthermore, if construction projects are not completed according to specification, the Company may incur liabilities and suffer 
reduced plant efficiency, higher operating costs and reduced net income.

NRG and its subsidiaries have guaranteed the performance of third parties, which may result in substantial costs in the event 
of non-performance. 

NRG and its subsidiaries have issued certain guarantees of the performance of others, which obligate NRG and its subsidiaries 
to perform in the event that the third parties do not perform. In the event of non-performance by the third parties, NRG could incur 
substantial cost to fulfill their obligations under these guarantees. Such performance guarantees could have a material impact on 
the operating results, financial condition, or cash flows of the Company. 

40

The Company's development programs are subject to financing and public policy risks that could adversely impact NRG's 
financial performance or result in the abandonment of such development projects.

While NRG currently intends to develop and finance its more capital intensive projects on a non-recourse or limited recourse 
basis through separate project financed entities and intends to seek additional investments in most of these projects from third 
parties, NRG anticipates that it will need to make significant equity investments in these projects. NRG may also decide to develop 
and finance some of the projects, such as smaller gas-fired and renewable projects, using corporate financial resources rather than 
non-recourse debt, which could subject NRG to significant capital expenditure requirements and to risks inherent in the development 
and construction of new generation facilities. In addition to providing some or all of the equity required to develop and build the 
proposed projects, NRG's ability to finance these projects on a non-recourse basis is contingent upon a number of factors, including 
the terms of the EPC contracts, construction costs, PPAs and fuel procurement contracts, capital markets conditions, the availability 
of tax credits and other government incentives for certain new technologies. To the extent NRG is not able to obtain non-recourse 
financing for any project or should credit rating agencies attribute a material amount of the project finance debt to NRG's credit, 
the financing of the development projects could have a negative impact on the credit ratings of NRG.

NRG may also choose to undertake the repowering, refurbishment or upgrade of current facilities based on the Company's 
assessment that such activity will provide adequate financial returns. Such projects often require several years of development 
and capital expenditures before commencement of commercial operations, and key assumptions underpinning a decision to make 
such an investment may prove incorrect, including assumptions regarding construction costs, timing, available financing and future 
fuel and power prices.

Furthermore, the viability of the Company's renewable development projects are contingent on public policy mechanisms 
including production and investment tax credits, cash grants, loan guarantees, accelerated depreciation tax benefits, renewable 
portfolio standards, or RPS, and carbon-related mandates or controls. These mechanisms have been implemented at the state and 
federal levels to support the development of renewable generation, demand-side and smart grid, and other clean infrastructure 
technologies. The availability and continuation of public policy support mechanisms will drive a significant part of the economics 
and viability of the Company's development program and expansion into clean energy investments.

Supplier and/or customer concentration at certain of NRG's facilities may expose the Company to significant financial credit 
or performance risks.

NRG often relies on a single contracted supplier or a small number of suppliers for the provision of fuel, transportation of 
fuel and other services required for the operation of certain of its facilities. If these suppliers cannot perform, the Company utilizes 
the marketplace to provide these services. There can be no assurance that the marketplace can provide these services as, when and 
where required or at comparable prices.

At times, NRG relies on a single customer or a few customers to purchase all or a significant portion of a facility's output, 
in some cases under long-term agreements that account for a substantial percentage of the anticipated revenue from a given facility. 
The Company has also hedged a portion of its exposure to power price fluctuations through forward fixed price power sales and 
natural gas price swap agreements. Counterparties to these agreements may breach or may be unable to perform their obligations. 
NRG may not be able to enter into replacement agreements on terms as favorable as its existing agreements, or at all. If the 
Company was unable to enter into replacement PPAs, the Company would sell its plants' power at market prices. If the Company 
is unable to enter into replacement fuel or fuel transportation purchase agreements, NRG would seek to purchase the Company's 
fuel requirements at market prices, exposing the Company to market price volatility and the risk that fuel and transportation may 
not be available during certain periods at any price.

The failure of any supplier or customer to fulfill its contractual obligations to NRG could have a material adverse effect on 
the Company's financial results. Consequently, the financial performance of the Company's facilities is dependent on the credit 
quality of, and continued performance by, suppliers and customers.

The Company's retail businesses may lose a significant number of retail customers due to competitive marketing activity by 
other retail electricity providers which could adversely affect the financial performance of the Company's retail businesses. 

The Company's retail businesses face competition for customers.  Competitors may offer lower prices and other incentives, 
which may attract customers away from NRG's retail businesses.  In some retail electricity markets, the principal competitor may 
be the incumbent utility.  The incumbent utility has the advantage of long-standing relationships with its customers, including 
well-known brand recognition.  Furthermore, NRG's retail businesses may face competition from a number of other energy service 
providers, other energy industry participants, or nationally branded providers of consumer products and services who may develop 
businesses that will compete with NRG and its retail businesses. 

41

NRG relies on power transmission facilities that it does not own or control and that are subject to transmission constraints 
within a number of the Company's core regions. If these facilities fail to provide NRG with adequate transmission capacity, 
the Company may be restricted in its ability to deliver wholesale electric power to its customers and the Company may either 
incur additional costs or forego revenues. Conversely, improvements to certain transmission systems could also reduce revenues.

NRG depends on transmission facilities owned and operated by others to deliver the wholesale power it sells from the 
Company's power generation plants to its customers. If transmission is disrupted, or if the transmission capacity infrastructure is 
inadequate,  NRG's  ability  to  sell  and  deliver  wholesale  power  may  be  adversely  impacted.  If  a  region's  power  transmission 
infrastructure is inadequate, the Company's recovery of wholesale costs and profits may be limited. If restrictive transmission 
price regulation is imposed, the transmission companies may not have sufficient incentive to invest in expansion of transmission 
infrastructure.  The  Company  also  cannot  predict  whether  transmission  facilities  will  be  expanded  in  specific  markets  to 
accommodate competitive access to those markets.

In addition, in certain of the markets in which NRG operates, energy transmission congestion may occur and the Company 
may be deemed responsible for congestion costs if it schedules delivery of power between congestion zones during times when 
congestion occurs between the zones. If NRG were liable for such congestion costs, the Company's financial results could be 
adversely affected.

The Company has a significant amount of generation located in load pockets, making that generation valuable, particularly 
with respect to maintaining the reliability of the transmission grid. Expansion of transmission systems to reduce or eliminate these 
load pockets could negatively impact the value or profitability of the Company's existing facilities in these areas.

The Company’s use and enjoyment of real property rights for its projects may be adversely affected by the rights of lienholders
and leaseholders that are superior to those of the grantors of those real property rights to the Company.

Solar and wind projects generally are, and are likely to be, located on land occupied by the project pursuant to long-term 
easements and leases. The ownership interests in the land subject to these easements and leases may be subject to mortgages 
securing loans or other liens (such as tax liens) and other easement and lease rights of third parties (such as leases of oil or mineral 
rights) that were created prior to the project’s easements and leases. As a result, the project’s rights under these easements or leases 
may be subject, and subordinate, to the rights of those third parties. The Company performs title searches and obtains title insurance 
to protect itself against these risks. Such measures may, however, be inadequate to protect the Company against all risk of loss of 
its rights to use the land on which the wind projects are located, which could have a material adverse effect on the Company’s 
business, financial condition and results of operations.

One of the Company's subsidiaries is a publicly traded corporation, NRG Yield, Inc., which may involve a greater exposure 
to legal liability than the Company's historic business operations. 

One of the Company's subsidiaries is NRG Yield, Inc., a publicly traded corporation. NRG's controlling voting interest in 
NRG Yield, Inc. and the position of certain of its executive officers that are serving the Board of Directors of NRG Yield, Inc. or 
as executive officers may increase the possibility of claims of breach of fiduciary duties including claims of conflicts of interest 
related to NRG Yield, Inc. Any liability resulting from such claims could have a material adverse effect on NRG's future business, 
financial condition, results of operations and cash flows. 

Because NRG owns less than a majority of the ownership interests of some of its project investments, the Company cannot 
exercise complete control over their operations.

NRG has limited control over the operation of some project investments and joint ventures because the Company's investments 
are in projects where it beneficially owns less than a majority of the ownership interests. NRG seeks to exert a degree of influence 
with respect to the management and operation of projects in which it owns less than a majority of the ownership interests by 
negotiating to obtain positions on management committees or to receive certain limited governance rights, such as rights to veto 
significant actions. However, the Company may not always succeed in such negotiations. NRG may be dependent on its co-
venturers to operate such projects. The Company's co-venturers may not have the level of experience, technical expertise, human 
resources management and other attributes necessary to operate these projects optimally. The approval of co-venturers also may 
be required for NRG to receive distributions of funds from projects or to transfer the Company's interest in projects.

42

 
NRG may be unable to integrate the operations of acquired entities in the manner expected.

NRG enters into acquisitions that result in various benefits, including, among other things, cost savings and operating 
efficiencies. Achieving the anticipated benefits of these acquisitions depends on whether the businesses can be integrated into 
NRG in an efficient and effective manner. The integration process could take longer than anticipated and could result in the loss 
of  valuable  employees,  the  disruption  of  NRG's  businesses,  processes  and  systems  or  inconsistencies  in  standards,  controls, 
procedures, practices, policies and compensation arrangements, any of which could adversely affect the Company's ability to 
achieve the anticipated benefits of the acquisitions. NRG may have difficulty addressing possible differences in corporate cultures 
and management philosophies. Failure to achieve these anticipated benefits could result in increased costs or decreases in the 
amount of expected revenues and could adversely affect NRG's future business, financial condition, operating results and prospects.

Future acquisition activities may have materially adverse effects.

NRG may seek to acquire additional companies or assets in the Company's industry or which complement the Company's 
industry. The acquisition of companies and assets is subject to substantial risks, including the failure to identify material problems 
during due diligence, the risk of over-paying for assets, the ability to retain customers and the inability to arrange financing for 
an acquisition as may be required or desired. Further, the integration and consolidation of acquisitions requires substantial human, 
financial and other resources and, ultimately, the Company's acquisitions may not be successfully integrated. There can be no 
assurances  that  any  future  acquisitions  will  perform  as  expected  or  that  the  returns  from  such  acquisitions  will  support  the 
indebtedness incurred to acquire them or the capital expenditures needed to develop them.

NRG's business, financial condition and results of operations could be adversely impacted by strikes or work stoppages by its 
unionized employees or inability to replace employees as they retire.

As of December 31, 2015, approximately 27% of NRG's employees at its U.S. generation plants were covered by collective 
bargaining agreements. In the event that the Company's union employees strike, participate in a work stoppage or slowdown or 
engage in other forms of labor strife or disruption, NRG would be responsible for procuring replacement labor or the Company 
could experience reduced power generation or outages. Although NRG's ability to procure such labor is uncertain, contingency 
staffing planning is completed as part of each respective contract negotiations.  Strikes, work stoppages or the inability to negotiate 
future  collective  bargaining  agreements  on  favorable  terms  could  have  a  material  adverse  effect  on  the  Company's  business, 
financial condition, results of operations and cash flows. In addition, a number of the Company's employees at NRG's plants are 
close to retirement. The Company's inability to replace retiring workers could create potential knowledge and expertise gaps as
such workers retire.

Changes in technology may impair the value of NRG's power plants.

Research and development activities are ongoing to provide alternative and more efficient technologies to produce power, 
including "clean" coal and coal gasification, wind, photovoltaic (solar) cells, energy storage, and improvements in traditional 
technologies and equipment, such as more efficient gas turbines. Advances in these or other technologies could reduce the costs 
of power production to a level below what the Company has currently forecasted, which could adversely affect its cash flows, 
results of operations or competitive position.

Risks that are beyond NRG's control, including but not limited to acts of terrorism or related acts of war, natural disaster, 
hostile cyber intrusions or other catastrophic events could  have a material adverse effect on NRG's financial condition, results 
of operations and cash flows. 

NRG's generation facilities and the facilities of third parties on which they rely may be targets of terrorist activities, as well 
as events occurring in response to or in connection with them, that could cause environmental repercussions and/or result in full 
or partial disruption of the facilities ability to generate, transmit, transport or distribute electricity or natural gas. Strategic targets, 
such as energy-related facilities, may be at greater risk of future terrorist activities than other domestic targets. Hostile cyber 
intrusions, including those targeting information systems as well as electronic control systems used at the generating plants and 
for  the  distribution  systems,  could  severely  disrupt  business  operations  and  result  in  loss  of  service  to  customers,  as  well  as
significant expense to repair security breaches or system damage. Any such environmental repercussions or disruption could result 
in a significant decrease in revenues or significant reconstruction or remediation costs, beyond what could be recovered through 
insurance policies which could have a material adverse effect on the Company's financial condition, results of operations and cash 
flows. In addition, significant weather events or terrorist actions could damage or shut down the power transmission and distribution 
facilities upon which the Company's retail businesses are dependent. Power supply may be sold at a loss if these events cause a 
significant loss of retail customer load.

43

 
The operation of NRG’s businesses is subject to cyber-based security and integrity risk. 

Numerous functions affecting the efficient operation of NRG’s businesses are dependent on the secure and reliable storage, 
processing and communication of electronic data and the use of sophisticated computer hardware and software systems. The 
operation of NRG’s generation plants, including STP, and of NRG's energy and fuel trading businesses are reliant on cyber-based
technologies and, therefore, subject to the risk that such systems could be the target of disruptive actions, particularly through 
cyber-attack  or  cyber  intrusion,  including  by  computer  hackers,  foreign  governments  and  cyber  terrorists,  or  otherwise  be 
compromised  by  unintentional  events. As  a  result,  operations  could  be  interrupted,  property  could  be  damaged  and  sensitive 
customer information could be lost or stolen, causing NRG to incur significant losses of revenues, other substantial liabilities and 
damages,  costs  to  replace  or  repair  damaged  equipment  and  damage  to  NRG's  reputation.  In  addition,  NRG  may  experience 
increased capital and operating costs to implement increased security for its cyber systems and plants. 

The Company's retail businesses are subject to the risk that sensitive customer data may be compromised, which could result 
in an adverse impact to its reputation and/or the results of operations of the Company's retail businesses.

The Company's retail businesses require access to sensitive customer data in the ordinary course of business.  Examples of 
sensitive customer data are names, addresses, account information, historical electricity usage, expected patterns of use, payment 
history, credit bureau data, credit and debit card account numbers, drivers license numbers, social security numbers and bank 
account information.  NRG's retail businesses may need to provide sensitive customer data to vendors and service providers who 
require access to this information in order to provide services, such as call center operations, to NRG's retail businesses.  If a 
significant breach occurred, the reputation of NRG and its retail businesses may be adversely affected, customer confidence may
be diminished, or NRG and its retail businesses may be subject to legal claims, any of which may contribute to the loss of customers 
and have a negative impact on the business and/or results of operations. 

Risks Related to Governmental Regulation and Laws

NRG's business is subject to substantial governmental regulation and may be adversely affected by legislative or regulatory 
changes, as well as liability under, or any future inability to comply with, existing or future regulations or requirements.

NRG's business is subject to extensive U.S. federal, state and local laws and foreign laws. Compliance with the requirements 
under these legal and regulatory regimes may cause the Company to incur significant additional costs, and failure to comply with 
such requirements could result in the shutdown of a non-complying facility, the imposition of liens, fines, and/or civil or criminal 
liability.

Public utilities under the FPA are required to obtain FERC acceptance of their rate schedules for wholesale sales of electricity. 
Except for ERCOT generating facilities and power marketers, all of NRG's non-qualifying facility generating companies and 
power marketing affiliates in the U.S. make sales of electricity in interstate commerce and are public utilities for purposes of the 
FPA. FERC has granted each of NRG's generating and power marketing companies that make sales of electricity outside of ERCOT 
the authority to sell electricity at market-based rates. FERC's orders that grant NRG's generating and power marketing companies 
market-based rate authority reserve the right to revoke or revise that authority if FERC subsequently determines that NRG can 
exercise market power in transmission or generation, create barriers to entry, or engage in abusive affiliate transactions. In addition, 
NRG's market-based sales are subject to certain market behavior rules, and if any of NRG's generating and power marketing 
companies were deemed to have violated those rules, they are subject to potential disgorgement of profits associated with the 
violation and/or suspension or revocation of their market-based rate authority. If NRG's generating and power marketing companies 
were to lose their market-based rate authority, such companies would be required to obtain FERC's acceptance of a cost-of-service 
rate schedule and could become subject to the accounting, record-keeping, and reporting requirements that are imposed on utilities 
with cost-based rate schedules. This could have a material adverse effect on the rates NRG charges for power from its facilities.

Substantially all of the Company's generation assets are also subject to the reliability standards promulgated by the designated 
Electric Reliability Organization (currently NERC) and approved by FERC.  If NRG fails to comply with the mandatory reliability 
standards, NRG could be subject to sanctions, including substantial monetary penalties and increased compliance obligations. 
NRG is also affected by legislative and regulatory changes, as well as changes to market design, market rules, tariffs, cost allocations, 
and bidding rules that occur in the existing ISOs. The ISOs that oversee most of the wholesale power markets impose, and in the 
future may continue to impose, mitigation, including price limitations, offer caps, non-performance penalties and other mechanisms 
to address some of the volatility and the potential exercise of market power in these markets. These types of price limitations and 
other regulatory mechanisms may have a material adverse effect on the profitability of NRG's generation facilities that sell energy 
and capacity into the wholesale power markets.

44

 
The regulatory environment has undergone significant changes in the last several years due to state and federal policies 
affecting wholesale and retail competition and the creation of incentives for the addition of large amounts of new renewable 
generation and, in some cases, transmission.  These changes are ongoing, and the Company cannot predict the future design of 
the wholesale power markets or the ultimate effect that the changing regulatory environment will have on NRG's business. In 
addition, in some of these markets, interested parties have proposed material market design changes, including the elimination of 
a single clearing price mechanism, as well as proposals to re-regulate the markets or require divestiture by generating companies 
to reduce their market share.  Other proposals to re-regulate may be made and legislative or other attention to the electric power 
market restructuring process may delay or reverse the deregulation process. If competitive restructuring of the electric power 
markets is reversed, discontinued, or delayed, the Company's business prospects and financial results could be negatively impacted.  
In addition, since 2010, there have been a number of reforms to the regulation of the derivatives markets, both in the United States 
and  internationally.   These  regulations,  and  any  further  changes  thereto,  or  adoption  of  additional  regulations,  including  any 
regulations relating to position limits on futures and other derivatives or margin for derivatives, could negatively impact NRG’s 
ability to hedge its portfolio in an efficient, cost-effective manner by, among other things, potentially decreasing liquidity in the 
forward commodity and derivatives markets or limiting NRG’s ability to utilize non-cash collateral for derivatives transactions.

Government  regulations  providing  incentives  for  renewable  generation  could  change  at  any  time  and  such  changes  may 
adversely impact NRG's business, revenues, margins, results of operations and cash flows.

  The Company's growth strategy depends in part on government policies that support renewable generation and enhance 
the economic viability of owning renewable electric generation assets.  Renewable generation assets currently benefit from various 
federal, state and local governmental incentives such as ITCs, PTCs, cash grants in lieu of ITCs, loan guarantees, RPS programs, 
modified accelerated cost-recovery system of depreciation and bonus depreciation. For example, in December 2015, the U.S. 
Congress enacted an extension of the 30% solar ITC so that projects which begin construction in 2016 through 2019 will continue 
to qualify for the 30% ITC.  Projects beginning construction in 2020 and 2021 will be eligible for the ITC at the rates of 26% and 
22%, respectively.  The same legislation also extended the 10-year wind PTC for wind projects which begin construction in 2016 
through 2019.  Wind projects which begin construction in the years 2017, 2018 and 2019 are eligible for PTCs at 80%, 60% and 
40% of the statutory rate per kWh, respectively. 

  Many states have adopted RPS programs mandating that a specified percentage of electricity sales come from eligible 
sources of renewable energy.  However, the regulations that govern the RPS programs, including pricing incentives for renewable 
energy, or reasonableness guidelines for pricing that increase valuation compared to conventional power (such as a projected value 
for carbon reduction or consideration of avoided integration costs), may change.  If the RPS requirements are reduced or eliminated, 
it could lead to fewer future power contracts or lead to lower prices for the sale of power in future power contracts, which could 
have a material adverse effect on the Company's future growth prospects. 

  Such material adverse effects may result from decreased revenues, reduced economic returns on certain project company 
investments,  increased  financing  costs,  and/or  difficulty  obtaining  financing.  Furthermore,  the ARRA  included  incentives  to 
encourage investment in the renewable energy sector, such as cash grants in lieu of ITCs, bonus depreciation and expansion of 
the U.S. DOE loan guarantee program. It is uncertain what loan guarantees may be made by the U.S. DOE loan guarantee program 
in the future. In addition, the cash grant in lieu of ITCs program only applies to facilities that commenced construction prior to 
December 31, 2011, which commencement date may be determined in accordance with the safe harbor if more than 5% of the 
total cost of the eligible property was paid or incurred by December 31, 2011.

  If the Company is unable to utilize various federal, state and local government incentives to acquire additional renewable 
assets in the future, or the terms of such incentives are revised in a manner that is less favorable to the Company, it may suffer a 
material adverse effect on the business, financial condition, results of operations and cash flows. 

The integration of the Capacity Performance product into the PJM market could lead to substantial changes in capacity income 
and non-performance penalties, which could have a material adverse effect on NRG’s results of operations, financial condition 
and cash flows.

On June 9, 2015, FERC approved changes to PJM’s capacity market. Major elements of the approved changes to the 
Capacity Performance framework include the calculation of the bid cap, elimination of the 2.5% holdback for short lead-time 
resources, and substantial performance penalties on Capacity Performance resources that do not perform in real time during specific 
periods of high demand. The Company’s Capacity Performance resources may not perform as planned, and the Company may 
experience substantial changes in capacity income and non-performance penalties, which could have a material adverse effect on 
NRG’s results of operations, financial condition and cash flows. 

45

Certain of NRG's long-term bilateral contracts result from state-mandated procurements and could be declared invalid by a 
court of competent jurisdiction.

A significant portion of NRG’s revenues are derived from long-term bilateral contracts with utilities that are regulated 
by their respective states, and have been entered into pursuant to certain state programs.  Certain long-term contracts that other 
companies have with state-regulated utilities have been challenged in federal court and have been declared unconstitutional on 
the grounds that the rate for energy and capacity established by the contracts impermissibly conflicts with the rate for energy and 
capacity established by FERC pursuant to the FPA. To date, federal district courts in New Jersey and Maryland have struck down 
contracts on similar grounds, and the U.S. Courts of Appeals for the Third and Fourth Circuits, respectively, have affirmed the 
lower court decisions.  On October 19, 2015, the U.S. Supreme Court granted certiorari in the Fourth Circuit case, and the Court 
heard oral argument on February 24, 2016.  The outcome of this litigation could affect future capacity prices in PJM, as well as 
the legal status of the Company’s bilateral contracts with state-regulated utilities.  If certain of the Company's state-mandated 
agreements with utilities are held to be invalid, the Company may be unable to replace such contracts, which could have a material 
adverse effect on the Company's business, financial condition, results of operations and cash flows.

NRG's  ownership  interest  in  a  nuclear  power  facility  subjects  the  Company  to  regulations,  costs  and  liabilities  uniquely 
associated with these types of facilities.

Under the Atomic Energy Act of 1954, as amended, or AEA, ownership and operation of STP, of which NRG indirectly 
owns a 44% interest, is subject to regulation by the NRC.  Such regulation includes licensing, inspection, enforcement, testing, 
evaluation  and  modification  of  all  aspects  of  nuclear  reactor  power  plant  design  and  operation,  environmental  and  safety 
performance,  technical  and  financial  qualifications,  decommissioning  funding  assurance  and  transfer  and  foreign  ownership 
restrictions.   The current facility operating licenses for STP expire on August 20, 2027 (Unit 1) and December 15, 2028 (Unit 2).  
STP has applied for the renewal of such licenses for a period of 20 years beyond the expirations of the current licenses.  The NRC 
may decline to issue such renewals or may modify or otherwise condition such license renewals in a manner that results in substantial 
increased capital or operating costs, or that otherwise results in a material adverse effect on STP’s economics and NRG’s results 
of operations, financial condition or cash flows. 

There are unique risks to owning and operating a nuclear power facility.  These include liabilities related to the handling, 
treatment, storage, disposal, transport, release and use of radioactive materials, particularly with respect to spent nuclear fuel, and 
uncertainties  regarding  the  ultimate,  and  potential  exposure  to,  technical  and  financial  risks  associated  with  modifying  or 
decommissioning a nuclear facility.  The NRC could require the shutdown of the plant for safety reasons or refuse to permit restart 
of the unit after unplanned or planned outages.  New or amended NRC safety and regulatory requirements may give rise to additional 
operation and maintenance costs and capital expenditures.  The on-going industry response to the accident at Fukushima is an 
example of an external event with the potential for requiring significant increases in capital expenditures in order to comply with 
the yet-to-be-determined consequences of, and regulatory response to, an adverse event, such as mitigating steps that might be 
required after the seismic re-analysis in progress at all nuclear generating facilities. Additionally, aging equipment may require 
more capital expenditures to keep each of these nuclear power plants operating efficiently.  This equipment is also likely to require 
periodic upgrading and improvement.  Any unexpected failure, including failure associated with breakdowns, forced outages, or 
any unanticipated capital expenditures, could result in reduced profitability.  STP will be obligated to continue storing spent nuclear 
fuel if the U.S. DOE continues to fail to meet its contractual obligations to STP made pursuant to the U.S. Nuclear Waste Policy 
Act of 1982 to accept and dispose of STP's spent nuclear fuel.  See also Item 1 — Regulatory Matters — Nuclear Operations -
 Decommissioning Trusts and Item 1 — Environmental Matters — Federal Environmental Initiatives — Nuclear Waste for further 
discussion.  Costs associated with these risks could be substantial and could have a material adverse effect on NRG's results of 
operations, financial condition or cash flow to the extent not covered by the Decommissioning Trusts or recovered from ratepayers.  
In addition, to the extent that all or a part of STP is required by the NRC to permanently or temporarily shut down or modify its 
operations, or is otherwise subject to a forced outage, NRG may incur additional costs to the extent it is obligated to provide power 
from  more  expensive  alternative  sources — either  NRG's  own  plants,  third  party  generators  or  the  ERCOT — to  cover  the 
Company's then existing forward sale obligations.  Such shutdown or modification could also lead to substantial costs related to 
the storage and disposal of radioactive materials and spent nuclear fuel.

While STP maintains property and liability insurance for losses related to nuclear operations, there may be limitations on 
the amounts and types of insurance commercially available.  See also Item 15 — Note 22, Commitments and Contingencies, 
Nuclear Insurance.  An accident at STP or another nuclear facility could have a material adverse effect on NRG's financial condition, 
its operational results, or liquidity as losses may exceed the insurance coverage available and/or may result in the obligation to 
pay retrospective premium obligations.  

46

 
 
 
NRG is subject to environmental laws that impose extensive and increasingly stringent requirements on the Company's ongoing 
operations,  as  well  as  potentially  substantial  liabilities  arising  out  of  environmental  contamination.  These  environmental 
requirements and liabilities could adversely impact NRG's results of operations, financial condition and cash flows. 

NRG is subject to the environmental laws of foreign and U.S., federal, state and local authorities.  The Company must comply 
with numerous environmental laws and obtain numerous governmental permits and approvals to build and operate the Company's 
plants.  Should NRG fail to comply with any environmental requirements that apply to its operations, the Company could be 
subject to administrative, civil and/or criminal liability and fines, and regulatory agencies could take other actions seeking to curtail 
the Company's operations.  In addition, when new requirements take effect or when existing environmental requirements are 
revised, reinterpreted or subject to changing enforcement policies, NRG's business, results of operations, financial condition and 
cash flows could be adversely affected.

Environmental laws generally have become more stringent, and the Company expects this trend to continue. 

NRG's businesses are subject to physical, market and economic risks relating to potential effects of climate change. 

Climate change may produce changes in weather or other environmental conditions, including temperature or precipitation 
levels, and thus may impact consumer demand for electricity. In addition, the potential physical effects of climate change, such 
as increased frequency and severity of storms, floods and other climatic events, could disrupt NRG's operations and cause it to 
incur significant costs in preparing for or responding to these effects. These or other meteorological changes could lead to increased 
operating  costs,  capital  expenses  or  power  purchase  costs.  Climate  change  could  also  affect  the  availability  of  a  secure  and 
economical supply of water in some locations, which is essential for the continued operation of NRG's generation plants. 

GHG regulation could increase the cost of electricity, particularly power generated by fossil fuels, and such increases could 
have a depressive effect on regional economies. Reduced economic and consumer activity in NRG's service areas — both generally 
and specific to certain industries and consumers accustomed to previously lower cost power — could reduce demand for the power 
NRG generates and markets. Also, demand for NRG's energy-related services could be similarly reduced by consumers’ preferences 
or market factors favoring energy efficiency, low-carbon power sources or reduced electricity usage. 

Policies at the national, regional and state levels to regulate GHG emissions, as well as climate change, could adversely impact 
NRG's results of operations, financial condition and cash flows.

NRG's GHG emissions for 2015 can be found in Item 1, Business — Environmental Matters.  On October 23, 2015, the EPA 
promulgated the final GHG emissions rules for new and existing fossil-fuel-fired electric generating units.  The impact of these 
newly promulgated rules and further legislation or regulation of GHGs on the Company's financial performance will depend on 
a number of factors, including future legal challenges to promulgated regulations, the level of GHG standards, the extent to which 
mitigation is required, the availability of offsets, and the extent to which NRG will be entitled to receive CO2 emissions credits 
without having to purchase them in an auction or on the open market.

The Company operates generating units in Connecticut, Delaware, Maryland, Massachusetts, and New York that are subject 
to RGGI, which is a regional cap and trade system. In 2013, each of these states finalized a rule that reduced and will continue to 
reduce the number of allowances, which the Company believes will increase the price of each allowance.  The nine RGGI states 
are re-evaluating the program and may alter the rules to further reduce the number of allowances. The 2013 rules and/or revisions 
being currently contemplated could adversely impact NRG's results of operations, financial condition and cash flows. 

California has a CO2 cap and trade program for electric generating units greater than 25 MW. The impact on the Company 

depends on the cost of the allowances and the ability to pass these costs through to customers.  

On October 26, 2015, the EPA promulgated a rule that reduces the ozone NAAQS to 0.070 ppm. This more stringent NAAQS 
will obligate the states to develop plans to reduce NOx (an ozone precursor), which could affect some of the Company's units.  
EPA guidance for these plans is expected in late 2016.

Hazards customary to the power production industry include the potential for unusual weather conditions, which could affect 
fuel pricing and availability, the Company's route to market or access to customers, i.e., transmission and distribution lines, or 
critical plant assets. To the extent that climate change contributes to the frequency or intensity of weather-related events, NRG's 
operations and planning process could be affected.

47

NRG's retail businesses are subject to changing state rules and regulations that could have a material impact on the profitability 
of its business lines.

The  competitiveness  of  NRG's  retail  businesses  is  partially  dependent  on  state  regulatory  policies  that  establish  the 
structure, rules, terms and conditions on which services are offered to retail customers.  These state policies, which can include 
controls on the retail rates NRG's retail businesses can charge, the imposition of additional costs on sales, restrictions on the 
Company's ability to obtain new customers through various marketing channels and disclosure requirements, which can affect the 
competitiveness of NRG's retail businesses.  Additionally, state or federal imposition of net metering or RPS programs can make 
it more or less expensive for retail customers to supplement or replace their reliance on grid power, such as with rooftop solar or 
other NRG retail offerings.  NRG's retail businesses have limited ability to influence development of these policies, and its business 
model may be more or less effective, depending on changes to the regulatory environment.   

The Company's international operations are exposed to political and economic risks, commercial instability and events 
beyond the Company's control in the countries in which it operates, which risks may negatively impact the Company's 
business.

The Company's international operations are dependent upon products manufactured, purchased and sold in the U.S. and 
internationally, including in countries with political and economic instability.  In some cases, these countries have greater political 
and  economic  volatility  and  greater  vulnerability  to  infrastructure  and  labor  disruptions  than  in  NRG's  other  markets.    The 
Company's business could be negatively impacted by adverse fluctuations in freight costs, limitations on shipping and receiving 
capacity, and other disruptions in the transportation and shipping infrastructure at important geographic points of exit and entry 
for the Company's products. Operating and seeking to expand business in a number of different regions and countries exposes the
Company to a number of risks, including:

•  multiple and potentially conflicting laws, regulations and policies that are subject to change;

• 

• 

• 

• 

imposition of currency restrictions on repatriation of earnings or other restraints;

imposition of burdensome tariffs or quotas;

national and international conflict, including terrorist acts; and

political and economic instability or civil unrest that may severely disrupt economic activity in affected countries.

The occurrence of one or more of these events may negatively impact the Company's business, results of operations and 

financial condition.

The Company may potentially be affected by emerging technologies that may over time affect change in capacity markets and 
the energy industry overall with the inclusion of distributed generation and clean technology.  

Some technologies like, distributed renewable energy technologies, broad consumer adoption of electric vehicles and energy 
storage  devices  could  affect  the  price  of  energy.    These  distributed  technologies  may  affect  the  financial  viability  of  utility 
counterparties and could have significant impacts on wholesale market prices.

48

 
Risks Related to Economic and Financial Market Conditions

NRG's level of indebtedness could adversely affect its ability to raise additional capital to fund its operations or return capital 
to stockholders. It could also expose it to the risk of increased interest rates and limit its ability to react to changes in the 
economy or its industry.

NRG's substantial debt could have negative consequences, including:

increasing NRG's vulnerability to general economic and industry conditions;

requiring a substantial portion of NRG's cash flow from operations to be dedicated to the payment of principal and interest 
on its indebtedness, therefore reducing NRG's ability to pay dividends to holders of its preferred or common stock or to 
use its cash flow to fund its operations, capital expenditures and future business opportunities;

limiting NRG's ability to enter into long-term power sales or fuel purchases which require credit support;

exposing NRG to the risk of increased interest rates because certain of its borrowings, including borrowings under its 
senior secured credit facility are at variable rates of interest;

limiting NRG's ability to obtain additional financing for working capital including collateral postings, capital expenditures, 
debt service requirements, acquisitions and general corporate or other purposes; and

limiting NRG's ability to adjust to changing market conditions and placing it at a competitive disadvantage compared to 
its competitors who have less debt.

• 

• 

• 

• 

• 

• 

The indentures for NRG's notes and senior secured credit facility contain financial and other restrictive covenants that may 
limit the Company's ability to return capital to stockholders or otherwise engage in activities that may be in its long-term best 
interests.  Furthermore, financial and other restrictive covenants contained in any project level subsidiary debt may limit the ability 
of NRG to receive distributions from such subsidiary. NRG's failure to comply with those covenants could result in an event of 
default which, if not cured or waived, could result in the acceleration of all of the Company's indebtedness.

In addition, NRG's  ability to arrange financing, either  at the  corporate  level, a non-recourse project-level subsidiary or 

otherwise, and the costs of such capital, are dependent on numerous factors, including:

• 

• 

• 

general economic and capital market conditions;

credit availability from banks and other financial institutions;

investor confidence in NRG, its partners and the regional wholesale power markets;

•  NRG's financial performance and the financial performance of its subsidiaries;

•  NRG's level of indebtedness and compliance with covenants in debt agreements;

•  maintenance of acceptable credit ratings;

• 

• 

cash flow; and

provisions of tax and securities laws that may impact raising capital.

NRG may not be successful in obtaining additional capital for these or other reasons. The failure to obtain additional capital 

from time to time may have a material adverse effect on its business and operations.

49

Adverse economic conditions could adversely affect NRG’s business, financial condition, results of operations and cash flows.

Adverse economic conditions and declines in wholesale energy prices, partially resulting from adverse economic conditions, 
may impact NRG’s earnings. The breadth and depth of negative economic conditions may have a wide-ranging impact on the U.S. 
business environment, including NRG’s businesses. In addition, adverse economic conditions also reduce the demand for energy 
commodities. Reduced demand from negative economic conditions continues to impact the key domestic wholesale energy markets 
NRG serves. The combination of lower demand for power and increased supply of natural gas has put downward price pressure 
on wholesale energy markets in general, further impacting NRG’s energy marketing results. In general, economic and commodity 
market conditions will continue to impact NRG’s unhedged future energy margins, liquidity, earnings growth and overall financial 
condition. In addition, adverse economic conditions, declines in wholesale energy prices, reduced demand for power and other 
factors may negatively impact the trading price of NRG’s common stock and impact forecasted cash flows, which may require 
NRG to evaluate its goodwill and other long-lived assets for impairment. Any such impairment could have a material impact on 
NRG’s financial statements. 

Goodwill and/or other intangible assets not subject to amortization that NRG has recorded in connection with its acquisitions 
are subject to mandatory annual impairment evaluations and as a result, the Company could be required to write off some or 
all of this goodwill and other intangible assets, which may adversely affect the Company's financial condition and results of 
operations.

In accordance with ASC 350, Intangibles — Goodwill and Other, or ASC 350, goodwill is not amortized but is reviewed 
annually or more frequently for impairment and other intangibles are also reviewed at least annually or more frequently, if certain 
conditions exist, and may be amortized. Any reduction in or impairment of the value of goodwill or other intangible assets will 
result in a charge against earnings which could materially adversely affect NRG's reported results of operations and financial 
position in future periods.

A valuation allowance may be required for NRG's deferred tax assets.

A valuation allowance may need to be recorded against net deferred tax assets that the Company estimates as more likely 
than not to be unrealizable, based on available evidence including cumulative and forecasted pretax book earnings at the time the 
estimate is made.  A valuation allowance related to deferred tax assets can be affected by changes to tax laws, statutory tax rates 
and future taxable income levels. In the event that the Company determines that it would not be able to realize all or a portion of 
its net deferred tax assets in the future, the Company would reduce such amounts accordingly through a charge to income tax 
expense in the period in which that determination was made, which could have a material adverse impact on the Company's 
financial condition and results of operations.

The Company has made investments, and may continue to make investments, in new business initiatives predominantly focused 
on consumer products and in markets that may not be successful, may not achieve the intended financial results or may result 
in product liability and reputational risk that could adversely affect the Company.

NRG continues to pursue growth in its existing businesses and markets and further diversification across the competitive 
energy value chain. NRG is continuing to pursue investment opportunities in renewables, consumer products and distributed 
generation.  Such initiatives may involve significant risks and uncertainties, including distraction of management from current 
operations, inadequate return on capital, and unidentified issues not discovered in the diligence performed prior to launching an 
initiative or entering a market.  

As part of these initiatives, the Company may be liable to customers for any damage caused to customers’ homes, facilities, 
belongings or property during the installation of Company products and systems, such as residential solar systems and mass market 
back-up generators. In addition, shortages of skilled labor for Company projects could significantly delay a project or otherwise 
increase its costs.  The products that the Company sells or manufactures may expose the Company to product liability claims 
relating to personal injury, death, or environmental or property damage, and may require product recalls or other actions. Although 
the Company maintains liability insurance, the Company cannot be certain that its coverage will be adequate for liabilities actually 
incurred or that insurance will continue to be available to the Company on economically reasonable terms, or at all.  Further, any 
product liability claim or damage caused by the Company could significantly impair the Company’s brand and reputation, which 
may result in a failure to maintain customers and achieve the Company’s desired growth initiatives in these new businesses. 

50

CAUTIONARY STATEMENT REGARDING FORWARD-LOOKING INFORMATION

This Annual Report on Form 10-K of NRG Energy, Inc., or NRG or the Company, includes forward-looking statements 
within the meaning of Section 27A of the Securities Act of 1933, as amended, or Securities Act, and Section 21E of the Securities 
Exchange Act of 1934, as amended, or Exchange Act.  The words "believes," "projects," "anticipates," "plans," "expects," "intends," 
"estimates" and similar expressions are intended to identify forward-looking statements.  These forward-looking statements involve 
known and unknown risks, uncertainties and other factors that may cause NRG's actual results, performance and achievements, 
or industry results, to be materially different from any future results, performance or achievements expressed or implied by such 
forward-looking statements.  These factors, risks and uncertainties include the factors described under Item 1A — Risk Factors 
Related to NRG Energy, Inc. and the following:

•  General economic conditions, changes in the wholesale power markets and fluctuations in the cost of fuel;
•  Volatile power supply costs and demand for power;
•  Hazards customary to the power production industry and power generation operations such as fuel and electricity price 
volatility, unusual weather conditions, catastrophic weather-related or other damage to facilities, unscheduled generation 
outages, maintenance or repairs, unanticipated changes to fuel supply costs or availability due to higher demand, shortages, 
transportation problems or other developments, environmental incidents, or electric transmission or gas pipeline system 
constraints and the possibility that NRG may not have adequate insurance to cover losses as a result of such hazards;
•  The effectiveness of NRG's risk management policies and procedures, and the ability of NRG's counterparties to satisfy 

their financial commitments;

•  Counterparties' collateral demands and other factors affecting NRG's liquidity position and financial condition;
•  NRG's ability to operate its businesses efficiently, manage capital expenditures and costs tightly, and generate earnings 

and cash flows from its asset-based businesses in relation to its debt and other obligations;

•  NRG's ability to enter into contracts to sell power and procure fuel on acceptable terms and prices;
•  The liquidity and competitiveness of wholesale markets for energy commodities;
•  Government regulation, including compliance with regulatory requirements and changes in market rules, rates, tariffs 

• 

and environmental laws and increased regulation of carbon dioxide and other GHG emissions;
Price mitigation strategies and other market structures employed by ISOs or RTOs that result in a failure to adequately 
and fairly compensate NRG's generation units;

•  NRG's ability to mitigate forced outage risk as it becomes subject to capacity performance requirements in PJM and new 

performance incentives in ISO-NE;

•  NRG's ability to borrow funds and access capital markets, as well as NRG's substantial indebtedness and the possibility 

that NRG may incur additional indebtedness going forward;

•  NRG's ability to receive loan guarantees or cash grants to support development projects;
•  Operating and financial restrictions placed on NRG and its subsidiaries that are contained in the indentures governing 
NRG's outstanding notes, in NRG's Senior Credit Facility, and in debt and other agreements of certain of NRG subsidiaries 
and project affiliates generally;

•  NRG's ability to develop and build new power generation facilities, including new solar projects;
•  NRG's ability to develop and innovate new products as retail and wholesale markets continue to change and evolve; 
•  NRG's ability to implement its strategy of finding ways to meet the challenges of climate change, clean air and protecting 

natural resources while taking advantage of business opportunities;

•  NRG's ability to achieve its strategy of regularly returning capital to stockholders;
•  NRG's ability to obtain and maintain retail market share;
•  NRG's ability to successfully evaluate investments and achieve intended financial results in new business and growth 

initiatives;

•  NRG's ability to engage in successful mergers and acquisitions activity;
•  NRG's ability to successfully integrate, realize cost savings and manage any acquired businesses; and
•  NRG's ability to develop and maintain successful partnering relationships.

Forward-looking statements speak only as of the date they were made, and NRG Energy, Inc. undertakes no obligation to 
publicly update or revise any forward-looking statements, whether as a result of new information, future events or otherwise.  The 
foregoing review of factors that could cause NRG's actual results to differ materially from those contemplated in any forward-
looking statements included in this Annual Report on Form 10-K should not be construed as exhaustive.

Item 1B — Unresolved Staff Comments

None.

51

Item 2 — Properties 

Listed below are descriptions of NRG's interests in facilities, operations and/or projects owned or leased as of December 31, 
2015.  The MW figures provided represent nominal summer net MW capacity of power generated as adjusted for the Company's 
owned  or  leased  interest  excluding  capacity  from  inactive/mothballed  units  as  of  December 31,  2015.    The  following  table 
summarizes NRG's power production and cogeneration facilities by region:

Name and Location of Facility
NRG Business:

Gulf Coast Region
Bayou Cove, Jennings, LA
Big Cajun I, Jarreau, LA
Big Cajun II, New Roads, LA
Big Cajun II, New Roads, LA
Big Cajun II, New Roads, LA
Cedar Bayou, Baytown, TX
Cedar Bayou 4, Baytown, TX
Choctaw, French Camp, MS
Cottonwood, Deweyville, TX
Greens Bayou, Houston, TX
Gregory, Corpus Christi, TX
Limestone, Jewett, TX
San Jacinto, LaPorte, TX
South Texas Project, Bay City, TX (f)
Sterlington, LA
T. H. Wharton, Houston, TX
W. A. Parish, Thompsons, TX
W. A. Parish, Thompsons, TX(g) 

East Region

Arthur Kill, Staten Island, NY
Astoria Gas Turbines, Queens, NY
Astoria Oil Turbines, Queens, NY
Aurora, IL
Avon Lake, OH
Avon Lake, OH
Blossburg, PA
Bowline, West Haverstraw, NY
Brunot Island, Pittsburgh, PA
Brunot Island, Pittsburgh, PA
Canal, Sandwich, MA
Chalk Point, Aquasco, MD (h)
Chalk Point, Aquasco, MD
Chalk Point, Aquasco, MD
Cheswick, Springdale, PA
Conemaugh, New Florence, PA
Conemaugh, New Florence, PA
Connecticut Jet Power, CT (four sites)
Devon, Milford, CT
Dickerson, MD (h)

Power Market

%         
Owned(a)(b)(c)

Net
Generation
Capacity 
(MW) (d)

Primary
Fuel-type

100.0
MISO
100.0
MISO
100.0
MISO
100.0
MISO
58.0
MISO
100.0
ERCOT
50.0
ERCOT
TVA(e)
100.0
100.0
MISO
100.0
ERCOT
100.0
ERCOT
100.0
ERCOT
100.0
ERCOT
44.0
ERCOT
100.0
MISO
100.0
ERCOT
100.0
ERCOT
ERCOT
100.0
Total net Gulf Coast Region

NYISO
NYISO
NYISO
PJM
PJM
PJM
PJM
NYISO
PJM
PJM
ISO-NE
PJM
PJM
PJM
PJM
PJM
PJM
ISO-NE
ISO-NE
PJM

52

100.0
100.0
100.0
100.0
100.0
100.0
100.0
100.0
100.0
100.0
100.0
100.0
100.0
100.0
100.0
20.2 (a)
20.2 (a)
100.0
100.0
100.0 (b)

225 Natural Gas
430 Natural Gas
580 Coal
540 Natural Gas
341 Coal

1,495 Natural Gas
249 Natural Gas
800 Natural Gas
1,263 Natural Gas
715 Natural Gas
388 Natural Gas

1,689 Coal

162 Natural Gas

1,176 Nuclear

176 Natural Gas
1,025 Natural Gas
2,504 Coal
1,183 Natural Gas
14,941

858 Natural Gas
404 Natural Gas
104 Oil
878 Natural Gas
732 Coal
21 Oil
19 Natural Gas
1,147 Natural Gas
244 Natural Gas
15 Oil
1,112 Oil

667 Coal

1,648 Natural Gas

42 Oil
565 Coal
343 Coal
2 Oil
142 Oil
133 Oil
537 Coal

 
 
 
 
 
 
 
 
Dickerson, MD
Dickerson, MD
Fisk, Chicago, IL
Gilbert, Milford, NJ
Hamilton, East Berlin, PA
Hunterstown CCGT, Gettysburg, PA
Hunterstown CTS, Gettysburg, PA
Huntley, Tonawanda, NY(i)
Indian River, Millsboro, DE 
Indian River, Millsboro, DE 
Joliet, IL (j)
Keystone, Shelocta, PA
Keystone, Shelocta, PA
Martha's Vineyard, MA
Middletown, CT
Montville, Uncasville, CT
Morgantown, Newburg, MD
Morgantown, Newburg, MD
Mountain, Mount Holly Springs, PA
New Castle, West Pittsburg, PA
New Castle, West Pittsburg, PA
Niles, OH
Orrtana, PA
Oswego, NY
Portland, Mount Bethel, PA
Powerton, Pekin, IL
Rockford, IL
Sayreville, NJ
Seward, New Florence, PA
Shawnee, East Stroudsburg, PA
Shawville, PA
Shelby County, Neoga, IL
Titus, Birdsboro, PA
Tolna, Stewardstown, PA
Vienna, MD
Warren, PA
Waukegan, IL
Waukegan, IL
Will County, Romeoville, IL

(c)

(a)

(a)

(b)

(b)

PJM
PJM
PJM
PJM
PJM
PJM
PJM
NYISO
PJM
PJM
PJM
PJM
PJM
ISO-NE
ISO-NE
ISO-NE
PJM
PJM
PJM
PJM
PJM
PJM
PJM
NYISO
PJM
PJM
PJM
PJM
PJM
PJM
PJM
MISO
PJM
PJM
PJM
PJM
PJM
PJM
PJM

100.0 (b)
100.0 (b)
100.0
100.0
100.0
100.0
100.0
100.0
100.0
100.0
100.0
20.4
20.4
100.0
100.0
100.0
100.0
100.0
100.0
100.0
100.0
100.0
100.0
100.0
100.0
100.0
100.0
100.0
100.0
100.0
100.0
100.0
100.0
100.0
100.0
100.0
100.0
100.0
100.0
Total net East Region

(b)

(c)

West Region
Ellwood, Goleta, CA
Encina, Carlsbad, CA
Etiwanda, Rancho Cucamonga, CA
Long Beach, CA
Mandalay, Oxnard, CA
Midway-Sunset, Fellows, CA
Ormond Beach, Oxnard, CA
Pittsburg, CA
Saguaro Power Co., Henderson, NV
San Diego Combustion Turbines, CA (three sites) (k)
Sunrise, Fellows, CA
Watson, Carson, CA

CAISO
CAISO
CAISO
CAISO
CAISO
CAISO
CAISO
CAISO
WECC
CAISO
CAISO
CAISO

100.0
100.0
100.0
100.0
100.0
50.0
100.0
100.0
50.0
100.0
100.0
49.0
Total net West Region

Total net NRG Business

53

294 Natural Gas
18 Oil
172 Oil
438 Natural Gas
20 Oil
810 Natural Gas
60 Natural Gas
380 Coal
410 Coal
16 Oil
1,326 Coal
346 Coal
2 Oil
14 Oil
770 Oil
494 Oil
1,229 Coal
248 Oil
40 Oil
325 Coal
3 Oil
25 Oil
20 Oil
1,628 Oil
169 Oil
1,538 Coal

450 Natural Gas
217 Natural Gas
525 Coal
20 Oil
6 Oil

352 Natural Gas

31 Oil
39 Oil
167 Oil
57 Natural Gas
689 Coal
108 Oil
510 Coal

23,579

54 Natural Gas
965 Natural Gas
640 Natural Gas
260 Natural Gas
560 Natural Gas
113 Natural Gas
1,516 Natural Gas
1,029 Natural Gas
46 Natural Gas
112 Natural Gas
586 Natural Gas
204 Natural Gas

6,085

44,605

CAISO/WECC
MISO
MISO

51.0
99.0
31.0

NRG Renew:
Agua Caliente, Dateland, AZ
Bingham Lake, MN
Broken Bow, NE
California Valley Solar Ranch, San Luis Obispo
County, CA
Cedro Hill, Bruni, TX
Community Solar, San Diego State Univ., Brawley, CA

CAISO/WECC
ERCOT
CAISO
MISO
MISO
MISO
AZNMSNV/WECC
MISO
ERCOT
MISO
PJM
SERC
ERCOT

Community Wind North, Lake Benton, MN
Crofton Bluffs, NE
Crosswinds, Aryshire, IA
Distributed Solar
Eastridge, Lake Wilson, MN
Elbow Creek Wind Farm, Howard County, TX
Elkhorn Ridge, Bloomfield, NE
Forward, Berlin, PA
Georgia Solar Holdings, GA
Goat Mountain, Sterling City, TX
Guam, Inarajan, Guam
Hardin, Jefferson, IA
High Lonesome, Willard, NM
Ivanpah, Ivanpah Dry Lake, CA
Jeffers, MN
Langford Wind Farm, Christoval, TX
Lookout, Berlin, PA
Mountain Wind I, Fort Bridger, WY
Mountain Wind II, Fort Bridger, WY
Odin, MN
San Juan Mesa, Elida, NM
Sherbino Wind Farm, Pecos County, TX
Sleeping Bear, Woodward, OK
Spanish Fork, UT
Spanish Town, St. Croix, U.S. Virgin Islands
Westridge, Pipestone, MN
Wildorado, Vega, TX

51.1
31.0
100.0
99.0
31.0
24.8
100.0
100.0
25.0
16.8
25.0
20.1
25.0
100.0
24.8
100.0
50.1
99.9
100.0
25.0
31.0
31.0
25.0
18.8
50.0
25.0
25.0
100.0
96.9
25.0
Total NRG Renew
NRG Renew capacity attributable to noncontrolling interest
Total net NRG Renew

MISO
MISO
CAISO
MISO
ERCOT
PJM
WECC
WECC
MISO
MISO
ERCOT
SPP
WECC

MISO
ERCOT

NRG Home Solar:
Residential Solar

NRG Yield:
Alpine, Lancaster, CA
Alta Wind, Tehachapi, CA
Avenal, CA
Avra Valley, Pima County, AZ
Blythe, CA
Borrego, Borrego Springs, CA
Buffalo Bear, Buffalo, OK
California Valley Solar Ranch, San Luis Obispo
County, CA

100.0
Total net NRG Home Solar

CAISO
CAISO
CAISO
CAISO
CAISO
CAISO
SPP

CAISO/WECC

54

100.0
100.0
50.0
100.0
100.0
100.0
100.0

49.0

290 Solar
15 Wind
80 Wind

128 Solar
150 Wind
6 Solar
30 Wind
42 Wind
5 Wind
60 Solar
10 Wind
30 Wind
13 Wind
7 Wind
1 Solar
37 Wind
26 Solar
4 Wind
100 Wind
390 Solar
50 Wind
150 Wind
9 Wind
61 Wind
80 Wind
5 Wind
22 Wind
75 Wind
24 Wind
5 Wind
4 Wind
17 Wind
40 Wind

1,966
(638)
1,328

93 Solar
93

66 Solar
947 Wind
23 Solar
26 Solar
21 Solar
26 Solar
19 Wind

122 Solar

Crosswinds, Aryshire, IA

MISO

74.3

Desert Sunlight, Riverside, CA

Distributed Solar, AZ
Distributed Solar, CA
Dover Cogeneration, DE
Elbow Creek, Howard County, TX
Elkhorn Ridge, Bloomfield, NE
El Segundo Energy Center, CA
Forward, Berlin, PA
GenConn Devon, Milford, CT
GenConn Middletown, CT
Goat Wind, Sterling City, TX
Hardin, Jefferson, IA
High Desert, Lancaster, CA
Kansas South, Lemoore, CA
Laredo Ridge, Petersburg, NE
Lookout, Berlin, PA
Marsh Landing, Antioch, CA
Odin, MN
Paxton Creek Cogeneration, Harrisburg, PA
Pinnacle, Keyser, WV
Princeton Hospital, NJ (l)
Roadrunner, Santa Teresa, NM
San Juan Mesa, Elida, NM
Sleeping Bear, Woodward, OK
South Trent Wind Farm, Sweetwater, TX
Spanish Fork, UT
Spring Canyon II and III
Taloga, Putnam, OK
Tucson Convention Center, Tucson, AZ
University of Bridgeport, CT
Walnut Creek, City of Industry, CA
Wildorado, Vega, TX

25.0
100.0
51.0
100.0
75.0
50.3
100.0
75.0
50.0
50.0
74.9
74.3
100.0
100.0
100.0
75.0
100.0
74.9
100.0
100.0
100.0
100.0
56.3
75.0
100.0
75.0
90.1
100.0
100.0
100.0
100.0
74.9
Total NRG Yield
NRG Yield capacity attributable to noncontrolling interest
Total net NRG Yield

CAISO
AZNMSNV
WECC
PJM
ERCOT
MISO
CAISO
PJM
ISO-NE
ISO-NE
ERCOT
MISO
WECC
WECC
MISO
PJM
CAISO
MISO
PJM
PJM
PJM
WECC
MISO
SPP
ERCOT
WECC
WECC
SPP
WECC
ISO-NE
CAISO
ERCOT

16 Wind

138 Solar
5 Solar
4 Solar

104 Natural Gas

92 Wind
41 Wind
550 Natural Gas

22 Wind
95 Dual-fuel
95 Dual-fuel
113 Wind
11 Wind
20 Solar
20 Solar
80 Wind
29 Wind
720 Natural Gas

15 Wind
12 Natural Gas
55 Wind
5 Natural Gas
20 Solar
68 Wind
71 Wind
101 Wind
14 Wind
60 Wind
130 Wind

2 Natural Gas
1 Natural Gas
485 Natural Gas
121 Wind

4,565
(2,053)
2,512

International Conventional Generation:
Gladstone Power Station, Queensland, Australia

Doga, Istanbul, Turkey

Enertrade/Boyne
Smelter
Turkey

37.5
80.0
Total net Other

605 Coal
144 Natural Gas
749

Total generation capacity
Total capacity attributable to noncontrolling interest
Total net generation capacity

51,978
(2,691)
49,287

(a)  NRG has 16.5% and 16.7% leased interests in the Conemaugh and Keystone facilities, respectively, as well as 3.7% ownership interests in each facility.   

NRG operates the Conemaugh and Keystone facilities.

(b)  NRG leases 100% interests in the Dickerson and Morgantown coal generation units through facility lease agreements expiring in 2029 and 2034, respectively. 
NRG owns 312 MW and 248 MW of peaking capacity at the Dickerson and Morgantown generating facilities, respectively.  NRG also leases a 100% interest 
in Shawville through a facility lease agreement expiring in 2026.  NRG operates the Dickerson, Morgantown and Shawville facilities.

(c)  NRG leases 100% interests in the Powerton facility and Units 7 and 8 of the Joliet facility through facility lease agreements expiring in 2034 and 2030, 

respectively.  NRG owns 100% interest in Joliet Unit 6.  NRG operates the Powerton and Joliet facilities.

(d)  Actual capacity can vary depending on factors including weather conditions, operational conditions, and other factors. Additionally, ERCOT requires periodic 

demonstration of capability, and the capacity may vary individually and in the aggregate from time to time.

55

(e)  Dual interconnect between TVA and MISO.
(f)  Generation capacity figure consists of the Company's 44% interest in the two units at STP.
(g)  W.A. Parish Unit Petra Nova GT2 (75 MW of the 1,220 MW at W.A. Parish Natural Gas) is currently mothballed for purposes of construction in connection 

with the Petra Nova project with an expected return to service in the third quarter of 2016.

(h)  On February 29, 2016, NRG notified PJM that it was withdrawing the standing deactivation notices for Chalk Point Units 1 and 2 and Dickerson Units 1, 2 

and 3.  

(i)  NRG plans to retire the units on March 1, 2016.
(j)  NRG intends to add natural gas burning capability to Units 6, 7 and 8 of the Joliet coal facility by the summer of 2016. 
(k)  NRG operates these units, located on property owned by SDG&E, under a license agreement which is set to end on December 31, 2016.
(l)  The output of Princeton Hospital is primarily dedicated to serving the hospital.  Excess power is sold to the local utility under its state-jurisdictional tariff.  

Thermal Facilities

The Company's thermal businesses in Pittsburgh, Harrisburg and San Francisco are regulated by their respective state's Public 
Utility Commission. The other thermal businesses are subject to contract terms with their customers.  The Company's thermal 
businesses are owned by NRG Yield LLC.  

The following table summarizes NRG's thermal steam and chilled water facilities as of December 31, 2015:

Name and Location of Facility
NRG Energy Center Minneapolis, MN

NRG Energy Center San Francisco, CA
NRG Energy Center Omaha, NE

NRG Energy Center Harrisburg, PA

NRG Energy Center Phoenix, AZ

NRG Energy Center Pittsburgh, PA

%
Owned

Thermal Energy Purchaser
100.0 Approx. 100 steam and 50 chilled

water customers

Approx 60 steam and 60 chilled
water customers

100.0 Approx 175 steam customers
100.0
12.0(a)                                                                                                                                      
100.0
0%(a)
100.0 Approx 140 steam and 3 chilled

Generating
Capacity
Steam: 1,100 MMBtu/hr.
Chilled water: 38,700 tons

Megawatt
Thermal
Equivalent
Capacity (MWt)
322
136
133 Steam: 454 MMBtu/hr.
Steam: 485 MMBtu/hr
142
Steam: 250 MMBtu/hr
73
Chilled water: 22,000 tons
77
Chilled water:  7,250 tons
26
Steam: 370 MMBtu/hr.
108
Chilled water: 3,600 tons
13
Steam: 13 MMBtu/hr
4
Chilled water: 29,600 tons
104
Chilled water:  3,950 tons
14
Chilled water: 8,000 tons
28
Steam: 302 MMBtu/hr.
88
Chilled water: 12,934 tons
46
31 Chilled water: 7,425 tons
66 Steam: 225 MMBtu/hr.

Steam: 72 MMBtu/hr.
Chilled water: 4,700 tons

21
17
1,449

water customers
Approx 35 chilled water customers

0%(a)
100.0
12.0(a)
0%(a)
100.0 Approx 25 steam and 25 chilled

water customers

NRG Energy Center San Diego, CA

100.0 Approx 15 chilled water customers

NRG Energy Center Dover, DE

100.0 Kraft Foods Inc. and Procter &

Gamble Company

NRG Energy Center Princeton, NJ

100.0 Princeton HealthCare System

Total Generating Capacity (MWt)

(a)  Net MWt capacity excludes 134 MWt available under the right-to-use provisions contained in agreements between two of NRG Yield Inc.'s thermal facilities 

and certain of its customers.

Other Properties

In  addition,  NRG  owns  several  real  properties  and  facilities  relating  to  its  generation  assets,  other  vacant  real  property 
unrelated to the Company's generation assets, interests in construction projects, and properties not used for operational purposes. 
NRG believes it has satisfactory title to its plants and facilities in accordance with standards generally accepted in the electric 
power industry, subject to exceptions that, in the Company's opinion, would not have a material adverse effect on the use or value 
of its portfolio.

NRG leases its financial and commercial corporate headquarters offices at 211 Carnegie Center, Princeton, New Jersey, its 

operational headquarters in Houston, Texas, its retail business offices and call centers, and various other office space.

During  2016,  NRG  expects  to  move  its  211  Carnegie  Center,  Princeton,  New  Jersey  headquarters  to  a  newly  leased 

headquarters at 804 Carnegie Center, Princeton, New Jersey, which is currently under construction.

56

Item 3 — Legal Proceedings

See Item 15 — Note 22, Commitments and Contingencies, to the Consolidated Financial Statements for discussion of the 

material legal proceedings to which NRG is a party.

Item 4 — Mine Safety Disclosures

Not applicable.

57

PART II

Item 5 — Market for Registrant's Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities

Market Information and Holders

NRG's authorized capital stock consists of 500,000,000 shares of NRG common stock and 10,000,000 shares of preferred 
stock.  A total of 22,000,000 shares of the Company's common stock are authorized for issuance under the NRG LTIP.  A total of 
5,558,390 shares of NRG common stock were authorized for issuance under the NRG GenOn LTIP.  For more information about 
the NRG LTIP and the NRG GenOn LTIP, refer to Item 12 — Security Ownership of Certain Beneficial Owners and Management 
and Related Stockholder Matters and Item 15 — Note 20, Stock-Based Compensation, to the Consolidated Financial Statements.  
NRG has also filed with the Secretary of State of Delaware a Certificate of Designation for the 2.822% Convertible Perpetual 
Preferred Stock.

NRG's common stock is listed on the New York Stock Exchange and has been assigned the symbol: NRG.  The high and 
low sales prices, as well as the closing price for the Company's common stock on a per share basis for 2015 and 2014 are set forth 
below:

Common Stock Price
High
Low
Closing
Dividends Per
Common Share

Fourth
Quarter
2015

Third
Quarter
2015

Second
Quarter
2015

First
Quarter
2015

Fourth
Quarter
2014

Third
Quarter
2014

Second
Quarter
2014

First
Quarter
2014

$

$

16.11
8.80
11.77

$

23.22
14.43
14.85

$

26.93
22.83
22.88

$

27.90
22.78
25.19

$

33.92
25.77
26.95

$

37.39
28.97
30.48

$

38.09
31.50
37.20

32.04
26.57
31.80

$

0.145

$

0.145

$

0.145

$

0.145

$

0.140

$

0.140

$

0.140

$

0.120

NRG had 314,190,042 shares outstanding as of December 31, 2015.  As of January 31, 2016, there were 314,890,647 shares 

outstanding, and there were 26,138 common stockholders of record.

Dividends

On January 18, 2016, NRG declared a quarterly dividend on the Company's common stock of $0.145 per share, or $0.58 

per share on an annualized basis, payable on February 16, 2016, to stockholders of record as of February 1, 2016.    

The Company's common stock dividends are subject to available capital, market conditions, and compliance with associated 
laws and regulations. On February 29, 2016, the Company announced a reduction in its common stock dividend to $0.12 per share 
on an annualized basis.

Repurchase of equity securities

The Company's board of directors authorized share repurchases of $481 million of its common stock under the 2015 Capital 

Allocation Program which began in December 2014 and was completed during 2015. 

The following table reflects the repurchases made under the 2015 Capital Allocation Program during the three months ended 

December 31, 2015:

For the Three Months Ended December 31, 2015

Total number
of shares
purchased

Average 
price paid 
per share(a)

Total number of shares
purchased under the 2015
Capital Allocation
Program

Dollar value of shares that 
may be purchased under the 
2015 Capital Allocation 
Program(b)

October 1, 2015 to October 31, 2015

5,558,920

$

15.03

5,558,920

November 1, 2015 to November 30, 2015

December 1, 2015 to December 31, 2015

—

—

—

—

—

—

Total

5,558,920

$

15.03

5,558,920

$

(a) The average price paid per share excludes commissions of $0.015 per share paid in connection with the share repurchases. 

(b) Includes commissions of $0.015 per share paid in connection with the share repurchases.

—

—

—

—

58

Stock Performance Graph 

The performance graph below compares NRG's cumulative total stockholder return on the Company's common stock for 
the  period  December 31,  2010,  through  December 31,  2015,  with  the  cumulative  total  return  of  the  Standard &  Poor's  500 
Composite Stock Price Index, or S&P 500, and the Philadelphia Utility Sector Index, or UTY.  NRG's common stock trades on 
the New York Stock Exchange under the symbol "NRG."

The performance graph shown below is being furnished and compares each period assuming that $100 was invested on 
December 31, 2010, in each of the common stock of NRG, the stocks included in the S&P 500 and the stocks included in the UTY, 
and that all dividends were reinvested. 

Comparison of Cumulative Total Return

NRG Energy, Inc. 
S&P 500
UTY

Dec-2010

Dec-2011

Dec-2012

Dec-2013

Dec-2014

Dec-2015

$

$

100.00
100.00
100.00

92.73
102.11
118.74

$

119.50
118.45
118.13

$

$

151.28
156.82
129.84

$

145.09
178.28
162.86

70.37
180.75
153.85

59

 
Item 6 — Selected Financial Data 

The following table presents NRG's historical selected financial data.  This historical data should be read in conjunction with
the Consolidated Financial Statements and the related notes thereto in Item 15 and Item 7, Management's Discussion and Analysis 
of Financial Condition and Results of Operations.  The Company has completed several acquisitions and dispositions, as described 
in Item 15 — Note 3, Business Acquisitions and Dispositions.

Year Ended December 31,

2015

2014

2013

2012

2011

(In millions except ratios and per share data)

$ 14,674

$ 15,868

$ 11,295

$

8,422

$

9,079

15,655

11,371

8,432

9,070

Statement of income data:
Total operating revenues
Total operating costs and expenses, and other expenses (a)
Impairment losses

Operating (loss)/income

Impairment losses on investments

(Loss)/income from continuing operations, net

Net (loss)/income attributable to NRG Energy, Inc. 
Common share data:
Basic shares outstanding — average

Diluted shares outstanding — average

Shares outstanding — end of year
Per share data:

14,703

5,030

(4,040)

56

(6,436)

$ (6,382)

$

329

329

314

Net (loss)/income attributable to NRG — basic

$ (19.46)

$

Net (loss)/income attributable to NRG — diluted

Dividends declared per common share

Book value
Business metrics:

Cash flow from operations
Liquidity position (b)
Ratio of earnings to fixed charges

Ratio of earnings to fixed charges and preferred dividends

(19.46)

0.58

$ 17.29

$ 1,309
$ 3,305

(3.27)

(3.18)

97

1,271

—

132

134

334

339

337

0.23

0.23

0.54

459

343

99

(352)

(386)

$

$

323

323

324

$ (1.22)

$

(1.22)

0.45

$

$
$

34.67

$ 32.33

1,510
3,940

1.14

1.06

$ 1,270
$ 3,695

0.45

0.45

$

$
$

—

350

2

315

295

232

234

323

1.23

1.22

0.18

31.83

1,149
3,362

0.84

0.83

160

635

495

197

197

240

241

228

0.78

0.78

—

33.71

1,166
2,328

0.77

0.76

$

$

$

$
$

Return on equity

Ratio of debt to total capitalization
Balance sheet data:

Current assets

Current liabilities

Property, plant and equipment, net
Total assets
Long-term debt, including current maturities, and capital 

leases (c) (d)

Total stockholders' equity

(a)  Excludes impairment losses and impairment losses on investments.

(117.45)%

1.15%

(3.69)%

75.95 %

60.41%

57.60 %

2.87%

56.74%

2.57%

52.43%

$ 7,391

$

8,408

$ 7,596

$

7,972

$

7,749

4,375

18,732
32,882

4,859

22,367
40,466

4,204

19,851
33,902

4,670

20,153
34,983

5,861

13,621
26,900

19,636

20,374

16,817

15,883

9,832

$ 5,434

$ 11,676

$ 10,467

$ 10,269

$

7,669

(b)  Liquidity position is determined as disclosed in Item 7, Management's Discussion and Analysis of Financial Condition and Results of Operations, Liquidity 
and Capital Resources, Liquidity Position. It excludes collateral funds deposited by counterparties of $106 million, $72 million, and $271 million as of 
December 31, 2015, 2014, and 2013, respectively, which represents cash held as collateral from hedge counterparties in support of energy risk management 
activities. It is the Company's intention to limit the use of these funds for repayment of the related current liability for collateral received in support of energy 
risk management activities.

(c) 

Includes funded letter of credit in 2011.

(d) 

Includes debt issuance cost in 2015 and 2014.

60

The following table provides the details of NRG's operating revenues:

Energy revenue
Capacity revenue
Retail revenue
Mark-to-market for economic hedging activities
Contract amortization
Other revenues
Eliminations
Total operating revenues

2015

2014

2013

2012

2011

Year Ended December 31,

$

$

6,592
2,178
6,920
(255)
(40)
570
(1,291)
14,674

$

$

7,130
2,109
7,414
541
(13)
611
(1,924)
15,868

(In millions)
5,636
$
1,860
6,293
(542)
(31)
413
(2,334)
11,295

$

$

$

3,738
765
5,900
(418)
(97)
260
(1,726)
8,422

$

$

3,804
750
5,807
325
(159)
342
(1,790)
9,079

Energy revenue consists of revenues received from third parties for sales of electricity in the day-ahead and real-time markets, 
as well as bilateral sales.  It also includes energy sold through long-term PPAs for renewable facilities.  In addition, energy revenue 
includes revenues from the settlement of financial instruments and net realized trading revenues.

Capacity revenue consists of revenues received from a third party at either the market or negotiated contract rates for making 
installed generation capacity available in order to satisfy system integrity and reliability requirements.  Capacity revenue also 
includes revenues from the settlement of financial instruments.  In addition, capacity revenue includes revenues received under 
tolling arrangements, which entitle third parties to dispatch NRG's facilities and assume title to the electrical generation produced 
from that facility.

Retail  revenue,  representing  operating  revenues  of  NRG's  retail  businesses,  consists  of  revenues  from  retail  sales  to 
residential, small business, commercial, industrial and governmental/institutional customers, revenues from the sale of excess 
supply into various markets, primarily in Texas, as well as product sales.

Mark-to-market for economic hedging activities includes asset-backed hedges that have not been designated as cash flow 

hedges and ineffectiveness on cash flow hedges.

Contract amortization revenue consists of the amortization of the intangible assets for net in-market C&I contracts established 
in  connection  with  the  acquisitions  of  Reliant  Energy  and  Green  Mountain  Energy,  as  well  as  acquired  power  contracts,  gas 
derivative instruments, and certain power sales agreements assumed at Fresh Start and Texas Genco purchase accounting dates 
related to the sale of electric capacity and energy in future periods.  These amounts are amortized into revenue over the term of 
the underlying contracts based on actual generation or contracted volumes.  

Other revenues include revenues generated by the Thermal Business consisting of revenues received from the sale of steam, 
hot and chilled water generally produced at a central district energy plant and sold to commercial, governmental and residential 
buildings for space heating, domestic hot water heating and air conditioning.  It also includes the sale of high-pressure steam 
produced  and  delivered  to  industrial  customers  that  is  used  as  part  of  an  industrial  process.    Other  revenues  also  consists  of 
operations and maintenance fees, or O&M fees, construction management services, or CMA fees, sale of natural gas and emission 
allowances, and revenues from ancillary services. O&M fees consist of revenues received from providing certain unconsolidated 
affiliates with services under long-term operating agreements.  CMA fees are earned where NRG provides certain management 
and oversight of construction projects pursuant to negotiated agreements such as for the GenConn, Cedar Bayou 4 and certain 
solar construction projects.  Ancillary services are comprised of the sale of energy-related products associated with the generation 
of electrical energy such as spinning reserves, reactive power and other similar products.  Other revenues also includes unrealized 
trading activities. 

61

 
Item 7 — Management's Discussion and Analysis of Financial Condition and Results of Operations

The discussion and analysis below has been organized as follows:

•  Executive Summary, including the business environment in which NRG operates, how regulation, weather, competition 
and other factors affect the business, and significant events that are important to understanding the results of operations 
and financial condition for the 2015 period;

•  Results of operations, including an explanation of significant differences between the periods in the specific line items 

of NRG's Consolidated Statements of Operations;

• 

Financial  condition  addressing  credit  ratings,  liquidity  position,  sources  and  uses  of  cash,  capital  resources  and 
requirements, commitments, and off-balance sheet arrangements; and

•  Critical accounting policies which are most important to both the portrayal of the Company's financial condition and 

results of operations, and which require management's most difficult, subjective or complex judgment.

As you read this discussion and analysis, refer to NRG's Consolidated Statements of Operations to this Form 10-K, which 
presents the results of the Company's operations for the years ended December 31, 2015, 2014, and 2013, and also refer to Item 1 
to this Form 10-K for more detailed discussion about the Company's business.

Executive Summary

NRG Energy, Inc., or NRG or the Company, is an integrated competitive power company, which produces, sells and delivers 
energy and energy products and services in major competitive power markets in the U.S. while positioning itself as a leader in the 
way residential, industrial and commercial consumers think about and use energy products and services. NRG has one of the 
nation's largest and most diverse competitive generation portfolios balanced with the nation's largest competitive retail energy 
business. The Company owns and operates approximately 50,000 MW of generation; engages in the trading of wholesale energy, 
capacity and related products; transacts in and trades fuel and transportation services; and directly sells energy, services, and 
innovative, sustainable products and services to retail customers under the names “NRG”, "Reliant" and other retail brand names 
owned by NRG. 

Business Environment

The industry dynamics and external influences affecting the Company and its businesses, and the power generation and 

retail energy industry in general in 2015 and for the future medium term include:

Capacity Markets — Capacity markets are a major source of revenue for the Company.  Centralized capacity markets exist 
in ISO-NE, MISO, NYISO and PJM. Bilateral markets exist in CAISO and MISO.  These auctions are either an annual market 
held three years ahead of the delivery period as in the case of PJM and ISO-NE, or six months to one month ahead as in the case
of NYISO.  Many variables affect the prices derived in these auctions.  These variables include the load forecast, the target reserve 
margin, rules surrounding demand response, capacity performance penalties, capacity imports and exports from the region, new 
generation  entrants,  slope  of  the  demand  curve,  generation  retirements,  the  cost  of  retrofitting  old  generation  to  meet  new 
environmental rules, expected profitability of the plant itself in the energy market and various other auction rules.  In theory, a 
high capacity price should be an indication that the ISO doesn't have sufficient generation capacity against its needed reserve 
margin and new construction should enter the market.  Similarly, a low capacity price suggests the market is over-built and units 
should retire.  The Company has seen many swings in the pricing for capacity markets and the rules in many of the markets are 
undergoing significant changes, as discussed in this Management's Discussion and Analysis of Financial Condition and Results 
of Operations.  In addition, PJM integrated a new capacity performance construct into the market in 2015, as described in Item 1 
— Business, Regulatory Matters.

Commodities Markets — The price of natural gas plays an important role in setting the price of electricity in many of the 
regions where NRG operates power plants.  Natural gas prices are driven by variables including demand from the industrial, 
residential, and electric sectors, productivity across natural gas supply basins, costs of natural gas production, changes in pipeline 
infrastructure, and the financial and hedging profile of natural gas consumers and producers.  In 2015, average natural gas prices 
at Henry Hub were 40% lower than 2014.

62

If long-term gas prices further decrease or remain depressed, the Company is likely to encounter lower realized energy prices, 
leading to lower energy revenues as higher priced hedge contracts mature and are replaced by contracts with lower gas and power 
prices.  NRG's retail gross margins have historically improved as natural gas prices decline and are likely to partially offset the 
impact of declining gas prices on conventional wholesale power generation.  To further mitigate this impact, NRG may increase 
its percentage of coal and nuclear capacity sold forward using a variety of hedging instruments, as described under the heading 
"Energy-Related  Commodities"  in  Item  15  —  Note  5,  Accounting  for  Derivative  Instruments  and  Hedging Activities,  to  the 
Consolidated Financial Statements.  The Company also mitigates declines in long-term gas prices through its increased investment 
in renewable power generation supported by PPAs.

Natural gas prices are a primary driver of coal demand.  The low priced commodity environment has stressed coal equities, 
leading coal suppliers to file for bankruptcy protection, launch debt exchanges, rationalize assets, and cut production.  If multiple 
parties withdraw from the market, liquidity could be challenged in the short term.  Inventory overhang will be utilized to offset 
production losses.  Coal prices are typically affected by the price of natural gas.  

 Electricity Prices — The price of electricity is a key determinant of the profitability of the Company.  Many variables such 
as the price of different fuels, weather, load growth and unit availability all coalesce to impact the final price for electricity and 
the Company's profitability.  In 2015, electricity prices in the Company's core markets were lower than 2014 primarily due to 
lower natural gas prices.  In 2014, electricity prices in the Company's core markets were generally higher than 2013 primarily due 
to higher natural gas prices.  The following table summarizes average on-peak power prices for each of the major markets in which 
NRG operates for the years ended December 31, 2015, 2014, and 2013:

Region
Gulf Coast (b)

ERCOT - Houston
ERCOT - North
MISO - Louisiana Hub (c)

East
    NY J/NYC
    NY A/West NY
    NEPOOL
    PEPCO (PJM)
    PJM West Hub
West

CAISO - NP15
CAISO - SP15

Average on Peak Power Price ($/MWh)(a)
2013
2014
2015

$

$

28.15
27.61
34.55

46.42
42.07
48.25
46.48
41.97

35.50
32.45

$

43.73
43.34
48.72

71.72
58.16
75.28
70.69
61.15

49.27
48.39

36.40
34.63
37.05

62.94
46.57
64.02
47.14
43.89

41.63
45.99

(a) Average on-peak power prices based on real time settlement prices as published by the respective ISOs.
(b) Gulf Coast region also transacts in PJM - West Hub.
(c) Gulf Coast region, south central market 2013 price data is "into Entergy". MISO-Louisiana Hub began trading December 2013.

Environmental  Regulatory  Landscape — The  MATS  rule,  finalized  in  2012,  is  the  primary  regulatory  force  behind  the 
decision to retrofit, repower or retire uncontrolled coal fired power plants.  Companies are nearly done with their plans to comply 
as many units received a one-year extension until April 2016. In June 2015, the U.S. Supreme Court held that the EPA unreasonably 
refused to consider costs when it determined to regulate HAPs emitted by electric generating units. The U.S. Supreme Court did 
not vacate the MATS rule but rather remanded it to the D.C. Circuit for further proceedings.  A number of regulations on GHGs, 
ambient air quality, coal combustion byproducts and water use with the potential for increased capital costs or operational impacts 
have been finalized and are under review by the courts. The design, timing and stringency of these regulations and the legal 
outcomes will affect the framework for the retrofit or retirement of existing fossil plants and deployment of new, cleaner technologies 
in the next decade. See Item 1— Business, Environmental Matters, for further discussion.

Public Policy Support and Government Financial Incentives for Clean Infrastructure Development — Policy mechanisms 
including production and investment tax credits, cash grants, loan guarantees, accelerated depreciation tax benefits, RPS, and 
carbon trading plans have been implemented at the state and federal levels to support the development of renewable generation, 
demand-side and smart grid, and other clean infrastructure technologies.  The availability and continuation of public policy support 
mechanisms will drive a significant part of the economics of the Company's development program.  In December 2015, the U.S. 
Congress enacted an extension of the 30% solar ITC so that projects which begin construction in 2016 through 2019 will continue 
to qualify for the 30% ITC.  Projects beginning construction in 2020 and 2021 will be eligible for the ITC at the rates of 26% and 
22% respectively.  The same legislation also extended the 10 year wind PTC for wind projects which begin construction in years 
2016 through 2019.  Wind projects which begin construction in the years 2017, 2018 and 2019 are eligible for PTC at 80%, 60% 
and 40% of the statutory rate per kilowatt hour respectively. 

63

 
Weather — Weather conditions in the regions of the U.S. in which NRG does business influence the Company's financial 
results.  Weather conditions can affect the supply and demand for electricity and fuels.  Weather may also impact the availability 
of the Company's generating assets.  Changes in energy supply and demand may impact the price of these energy commodities in 
both the spot and forward markets, which may affect the Company's results in any given period. Typically, demand for and the 
price of electricity is higher in the summer and the winter seasons, when temperatures are more extreme. The demand for and 
price of natural gas is also generally higher in the winter.  However, all regions of the U.S. typically do not experience extreme 
weather conditions at the same time, thus NRG is typically not exposed to the effects of extreme weather in all parts of its business 
at once.

Wind  and  Solar  Resource  Availability  —  Wind  and  solar  resource  availability  can  affect  the  Company's  results.    The 
Company's results were impacted by lower than normal wind resource availability in 2015. While the Company's wind facilities 
were available, adverse weather had a negative impact on wind resources. The Company cannot predict wind and solar resource 
availability and their related impacts on future results. 

Capital Market  Conditions  —  The  Company  and  its  peer  group,  along  with  the  broader  energy  sector,  have  recently 
experienced volatile conditions in the capital markets, including debt and equity markets, due to continued depressed commodity 
markets. These conditions, if they persist, may make it difficult for the Company, including GenOn and NRG Yield, Inc., to satisfy 
debt obligations which mature over the next few years at a reasonable cost. Further, NRG Yield, Inc.’s growth strategy depends 
on its ability to identify and acquire additional conventional and renewable facilities from the Company and unaffiliated third 
parties.  A prolonged disruption in the equity capital market conditions could make it difficult for NRG Yield, Inc. to obtain the 
necessary financing to successfully acquire projects, which could impact a source of the Company’s liquidity.

Other Factors — A number of other factors significantly influence the level and volatility of prices for energy commodities 

and related derivative products for NRG's business.  These factors include:

• 

• 

• 

• 

• 

• 

• 

seasonal, daily and hourly changes in demand;

extreme peak demands;

available supply resources;

transportation and transmission availability and reliability within and between regions;

location of NRG's generating facilities relative to the location of its load-serving opportunities;

procedures used to maintain the integrity of the physical electricity system during extreme conditions; and

changes in the nature and extent of federal and state regulations.

These factors can affect energy commodity and derivative prices in different ways and to different degrees.  These effects 

may vary throughout the country as a result of regional differences in:

•  weather conditions;

•  market liquidity;

• 

• 
• 

capability and reliability of the physical electricity and gas systems;

local transportation systems; and
the nature and extent of electricity deregulation.

Environmental Matters, Regulatory Matters and Legal Proceedings — Details of environmental matters are presented in 
Item 15 — Note  24,  Environmental  Matters,  to  the  Consolidated  Financial  Statements  and  Item 1—  Business, Environmental 
Matters,  section.  Details  of  regulatory  matters  are  presented  in  Item 15 — Note  23,  Regulatory  Matters,  to  the  Consolidated 
Financial  Statements  and  Item 1—  Business, Regulatory  Matters,  section.    Details  of  legal  proceedings  are  presented  in 
Item 15 — Note 22, Commitments and Contingencies, to the Consolidated Financial Statements.  Some of this information relates 
to costs that may be material to the Company's financial results.

Impact of inflation on NRG's results — For the years ended December 31, 2015, 2014 and 2013, the impact of inflation 

and changing prices (due to changes in exchange rates) on NRG's revenues and net income was immaterial.

64

Significant events during the year ended December 31, 2015

• 

Impairment losses — During  2015, the Company recognized impairment losses related to certain of its long-lived assets 
and goodwill for certain reporting units, as discussed in more detail in Item 15 — Note 10, Asset Impairments, and Note 
11, Goodwill and Other Intangibles, to the Consolidated Financial Statements.

•  NRG Yield, Inc. equity and debt offerings — During the second quarter of 2015, NRG Yield, Inc. completed its public 
offering of 28,198,000 shares of Class C common stock for net proceeds of $599 million. In addition, NRG Yield, Inc. 
issued $287.5 million aggregate principal amount of 3.25% Convertible Notes due 2020. 

•  Debt Repurchases — During the fourth quarter of 2015, the Company repurchased $520 million in aggregate principal  
of outstanding Senior Notes in the open market for $467 million, including accrued interest, as discussed in more detail 
in Item 15 - Note 12, Debt and Capital Leases, to the Consolidated Financial Statements.

• 

• 

Share Repurchases — During 2015, under the 2015 Capital Allocation Program, the Company paid $437 million for the 
repurchase of 24,189,495 shares of common stock.

Transfers of Assets under Common Control — On January 2, 2015, the Company sold the following facilities to NRG 
Yield, Inc.: Walnut Creek, the Tapestry projects (Buffalo Bear, Pinnacle and Taloga) and Laredo Ridge.  NRG Yield, Inc. 
paid total cash consideration of $489 million, including $9 million of working capital adjustments, plus assumed project 
level debt of $737 million.

On November 3, 2015, the Company sold 75% of the Class B interests of NRG Wind TE Holdco, which owns a portfolio 
of 12 wind facilities totaling 814 net MW, to NRG Yield, Inc.  NRG Yield Inc. paid total cash consideration of $209 
million, subject to working capital adjustments.  In February 2016, the Company made a final working capital payment 
of $2 million to NRG Yield, Inc., reducing total cash consideration to $207 million.  NRG Yield, Inc. will be responsible 
for its pro-rata share of non-recourse project debt of $193 million and noncontrolling interest associated with a tax equity 
structure of $159 million (as of the acquisition date). 

Significant events during the year ended December 31, 2014 

•  EME acquisition — On April 1, 2014, NRG completed the acquisition of EME as discussed in more detail in Item 15 —

Note 3, Business Acquisitions and Dispositions.

•  Alta Wind acquisition — On August 12, 2014, NRG Yield, Inc. completed the acquisition of Alta Wind as discussed in 

more detail in Item 15 — Note 3, Business Acquisitions and Dispositions.

• 

• 

Long-term debt — During 2014, the Company increased its recourse debt by approximately $0.8 billion and increased 
its non-recourse debt by approximately $2.8 billion primarily in connection with the acquisitions of EME and Alta Wind 
as well as the issuance of NRG Yield, Inc. corporate debt. 

Impairment losses — During  2014, the Company recognized impairment losses on its Coolwater and Osceola facilities 
and certain solar panels, as discussed in more detail in Item 15 — Note 10, Asset Impairments. 

•  NRG Yield, Inc. public offering — During the third quarter of 2014, NRG Yield, Inc. completed its second public offering 

of its Class A common shares for net proceeds of $630 million. 

Subsequent Events 

• 

Sherwin  Bankruptcy  —  The  Company's  Gregory  cogeneration  plant  provides  steam,  processed  water  and  a  small 
percentage of its electrical generation to the Corpus Christi Sherwin Alumina plant.   On January 11, 2016, Sherwin 
Alumina Company, or Sherwin, filed a voluntary petition with the United States Bankruptcy Court for the Southern 
District of Texas for relief under Title 11 of the United States Code. Sherwin has agreed to pay all owed pre-petition 
amounts and, post-petition, Sherwin is performing pursuant to bankruptcy court authorization while it decides whether 
to reject the agreement Sherwin has with the Company's subsidiary that owns and operates the Company's Gregory 
cogeneration plant.  Sherwin is seeking contractual concessions and could pursue a conversion to a Title 7 proceeding. 

•  Canal 3 Development Project — In February 2016, the Company's Canal 3 development project, a 333 MW gas turbine 
peaker which is scheduled to go online in 2019 on Cape Cod, cleared the ISO-NE tenth forward capacity auction at a 
price of $7.03/Kw-month.

65

Consolidated Results of Operations

2015 compared to 2014

The following table provides selected financial information for the Company:

Year Ended December 31,
2014(a)

2015

Change %

$

5,494
2,164
6,913
(244)
(40)
387
14,674

7,838
128
11
2,313
465
10,755
1,566
5,030
1,220
10
154
18,735
21
(4,040)

36
(56)
33
(14)
75
(1,128)
(1,054)
(5,094)
1,342
(6,436)

(54)
(6,382) $

5,422
2,087
7,376
501
(13)
495
15,868

8,623
488
31
2,230
422
11,794
1,523
97
1,027
84
91
14,616
19
1,271

38
—
22
18
(95)
(1,119)
(1,136)
135
3
132

(2)
134

1 %
4
(6)
149
(208)
(22)
(8)

(9)
74
(65)
4
10
(9)
3
N/M
19
(88)
69
28
11
(418)

(5)
N/A
50
(178)
(179)
1
(7)
N/M
N/M
N/M

N/M
N/M

2.66

$

4.41

(40)%

$

$

$

(In millions except otherwise noted)
Operating Revenues
Energy revenue (b)
Capacity revenue (b)
Retail revenue
Mark-to-market for economic hedging activities
Contract amortization
Other revenues (c)

Total operating revenues

Operating Costs and Expenses

Cost of sales (b)
Mark-to-market for economic hedging activities
Contract and emissions credit amortization (d)
Operations and maintenance
Other cost of operations

Total cost of operations

Depreciation and amortization
Impairment losses
Selling, general and administrative expense
Acquisition-related transaction and integration costs
Development costs

Total operating costs and expenses

Gain on post retirement benefits curtailment and sale of assets

Operating (Loss)/Income
Other Income/(Expense)

Equity in earnings of unconsolidated affiliates
Impairment losses on investments
Other income, net
(Loss)/gain on sale of equity-method investment
Net gain/(loss) on debt extinguishment
Interest expense

Total other expense
(Loss)/Income before income taxes

Income tax expense

Net (Loss)/Income

Less: Net loss attributable to noncontrolling interests and redeemable
noncontrolling interests
Net (loss)/income attributable to NRG Energy, Inc. 

Business Metrics
Average natural gas price — Henry Hub ($/MMBtu)

Includes the results of EME from April 1, 2014 to December 31, 2014.
Includes realized gains and losses from financially settled transactions.
Includes unrealized trading gains and losses.  

(a) 
(b) 
(c) 
(d)   Includes amortization of SO2 and NOx credits and excludes amortization of RGGI credits.

N/A- Not Applicable
N/M- Not Meaningful

66

 
Management’s discussion of the results of operations for the years ended December 31, 2015, and 2014 

(Loss)/income before income tax expense — The pre-tax loss of $5,094 million for the year ended December 31, 2015, 

compared to pre-tax income of $135 million for the year ended December 31, 2014, primarily reflects:

• 

• 

• 

an increase of $4,989 million in impairment losses; 

a current year decrease from net mark-to-market results for economic hedges activity of $385 million; 

an increase of $448 million in other operating costs comprised primarily of depreciation and amortization, selling 
and marketing expense, general and administrative expense, acquisition-related transaction and integration costs 
and development costs; 

partially offset by:

• 

an increase in economic gross margin of $455 million comprised of an increase in NRG Home Retail economic 
gross margin of $219 million, an increase in NRG Yield economic gross margin of $170 million, an increase in 
NRG Renew economic gross margin of $58 million, an increase in NRG Home Solar economic gross margin 
of $6 million, and an increase in NRG Business economic gross margin of $2 million;  

• 

a decrease of $138 million in other expenses primarily relating to the gain on debt extinguishment.

Net (loss)/income — The decrease in net income of $6,568 million primarily reflects the drivers discussed above, including 
income tax expense for the year ended December 31, 2015, of $1,342 million, compared to income tax expense of $3 million for 
the year ended December 31, 2014, which reflects the valuation allowance recorded during the fourth quarter of 2015. 

67

 
Economic gross margin

The Company evaluates its operating performance using the measure of economic gross margin, which is not a GAAP 
measure and may not be comparable to other companies’ presentations or deemed more useful than the GAAP information provided 
elsewhere in this report.  The Company believes that economic gross margin is useful to investors as it is a key operational measure 
reviewed by the Company's chief operating decision maker.  Economic gross margin is defined as the sum of energy revenue, 
capacity revenue, retail revenue and other revenue, less cost of sales.  

Economic gross margin excludes the following elements from gross margin: mark-to-market gains or losses on economic 

hedging activities, contract amortization and emission credit amortization.

The following tables present the composition of economic gross margin, business metrics and weather metrics for the 

years ended December 31, 2015, and 2014:

NRG Business

NRG Home

Year ended December 31, 2015

Gulf
Coast

East West

B2B

Elim-
inations

Subtotal Retail

Solar

NRG
Renew

NRG
Yield

$ 2,548

$ 2,926

$ 269

$ — $

— $ 5,743

$ — $ — $

444

$

(In millions except otherwise

noted)

Energy revenue

Capacity revenue

Retail revenue

Other revenue

291

1,345

195

6

—

70

—

68

— 1,499

11

475

208

1,713

—

Operating revenue

2,909

4,339

Cost of fuel

(1,214)

(1,446)

(159)

Other costs of sales

(237)

(493)

(33)

(1,468)

—

—

(59)

(59)

—

—

1,837

1,499

298

—

5,389

—

9,377

5,389

(2,819)

(8)

—

32

—

32

—

(2,231)

(3,883)

(17)

—

—

34

478

(4)

(3)

Elim-
inations/
Corporate

Total

$

(1,098) $ 5,494

(14)

(7)

(124)

2,164

6,913

387

(1,243)

14,958

62

1,136

(2,812)

(5,026)

405

341

—

179

925

(43)

(28)

Economic gross margin

$ 1,458

$ 2,400

$ 283

$ 245

$

(59) $ 4,327

$ 1,498

$ 15

$

471

$

854

$

(45) $ 7,120

Business Metrics

MWh sold (thousands)(a)(b)

61,599

46,917

6,317

MWh generated (thousands)(c)

57,679

46,289

4,542

Electricity sales volume (GWh)

Average customer count (thousands,

metered locations)

19,342

82

(a) MWh sold excludes generation at facilities that generate revenue under capacity agreements. 
(b) Does not include MWh of 297 thousand or MWt of 1,946 thousand for thermal sold by NRG Yield.
(c) Does not include MWh of 205 thousand or MWt of  1,946 thousand for thermal generation by NRG Yield.

4,408

4,461

5,740

8,227

(In millions except otherwise

noted)

Energy revenue

Capacity revenue

Retail revenue

Other revenue

NRG Business

NRG Home

Year ended December 31, 2014

Gulf
Coast

East West

B2B

Elim-
inations

Subtotal

Retail

Solar

NRG
Renew

NRG
Yield

Elim-
inations/
Corporate

Total

$ 2,711

$ 3,439

$ 326

$ — $

— $ 6,476

$ — $ — $

384

$ 270

$

(1,708) $ 5,422

260

1,269

257

1

—

86

—

107

— 1,870

8

189

Operating revenue

3,057

4,815

591

2,060

Cost of fuel

(1,494)

(1,841)

(235)

—

Other costs of sales

(293)

(413)

(31)

(1,832)

—

—

(50)

(50)

—

—

1,787

1,870

340

—

5,502

—

10,473

5,502

(3,570)

(16)

—

42

—

42

—

(2,569)

(4,207)

(33)

1

—

39

424

(4)

(7)

321

—

182

773

(62)

(27)

(22)

(38)

(66)

2,087

7,376

495

(1,834)

15,380

75

1,797

(3,577)

(5,046)

Economic gross margin

$ 1,270

$ 2,561

$ 325

$ 228

$

(50) $ 4,334

$ 1,279

$

9

$

413

$ 684

$

38

$ 6,757

Business Metrics

MWh sold (thousands)(a)(b)

63,860

49,619

4,769

MWh generated (thousands)(c)

59,872

51,191

4,241

Electricity sales volume (GWh)

Average customer count (thousands,

metered locations)

21,816

82

(a) MWh sold excludes generation at facilities that generate revenue under capacity agreements. 
(b) Does not include MWh of 205 thousand or MWt of 2,060 thousand for thermal sold by NRG Yield.
(c) Does not include MWh of 224 thousand or MWt of 2,060 thousand for thermal generation by NRG Yield.

68

4,026

4,026

3,977

6,108

Weather Metrics
2015

CDDs (a)
HDDs (a)

2014

CDDs
HDDs

10 year average

CDDs
HDDs

Years ended December 31,

Gulf 
Coast (b)

East

West

2,870
1,887

2,737
2,157

2,901
1,900

1,336
4,697

1,068
5,123

1,188
4,712

1,111
1,948

1,158
1,712

821
2,404

(a)  National Oceanic and Atmospheric Administration-Climate Prediction Center - A Cooling Degree Day, or CDD, represents the number of degrees that the 
mean temperature for a particular day is above 65 degrees Fahrenheit in each region.  A Heating Degree Day, or HDD, represents the number of degrees that 
the mean temperature for a particular day is below 65 degrees Fahrenheit in each region.  The CDDs/HDDs for a period of time are calculated by adding 
the CDDs/HDDs for each day during the period.

(b)     CDDs/HDDs for the Gulf Coast region represent an average of cumulative population-weighted CDDs/HDDs for Texas and the West South-Central Climate 

region.

NRG Business economic gross margin

NRG Business economic gross margin increased by $2 million, including intercompany sales, during the year ended 

December 31, 2015, compared to the same period in 2014, due to: 

Increase in Gulf Coast region

Decrease in East region

Decrease in West region

Increase in B2B

The increase in economic gross margin in the Gulf Coast region was driven by: 

Higher gross margin, which reflects a decrease in ERCOT merchant power prices, offset by  the impact of

beneficial hedges, as well as a decrease in natural gas prices

Higher gross margin due to an increase in capacity revenue from higher pricing for certain South Central
facilities as well as an increase in average realized prices which reflects the impact of beneficial hedges

Higher gross margin from an increase in gas generation in Texas, which reflects lower supply costs from lower

natural gas prices

Lower gross margin due to lower coal generation in Texas, which was driven by lower natural gas prices

Lower capacity revenue due to the expiration of contracts in Texas and South Central

Lower coal gross margin due to lower coal generation in South Central, primarily for the conversion of Big

Cajun Unit 2 to gas

Lower gross margin from decrease in nuclear generation driven by increased planned and unplanned outages

Changes in commercial optimization and other

(In millions)
188
$
(161)
(42)
17

$

2

(In millions)

$

$

174

139

28
(71)
(49)

(32)
(21)
20

188

69

The decrease in economic gross margin in the East region was driven by:

Lower gross margin due to a 27% decrease in coal generation as a result of prior year winter weather conditions

and plant deactivations

Lower gross margin driven by a 7% decrease in PJM cleared auction capacity volumes primarily from unit

deactivations, coupled with increased purchased capacity, partially offset by a 4% increase in PJM cleared
auction capacity prices

Changes in commercial optimization activities

Lower gross margin due to market adjustments for fuel oil inventory

Higher gross margin due to the EME acquisition in April 2014

Higher gross margin for gas facilities due to a decrease in natural gas prices, partially offset by a 6% decrease

in average realized energy prices, which reflect the impact of beneficial hedges

Higher gross margin due to new load contracts starting in June 2014 and lower supply cost

Higher gross margin primarily driven by a 9% increase in New York and New England hedged capacity prices

offset by purchased capacity

Other

 The decrease in economic gross margin in the West region was driven by:

Lower capacity gross margin due to a 17% decrease in price as a result of higher reserve margins driven by
more competition in certain areas and the expiration of certain tolling arrangements, which were replaced
with lower priced agreements

Lower gross margin due to the retirement of Coolwater

Higher energy gross margin due to a 15% increase in volume driven by more available generation resulting
from the expiration of certain tolling arrangements and a 39% decrease in gas prices, partially offset by a
27% decrease in energy prices

Higher gross margin due to the EME acquisition

Other

The increase in B2B economic gross margin was driven by:

Higher gross margin for the C&I business in 2015 due to higher supply costs incurred in early 2014 as a result
of prior year winter weather conditions and lower supply costs in 2015 driven by lower natural gas prices

Higher margin for the energy services business due to new contracts and new business

Lower gross margin from a decrease in customer usage due to customer mix

Other

(In millions)

$

(324)

(60)
(34)
(8)
121

55

50

29

10
(161)

$

(In millions)

$

$

(43)
(21)

11

8

3
(42)

(In millions)

$

$

17

4
(3)
(1)
17

70

NRG Home Retail economic gross margin

The following is a discussion of economic gross margin for NRG Home Retail.

Selected Income Statement Data

(In millions except otherwise noted)

Home Retail revenue
Supply management revenue
Operating revenues (a)
Cost of sales (b)

Economic gross margin

Business Metrics

Electricity sales volume (GWh) - Gulf Coast
Electricity sales volume (GWh) - All other regions
Average NRG Home Retail customer count (in thousands) (c)
NRG Home Retail customer count (in thousands) (c)
Includes intercompany sales of $8 million and $9 million, respectively.
Includes intercompany purchases of $1,054 million and $1,846 million, respectively.

(a) 
(b) 
(c)  Excludes Discrete customers.

$

$

$

Years ended December 31,

2015

2014

5,251
138
5,389
(3,891)
1,498

$

$

$

34,600
8,090
2,783
2,766

5,269
233
5,502
(4,223)
1,279

33,284
8,218
2,718
2,844

NRG Home Retail economic gross margin increased $219 million for the year ended December 31, 2015, compared to 

the same period in 2014, driven by: 

Higher gross margin due to lower supply costs partially offset by lower rates to customers driven by a

decrease in natural gas prices

Higher gross margin due to lower supply costs on the higher sales volumes resulting from weather in 2015

Other

(In millions)

$

$

172

50
(3)
219

NRG Home Solar economic gross margin

NRG Home Solar economic gross margin increased by $6 million for the year ended December 31, 2015, compared to the 

same period in 2014, which was primarily related to an increase in solar leases deployed. 

NRG Renew economic gross margin 

NRG Renew economic gross margin increased $58 million for the year ended December 31, 2015, compared to the same 
period in 2014. The increase in gross margin was a result of the EME acquisition in April 2014 and improved performance at the 
Ivanpah project, as it continues towards full production capabilities. 

NRG Yield economic gross margin

NRG Yield economic gross margin increased $170 million for the year ended December 31, 2015, compared to the same 
period in 2014. The increase in gross margin was primarily related to the acquisition of the Alta Wind Assets in August 2014 as 
well as the acquisition of the January 2015 Drop Down Assets and the November 2015 Drop Down Assets from NRG, the majority 
of which were acquired by NRG from EME in April 2014. 

71

 
Mark-to-market for Economic Hedging Activities

Mark-to-market for economic hedging activities includes asset-backed hedges that have not been designated as cash flow 
hedges and ineffectiveness on cash flow hedges.  Total net mark-to-market results decreased by $385 million during the year ended 
December 31, 2015, compared to the same period in 2014.

The breakdown of gains and losses included in operating revenues and operating costs and expenses by region was as follows: 

For the Year Ended December 31, 2015

NRG Business

NRG
Home

Gulf
Coast

East

West

B2B

NRG
Renew

NRG
Yield

Eliminati
ons (a)

Total

(In millions)

Mark-to-market results in operating

revenues

Reversal of previously recognized

unrealized (gains)/losses on settled
positions related to economic hedges

Reversal of acquired gain positions

related to economic hedges

Net unrealized gains on open positions

related to economic hedges

Total mark-to-market (losses)/gains in

operating revenues

Mark-to-market results in operating

costs and expenses

Reversal of previously recognized

unrealized losses/(gains) on settled
positions related to economic hedges

Reversal of acquired gain positions

related to economic hedges

Net unrealized (losses)/gains on open

positions related to economic hedges

Total mark-to-market gains/(losses) in

operating costs and expenses

$ — $ (408) $ (288) $

6

$

(1) $

(3) $

(2) $

(46) $

(742)

—

—

—

(84)

342

174

—

4

$ — $

(66) $ (198) $

10

$

—

5

4

—

—

—

—

—

57

(84)

582

$

(3) $

(2) $

11

$

(244)

$

256

$

34

$

15

$

(1) $

117

$ — $ — $

46

$

467

(3)

—

—

(18)

(1)

(192)

(51)

(93)

1

(181)

—

—

—

—

—

(22)

(57)

(573)

$

61

$

(17) $

(78) $

(18) $

(65) $ — $ — $

(11) $

(128)

(a)  Represents the elimination of the intercompany activity between NRG Home and NRG Business.

Mark-to-market results consist of unrealized gains and losses.  The settlement of these transactions is reflected in the same 

caption as the items being hedged.

For the year ended December 31, 2015, the $244 million loss in operating revenues from economic hedge positions was 
driven primarily by the reversal of previously recognized unrealized gains on contracts that settled during the period and the 
reversal of acquired contracts largely offset by an increase in value of open positions as a result of decreases in ERCOT and PJM 
electricity prices.  The $128 million loss in operating costs and expenses from economic hedge positions was driven primarily by 
a decrease in the value of open positions as a result of decreases in ERCOT electricity and coal prices and the reversal of acquired 
contracts, largely offset by the reversal of previously recognized unrealized losses on contracts that settled during the period.

In accordance with ASC 815, the following table represents the results of the Company's financial and physical trading of 
energy commodities for the year ended December 31, 2015, and 2014.  The realized and unrealized financial and physical trading 
results  are  included  in  operating  revenue. The  Company's  trading  activities  are  subject  to  limits  within  the  Company's  Risk 
Management Policy and are primarily transacted through BETM.

(In millions)
Trading gains/(losses)

Realized

Unrealized

Total trading (losses)/gains

72

Year ended December 31,

2015

2014

$

$

$

57
(76)
(19) $

136

14

150

 
Operations and maintenance expense 

NRG Business

Gulf
Coast

East

West

B2B

Year Ended December 31, 2015

$ 643

$ 1,006

$143

$ 81

NRG
Home
Retail

NRG
Home
Solar

(In millions)
$ 18

$ 201

NRG
Renew

NRG
Yield

Elimin
ations

Total

$ 135

$ 171

$ (85) $ 2,313
2,230

(84)

Year Ended December 31, 2014

617

1,017

141

84

197

11

116

131

Operations and maintenance expenses increased by $83 million for the year ended December 31, 2015, compared to the 

same period in 2014, due to:

Increase due to the acquisition of EME in April 2014 and the Alta Wind Assets in August 2014

$

Increase in operations and maintenance expense related to planned outages at Cottonwood and Big Cajun

Increase in operations and maintenance expense related to Ivanpah reaching commercial operations in early

2014

Increase in operations and maintenance expense related to El Segundo Energy Center's forced outage in 2015

Increase due to the acquisition of Dominion in March 2014
Decrease in East operations and maintenance expense related to the timing and expense for prior year outages

at various plants

Decrease in operations and maintenance expense due to the retirement of Coolwater

Decrease in operations and maintenance expense related to Texas coal facilities due to timing of outages

Other

Other cost of operations 

$

(In millions)

116

42

8

6

4

(64)
(30)
(14)
15

83

Other cost of operations, comprised of asset retirement expense, insurance expense and property tax expense, increased by 
$43 million for the year ended December 31, 2015, compared to the same period in 2014, primarily due to the increase in property 
tax expense related to the acquisition of EME in April 2014 and the Alta Wind Assets in August 2014. 

Depreciation and Amortization Expense

Depreciation and amortization expense increased by $43 million for the year ended December 31, 2015, compared to the 
same period in 2014, primarily due to increases of $19 million and $40 million due to the acquisitions of EME in April 2014 and
the Alta Wind Assets in August 2014, respectively, partially offset by a decrease in depreciation expense for facilities impaired 
during 2015.

Impairment Losses

In 2015, the Company recorded impairment losses of $5,030 million related to various facilities, as well as goodwill for its 
Texas and Home Solar reporting units, as further described in Item 15 — Note 10, Asset Impairments,  and Note 11, Goodwill and 
Other Intangibles, to the Consolidated Financial Statements.

In 2014, the Company recorded an impairment loss of $97 million related primarily to the Osceola and Coolwater facilities, 

as further described in Item 15 — Note 10, Asset Impairments, to the Consolidated Financial Statements.  

73

Selling, Marketing, General and Administrative Expenses

Selling, marketing, general and administrative expenses are comprised of the following:

(In millions)

Selling and marketing expense

General and administrative expenses

For the year ended December 31,

2015

2014

$

$

$

509

711

1,220

$

343

684

1,027

Selling and marketing expenses increased $166 million for the year ended December 31, 2015 compared to the same 
period in 2014, due primarily to an increase in expense related to retail acquisitions as well as channel and product expansions in 
the core retail business, which also contributed to margin expansion during the same time period. The increase was also driven 
by Home Solar acquisitions in 2014, which provided NRG Home Solar with an installation team, a sales team and additional sales 
channels.

General and administrative expenses increased by $27 million for the year ended December 31, 2015, compared to the 
same period in 2014, due primarily to expansion of the Home Solar business partially offset by continued integration and cost 
management efforts. 

Acquisition-related Transaction and Integration Costs

NRG incurred transaction and integration costs of $10 million for the year ended December 31, 2015, compared to $84 
million for the same period in 2014.  The reduction in transaction and integration costs is due primarily to the substantial completion 
of integration activities for the acquisitions of Alta Wind, Dominion and EME in 2014.

Development Costs

NRG incurred development costs of $154 million for the year ended December 31, 2015, compared to $91 million for the 
same period in 2014.  The increase in development costs is due to increased development activities, primarily for Renewables  
and NRG eVgo.

Equity in Earnings of Unconsolidated Affiliates 

NRG's equity in earnings of unconsolidated affiliates was $36 million for the year ended December 31, 2015, compared to 
$38 million for the same period in 2014, due primarily to lower income at Watson, Midway Sunset, and Saguaro, partially offset 
by NRG Yield, Inc.'s acquisition of Desert Sunlight. 

Impairment Losses on Investments

In 2015, the Company recorded other-than-temporary impairment losses on certain of its cost and equity-method investments 

of $56 million, as further described in Item 15 — Note 10, Asset Impairments, to the Consolidated Financial Statements.

(Loss)/Gain on Sale of Equity Method Investment

In the fourth quarter of 2015, the Company sold its 32% interest in Altenex, as described in Item 15 — Note 3, Business 
Acquisitions and Dispositions, to the Consolidated Financial Statements.  In connection with the sale the Company received cash 
proceeds of $26 million and recorded a loss on the sale of $14 million.

In the fourth quarter of 2014, the Company sold its investment in Sabine, as described in Item 15  — Note 3, Business 
Acquisitions and Dispositions, to the Consolidated Financial Statements.  In connection with the sale, the Company received cash 
proceeds of $35 million and recorded a gain on the sale of $18 million.

Gain/(Loss) on Debt Extinguishment 

A gain on debt extinguishment of $75 million was recorded for the year ended December 31, 2015, primarily driven by the 
repurchase of NRG senior notes due 2023 and 2024, GenOn senior notes due 2020, and GenOn Americas Generation senior notes 
due 2021 and 2031 at a price below par value, combined with the write-off of unamortized premium. The repurchase of senior 
notes during 2015 will result in future interest savings of approximately $42 million annually.

In  the  fourth  quarter  of    2014,  a  loss  of  $95  million  was  recorded  primarily  due  to  the  redemption  premiums  from  the 

redemption of the 2019 Senior Notes. These gains/losses also included the write-off of previously deferred financing costs. 

74

 
 
Interest Expense

NRG's interest expense increased by $9 million for the year ended December 31, 2015, compared to the same period in 2014 

due to the following:

Increase due to the acquisition of EME in April 2014 and Alta Wind in August 2014

Increase for the 2022 Senior Notes issued in January 2014 and the 2024 Senior Notes issued in April 2014

Increase due to issuance of the NRG Yield Operating LLC 2024 Senior Notes issued in 2014

Decrease in derivative interest expense primarily from changes in fair value of interest rate swaps

Decrease due to the redemption of 7.625% and 8.5% Senior Notes due 2019

Other

Income Tax Expense

(In millions)
51
$

24

17
(40)
(38)
(5)
9

$

For the year ended December 31, 2015, NRG recorded income tax expense of $1,342 million on a pre-tax loss of $5,094 
million.  For the same period in 2014, NRG recorded an income tax expense of $3 million on pre-tax income of $135 million.  
The effective tax rate was (26.3)% and 2.2% for the years ended December 31, 2015, and 2014, respectively.

For the year ended December 31, 2015, NRG's overall effective tax rate was different than the statutory rate of 35% primarily 
due to recording of a valuation allowance on the federal and certain state net deferred tax assets that may not be realizable under 
a “more likely than not” measurement. In addition, a portion of the book goodwill impairment is classified as a permanent reversal 
impacting the effective tax rate.

(Loss)/Income Before Income Taxes

Tax at 35%
State taxes
Foreign operations
Federal and state tax credits, excluding PTCs
Valuation allowance
Book goodwill impairment
Impact of non-taxable entity earnings
Net interest accrued on uncertain tax positions
Production tax credits
Recognition of uncertain tax benefits
Tax expense attributable to consolidated partnerships
Impact of change in effective state tax rate
Other
Income tax expense
Effective income tax rate

Year Ended December 31,

2015

2014

(In millions
except as otherwise stated)

$

(5,094)

$

135

(1,783)
(218)
1
(5)
3,039
340
(10)
(3)
(33)
(15)
12
19
(2)
1,342
(26.3)%

$

47
9
1
(1)
6
—
(11)
(2)
(48)
(30)
4
22
6
3
2.2%

$

The effective income tax rate may vary from period to period depending on, among other factors, the geographic and business 
mix of earnings and losses and changes in valuation allowances in accordance with ASC 740, Income Taxes, or ASC 740. These 
factors and others, including the Company's history of pre-tax earnings and losses, are taken into account in assessing the ability 
to realize deferred tax assets.

75

Net loss attributable to noncontrolling interests and redeemable noncontrolling interests

Net loss attributable to noncontrolling interests and redeemable noncontrolling interests was $54 million for the year ended 
December 31, 2015, compared to $2 million for the year ended December 31, 2014. For the years ended December 31, 2015, and 
2014, the net losses attributable to noncontrolling interests primarily reflect losses allocated to tax equity investors using the  
hypothetical liquidation at book value, or HLBV, method, offset in part by NRG Yield, Inc.'s share of net income for the period.

76

Consolidated Results of Operations

2014 compared to 2013 

The following table provides selected financial information for the Company:

Year Ended December 31,
2014(a)

2013

Change %

(In millions except otherwise noted)
Operating Revenues
Energy revenue (b)
Capacity revenue (b)
Retail revenue
Mark-to-market for economic hedging activities
Contract amortization
Other revenues (c)

Total operating revenues

Operating Costs and Expenses

Cost of sales (b)
Mark-to-market for economic hedging activities
Contract and emissions credit amortization (d)
Operations and maintenance
Other cost of operations

Total cost of operations

Depreciation and amortization
Impairment losses
Selling, general and administrative expense
Acquisition-related transaction and integration costs
Development costs

Total operating costs and expenses

Gain on sale of assets

Operating Income
Other Income/(Expense)

Equity in earnings of unconsolidated affiliates
Impairment losses on investments
Other income, net
Gain on sale of equity-method investment
Loss on debt extinguishment
Interest expense

Total other expense

Income/(Loss) before income tax expense

Income tax expense/(benefit)

Net Income/(loss)

$

$

5,422
2,087
7,376
501
(13)
495
15,868

8,623
488
31
2,230
422
11,794
1,523
97
1,027
84
91
14,616
19
1,271

38
—
22
18
(95)
(1,119)
(1,136)
135
3
132

3,530
1,800
6,287
(578)
(31)
287
11,295

6,272
(293)
33
1,789
329
8,130
1,256
459
895
128
84
10,952
—
343

7
(99)
13
—
(50)
(848)
(977)
(634)
(282)
(352)

34
(386)

3.65

54%
16
17
187
58
72
40

37
267
(6)
25
28
45
21
(79)
15
(34)
8
33
N/A
271

443
N/A
69
N/A
90
32
16
(121)
(101)
(138)

(106)
(135)

21%

Less: Net (loss)/income attributable to noncontrolling interests and
redeemable noncontrolling interests
Net income/(loss) attributable to NRG Energy, Inc. 

Business Metrics
Average natural gas price — Henry Hub ($/MMBtu)

$

$

(2)
134

4.41

$

$

Includes the results of EME from April 1, 2014, to December 31, 2014
Includes realized gains and losses from financially settled transactions.  

(a) 
(b) 
(c)   Includes unrealized trading gains and losses.
(d)   Includes amortization of SO2 and NOx credits and excludes amortization of RGGI.
N/A - Not Applicable

77

 
Management's discussion of the results of operations for the years ended December 31, 2014, and 2013 

Economic gross margin

The Company evaluates its operating performance using the measure of economic gross margin, which is not a GAAP 
measure and may not be comparable to other companies’ presentations or deemed more useful than the GAAP information provided 
elsewhere in this report.  The Company believes that economic gross margin is useful to investors as it is a key operational measure 
reviewed by the Company's chief operating decision maker.  Economic gross margin is defined as the sum of energy revenue, 
capacity revenue, retail revenue and other revenue, less cost of sales.  

Economic gross margin excludes the following elements from gross margin: mark-to-market gains or losses on economic 

hedging activities, contract amortization and emission credit amortization.

The following tables present the composition of economic gross margin, business metrics and weather metrics for the 

years ended December 31, 2014, and 2013:

NRG Business

NRG Home

Year ended December 31, 2014

Gulf
Coast

East West

B2B

Elim-
inations

Subtotal

Retail

Solar

NRG
Renew

NRG
Yield

$ 2,711

$ 3,439

$ 326

$ — $

— $ 6,476

$ — $ — $

384

$

(In millions except otherwise

noted)

Energy revenue

Capacity revenue

Retail revenue

Other revenue

260

1,269

257

—

86

—

107

—

8

1

1,870

189

Operating revenue

3,057

4,815

591

2,060

Cost of fuels

(1,494)

(1,841)

(235)

—

Other costs of sales

(293)

(413)

(31)

(1,832)

—

—

(50)

(50)

—

—

1,787

1,870

340

—

5,502

—

10,473

5,502

(3,570)

(16)

—

42

—

42

—

(2,569)

(4,207)

(33)

1

—

39

424

(4)

(7)

Elim-
inations/
Corporate

Total

$

(1,708) $ 5,422

(22)

(38)

(66)

2,087

7,376

495

(1,834)

15,380

75

1,797

(3,577)

(5,046)

270

321

—

182

773

(62)

(27)

Economic gross margin

$ 1,270

$ 2,561

$ 325

$

228

$

(50) $ 4,334

$ 1,279

$

9

$

413

$

684

$

38

$ 6,757

Business Metrics

MWh sold (thousands)(a)(b)

63,860

49,619

4,769

MWh generated (thousands)(c)

59,872

51,191

4,241

Electricity sales volume (GWh)

Average customer count (thousands,

metered locations)

21,816

82

(a) MWh sold excludes generation at facilities that generate revenue under capacity agreements. 
(b) Does not include MWh of 205 thousand or MWt of 2,060 thousand for thermal sold by NRG Yield.
(c) Does not include MWh of 224 thousand or MWt of 2,060 thousand for thermal generation by NRG Yield.

4,026

4,026

3,977

6,108

(In millions except otherwise

noted)

Gulf
Coast

East West

B2B

Elim-
ination
s

Subtotal Retail

Solar

NRG
Renew

NRG
Yield

NRG Business

NRG Home

Year ended December 31, 2013

$ 2,748

$ 2,439

$ 148

$ — $ — $ 5,335

$ — $ — $

190

$

Energy revenue

Capacity revenue

Retail revenue

Other revenue

372

1,075

265

—

26

—

78

—

4

8

1,909

132

Operating revenue

3,146

3,592

417

2,049

Cost of fuels

(1,362)

(1,351)

(101)

(1)

Other costs of sales

(413)

(179)

(13)

(1,800)

—

—

(46)

(46)

—

—

1,720

1,909

194

—

4,384

7

9,158

4,391

(2,815)

(13)

(2,405)

(3,206)

—

—

25

215

—

(8)

—

—

4

4

—

—

4

Economic gross margin

$ 1,371

$ 2,062

$ 303

$

248

$

(46) $ 3,938

$ 1,172

$

Business Metrics

MWh sold (thousands)(a)(b)

63,643

34,888

1,534

MWh generated (thousands)(c)

57,193

34,081

2,876

Electricity sales volume (GWh)

Average customer count (thousands,

metered locations)

25,748

99

(a) MWh sold excludes generation at facilities that generate revenue under capacity agreements. 
(b) Does not include MWh of 139 thousand or MWt of 1,679 thousand for thermal sold by NRG Yield.
(c) Does not include MWh of 139 thousand or MWt of 1,858 thousand for thermal generated by NRG Yield.

78

Elim-
inations/
Corporate

Total

$

(2,106) $ 3,530

(60)

(6)

(80)

1,800

6,287

287

(2,252)

11,904

91

(2,779)

2,152

(3,493)

111

140

—

137

388

(42)

(26)

$

207

$

320

$

(9) $ 5,632

1,687

1,687

1,221

1,973

Weather Metrics
2014

CDDs (a)
HDDs (a)

2013

CDDs
HDDs

10 year average

CDDs
HDDs

Year Ended December 31,

Gulf 
Coast (b)

East

West

2,737
2,157

2,787
2,148

2,885
1,866

1,068
5,123

1,173
4,852

1,183
4,691

1,158
1,712

819
2,272

786
2,464

(a)  National Oceanic and Atmospheric Administration-Climate Prediction Center - A Cooling Degree Day, or CDD, represents the number of degrees that the 
mean temperature for a particular day is above 65 degrees Fahrenheit in each region. A Heating Degree Day, or HDD, represents the number of degrees that 
the mean temperature for a particular day is below 65 degrees Fahrenheit in each region. The CDDs/HDDs for a period of time are calculated by adding the 
CDDs/HDDs for each day during the period.

(b)  CDDs/HDDs for the Gulf Coast region represent an average of cumulative population-weighted CDDs/HDDs for Texas and the West South-Central Climate 

region.

NRG Business economic gross margin

NRG Business economic gross margin increased by $400 million, including intercompany sales, during the year ended 

December 31, 2014, compared to the same period in 2013, due to:

Decrease in Gulf Coast region

Increase in East region

Increase in West region

Decrease in B2B

The decrease in economic gross margin in the Gulf Coast region was driven by: 

Lower gross margin which reflects an increase in ERCOT merchant power prices, offset by the negative impact

of hedges, partially offset by higher realized prices in MISO

Lower gross margin from bilateral contracts with load serving entities, including affiliates

Higher gross margin from a 16% increase in nuclear generation driven by reduced unplanned outages
Higher gross margin from lower coal transportation costs and lower transmission expenses driven by the move

to MISO

Change in commercial optimization activities and other

The increase in economic gross margin in the East region was driven by: 

Higher gross margin due to the EME acquisition in April 2014

Higher gross margin primarily from a 5% increase in generation and a 6% increase in realized energy prices

Higher gross margin from a 33% increase in New York and New England hedged capacity prices. In New York,

the higher prices were driven by the new Lower Hudson Valley Capacity Zone

Lower gross margin from a 7% decrease in PJM hedged capacity prices

Change in commercial optimization activities and other

79

(In millions)
$

(101)
499

22
(20)
400

$

(In millions)

$

$

(140)
(35)
35

30

9
(101)

(In millions)
297
$

127

77
(35)
33

499

$

The increase in economic gross margin in the West region was driven by:

Higher gross margin due to the EME acquisition in April 2014

Higher capacity gross margin due to increase in realized prices

Lower gross margin due to the deactivation of the Contra Costa facility in 2013 and other changes in contracted

assets

Lower energy gross margin due to a 26% decrease in generation primarily related to out-of-merit dispatch,

offset by a 5% increase in price

Other

The decrease in B2B economic gross margin was driven by:

Lower C&I gross margin due to lower revenue rates

Higher gross margin due to the acquisition of Energy Curtailment Specialists in August 2013

Other

(In millions)
28
$

29

(23)

(17)
5

22

$

(In millions)
$

(46)
24

2
(20)

$

80

NRG Home Retail economic gross margin

The following is a discussion of economic gross margin for NRG Home Retail.

Selected Income Statement Data

(In millions except otherwise noted)

Home Retail revenue (a)
Supply management revenue
Operating revenues
Cost of sales (b)

Economic gross margin

Business Metrics

Electricity sales volume (GWh) - Gulf Coast
Electricity sales volume (GWh) - All other regions
Average NRG Home customer count (in thousands) (c)
NRG Home customer count (in thousands) (c)

Includes intercompany sales of $9 million and $9 million, respectively
Includes intercompany purchases of $1,846 million and $2,097 million, respectively.

(a) 
(b) 
(c)  Excludes Discrete customers.

$

$

$

Years ended December 31,

2014

2013

5,269
233
5,502
(4,223)
1,279

$

$

$

33,284
8,218
2,718
2,844

4,257
134
4,391
(3,219)
1,172

29,784
4,363
2,190
2,217

NRG Home Retail economic gross margin increased $107 million for the year ended December 31, 2014, compared to 

the same period in 2013, driven by:

Increase in margins due to higher commodity, home and business services revenues offset by higher supply

costs

Increase from the acquisition of Dominion's competitive retail electric business in March 2014

Adverse weather impact due to higher supply costs on the incremental weather volumes in 2014 compared to

2013

(In millions)

$

$

92

70

(55)
107

NRG Home Solar economic gross margin

NRG Home Solar had economic gross margin of $9 million in the year ended December 31, 2014 compared to $4 million 
in the prior year.  The increase related primarily to lease revenue from additional solar energy systems that began operating in 
2014. 

NRG Renew economic gross margin

NRG Renew had economic gross margin of $413 million for the year ended December 31, 2014, compared to $207 million 
for the same period in 2013.  The increase in economic gross margin was primarily the result of $102 million related to the CVSR 
and Ivanpah projects which reached commercial operations in late 2013 and early 2014, respectively, and $70 million related to 
the projects within the Renew segment that were acquired in the EME acquisition in April 2014.  

NRG Yield economic gross margin

NRG Yield had economic gross margin of $684 million for the year ended December 31, 2014, compared to economic gross 
margin of $320 million for the same period in 2013.  The increase was primarily due to $162 million from the acquisition of the 
January 2015 Drop Down Assets and the November 2015 Drop Down Assets, which were primarily acquired by NRG in April 
2014, $109 million from Marsh Landing and El Segundo Energy Center, which both reached commercial operations in 2013, $64 
million from the acquisition of the Alta Wind Assets in August 2014 and $15 million from the acquisition of Energy Systems 
Company in December 2013. 

81

 
 
Mark-to-market for Economic Hedging Activities

Mark-to-market for economic hedging activities includes asset-backed hedges that have not been designated as cash flow 
hedges and ineffectiveness on cash flow hedges. Total net mark-to-market results increased by $298 million in the year ended 
December 31, 2014, compared to the same period in 2013.

The breakdown of gains and losses included in operating revenues and operating costs and expenses by region are as follows:

Year Ended December 31, 2014

NRG Business

NRG
Home

Gulf
Coast

East

West

B2B

NRG
Renew

NRG
Yield

Elimination(a)

Total

(In millions)

Mark-to-market results in

operating revenues

Reversal of previously recognized
unrealized (gains)/losses on
settled positions related to
economic hedges

Reversal of acquired (gain)/loss
positions related to economic
hedges

Net unrealized gains/(losses) on

open positions related to
economic hedges

Total mark-to-market gains/

(losses) in operating revenues

Mark-to-market results in

operating costs and expenses
Reversal of previously recognized
unrealized (gains)/losses on
settled positions related to
economic hedges

Reversal of acquired (gain)/loss
positions related to economic
hedges

Net unrealized (losses)/gains on

open positions related to
economic hedges

Total mark-to-market (losses)/
gains in operating costs and
expenses

$ — $

(6) $ 10

$

(5) $ — $

1

$ — $

(1) $

(1)

—

— (325)

1

—

—

—

— $

(324)

—

510

357

(7)

—

$ — $ 504

$ 42

$ (11) $ — $

3

4

$

2

2

(39)

826

$

(40) $

501

$

(25) $

2

$ 10

$ — $

(2) $ —

— $

1

$

(14)

(17)

—

11

—

(3)

—

(295)

(25)

(20)

1

(166)

—

—

—

—

40

(9)

(465)

$ (337) $

(23) $

1

$

1

$ (171) $ — $ — $

41

$

(488)

(a)  Represents the elimination of the intercompany activity between NRG Home and NRG Business.

Mark-to-market results consist of unrealized gains and losses. The settlement of these transactions is reflected in the same 

caption as the items being hedged.

For the year ended December 31, 2014, the $501 million gain in operating revenues from economic hedge positions was 
driven primarily by an increase in the value of open positions as a result of decreases in natural gas prices partially offset by the 
reversal of previously recognized unrealized gains on acquired contracts that settled during the period. The $488 million loss in 
operating costs and expenses from economic hedge positions was driven primarily from a decrease in the value of open positions 
as a result of decreases in natural gas and coal prices. 

82

 
In accordance with ASC 815, the following table represents the results of the Company's financial and physical trading of 
energy commodities for the years ended December 31, 2014, and 2013. The realized and unrealized financial and physical trading 
results are included in operating revenues. The  Company's trading activities  are subject to  limits within the Company's Risk 
Management Policy. Beginning in April 2014, the Company's trading activities were primarily transacted through BETM. 

Trading gains/(losses)

Realized
Unrealized

Total trading gains

Operations and maintenance expense

Year Ended December 31,

2014

2013

(In millions)

$

$

136
14
150

$

$

66
(43)
23

NRG Business

Gulf
Coast

East

West

B2B

Year Ended December 31, 2014
Year Ended December 31, 2013

$ 617
569

$ 1,017
809

$141
150

$ 84
69

NRG
Home
Retail

NRG
Home
Solar

(In millions)
$ 11
—

$ 197
160

NRG
Renew

NRG
Yield

Elimin
ations

Total

$ 116
30

$ 131
66

$ (84) $ 2,230
1,789

(64)

Operations and maintenance expenses increased by $441 million for the year ended December 31, 2014, compared to 

the same period in 2013, due to:

Increase due to the acquisition of EME in April 2014

Increase for CVSR and Ivanpah projects which reached commercial operations in late 2013 and early 2014

Increase in Gulf Coast operations and maintenance expense primarily related to the timing and scope of outages
at STP and other Texas plants, the acquisition of Gregory in August 2013, as well as fixed asset disposals at
STP and the W.A. Parish and Limestone coal plants in Texas

Increase due to the acquisition of the Alta Wind Assets and Energy Systems Company

Increase in operations and maintenance expense as Marsh Landing, El Segundo, and other smaller projects

reached commercial operations in 2013

Decrease in operations and maintenance expense for significant outages in 2013 at Morgantown, Seward, and

Cheswick which did not recur in 2014, lower plant deactivation costs for Titus and sale of Kendall

Other

Other cost of operations

(In millions)
310
$

78

60

17

15

(49)
10

441

$

Other cost of operations, comprised of asset retirement expense, insurance expense, and property tax expense, increased 
by $93 million for the year ended December 31, 2014, compared to the same period in 2013 due to increased expenses related 
various projects reaching commercial operations in late 2013 and early 2014, as well as an increase in property tax expense 
related to the acquisition of EME in April 2014 and the Alta Wind Assets in August 2014.

83

 
 
 
Contract Amortization Revenue

Contract  amortization  represents  the  roll-off  of  in-market  customer  contracts  valued  under  purchase  accounting  and  the 
favorable change of $18 million, as compared to 2013, related primarily to the completion of the roll-off of certain customer 
contracts acquired in the Reliant acquisition.

Depreciation and Amortization Expense

Depreciation and amortization expense increased by $267 million for the year ended December 31, 2014, compared to the 
same period in 2013, due primarily to the EME acquisition in April 2014, the Alta Wind acquisition in August 2014 and additional 
depreciation expense of $110 million as a result of El Segundo, Marsh Landing and Ivanpah reaching commercial operations in 
late 2013.

Impairment Losses

In 2014, the Company recorded impairment losses of $97 million related primarily to the Osceola and Coolwater facilities as 

further described in Item 15 - Note 10, Asset Impairments, to the Consolidated Financial Statements.

In the fourth quarter of 2013, the Company recorded an impairment loss of $459 million related to the Indian River facility.  
The impairment loss resulted from a change in management's long-term view on the economics of the facility, as further described 
in Item 15 — Note 10, Asset Impairments, to the Consolidated Financial Statements. 

Selling, Marketing, General and Administrative Expenses

Selling, marketing, general and administrative expenses are comprised of the following:

(In millions)

Selling and marketing expense

General and administrative expenses

For the year ended December 31,

2014

2013

$

$

$

343

684

1,027

$

312

583

895

Selling and marketing expense increased $31 million for the year ended December 31, 2014, compared to the same period 
in 2013, due primarily to the acquisitions of RDS and Pure Energies, which provided NRG Home Solar with an installation team, 
internet, and telephonic sales team and certain sales channels.

General and administrative expenses increased $101 million for the year ended December 31, 2014, compared to the 
same period in 2013, due in part to the acquisition of EME in April 2014 and the expansion of the NRG Home Solar business as 
well as the presentation of NRG Home Solar expenses as development in 2013.

Acquisition-related Transaction and Integration Costs

NRG incurred transaction and integration costs of $84 million for the year ended December 31, 2014, compared to $128 
million for the same period in 2013. The reduction in transaction and integration costs is due primarily to the substantial completion 
of the GenOn integration activities in 2013, offset by the acquisitions and integration costs of Alta Wind, Dominion, and EME in 
2014.

Development Costs

NRG incurred development costs of $91 million for the year ended December 31, 2014, compared to $84 million for the 

same period in 2013. This increase in development costs relates primarily to an increase in Renewable development expenses.

Equity in Earnings of Unconsolidated Affiliates

NRG's equity in earnings of unconsolidated affiliates was $38 million for the year ended December 31, 2014, compared to 
$7 million for the same period in 2013.  The increase was due primarily to $13 million of income in 2014 from a long-term natural 
gas hedge entered into by Saguaro in July 2013 compared to losses of $11 million in 2013, and $13 million resulting from the 
acquisition of EME in April 2014.

84

 
 
Impairment Losses on Investments

In the fourth quarter of 2013, the Company recorded impairment losses of $99 million, primarily related to the Company's 
Gladstone equity method investment.  The Company determined that losses associated with the investments were other than 
temporary and accordingly, an impairment loss was recorded. Impairments are discussed in more detail in Item 15 — Note 10, 
Asset Impairments, to the Consolidated Financial Statements.

Gain on Sale of Equity-Method Investment

In the fourth quarter of 2014, the Company sold its investment in Sabine, as described in Item 15  — Note 3, Business 
Acquisitions and Dispositions, to the Consolidated Financial Statements. In connection with the sale, the Company received cash 
proceeds of $35 million and recorded a gain on sale of $18 million. 

Loss on Debt Extinguishment

A loss on debt extinguishment of $95 million was recorded for the year ended December 31, 2014, compared to a loss of 
$50 million in the year ended December 31, 2013. The loss in 2014 was primarily due to the redemption premiums from the 
redemption of the 2019 Senior Notes. The loss in 2013 included $28 million related to open market repurchases of the 2018 Senior 
Notes, 2019 Senior Notes and 2020 Senior Notes in the first quarter of 2013. These losses primarily consisted of the premiums 
paid on redemption and the write-off of previously deferred financing costs. In the second quarter of 2013, a $21 million loss on 
debt extinguishment was recorded and included $11 million related to the redemption of the 2014 GenOn Senior Notes, which 
consisted of redemption premiums offset by the write-off of the remaining unamortized premium, and $10 million related to the 
amendments to the Senior Credit Facility, which consisted primarily of the write-off of previously deferred financing costs.

Interest Expense

NRG's interest expense increased by $271 million for the year ended December 31, 2014, compared to the same period 

in 2013, due to the following:

Increase for issuance of 2022 and 2024 Senior Notes in January and April 2014

Reduction to capitalized interest for projects placed in service

Increase in derivative interest expense primarily for the Alpine interest rate swaps

Increase for the acquisition of EME in April 2014

Increase for the acquisition of Alta Wind in August 2014

Increase for issuance of NRG Yield 2019 Convertible Notes and Senior Notes in February and August
2014

Increase in amortization of premium/discount

Decrease for 7.625% and 8.5% Senior Notes due 2019 redeemed in the first, second and third quarters of
2014

Decrease for 7.625% GenOn Senior Notes due 2014 redeemed in June 2013

(In millions)

116

102

46

35

32

23

14

(76)
(21)
271

$

$

85

Income Tax Expense/(Benefit)

For the year ended December 31, 2014, NRG recorded an income tax expense of $3 million on pre-tax income of $135 
million.  For the same period in 2013, NRG recorded an income tax benefit of $282 million on a pre-tax loss of $634 million.  The 
effective tax rate was 2.2% and 44.5% for the years ended December 31, 2014, and 2013, respectively.

For the year ended December 31, 2014, NRG's overall effective tax rate was different than the statutory rate of 35% primarily 
due to the generation of PTCs generated from various wind facilities including assets acquired in the EME transaction and a benefit 
resulting from the recognition of uncertain tax benefits, partially offset by state and local income taxes including a change in the 
effective tax rate.

Income/(Loss) Before Income Taxes
Tax at 35%
State taxes
Foreign operations
Federal and state tax credits, excluding PTCs
Valuation allowance
Expiration/utilization of capital losses
Reversal of valuation allowance on expired/utilized capital losses
Impact of non-taxable entity earnings
Net interest accrued on uncertain tax positions
Production tax credits
Recognition of uncertain tax benefits
Tax expense attributable to consolidated partnerships
Impact of change in effective state tax rate
Other
Income tax expense/(benefit)
Effective income tax rate

Year Ended December 31,

2014

2013

(In millions
except as otherwise stated)

$

$

135
47
9
1
(1)
6
—
—
(11)
(2)
(48)
(30)
4
22
6
3
2.2%

(634)
(222)
19
5
(36)
(5)
10
(10)
(14)
(3)
(14)
(11)
8
(21)
12
(282)
44.5%

$

$

The effective income tax rate may vary from period to period depending on, among other factors, the geographic and business 
mix of earnings and losses and changes in valuation allowances in accordance with ASC 740. These factors and others, including 
the Company's history of pre-tax earnings and losses, are taken into account in assessing the ability to realize deferred tax assets.

Net (loss)/income attributable to noncontrolling interests and redeemable noncontrolling interests

Net loss attributable to noncontrolling interests was $2 million for the year ended December 31, 2014, compared to net 
income  attributable  to  noncontrolling  interest  of  $34  million  for  the  year  ended  December  31,  2013.    During  2014,  income 
attributable to noncontrolling interests in the Ivanpah and Agua Caliente projects and NRG Yield, Inc. were offset by the share of 
net losses allocated to tax equity investors in the NRG Home Solar and wind tax equity arrangements using the HLBV method. 

86

Liquidity and Capital Resources

Liquidity Position

As  of  December 31,  2015  and  2014,  NRG's  liquidity,  excluding  collateral  funds  deposited  by  counterparties,  was 

approximately $3.3 billion and $3.9 billion, respectively, comprised of the following:

Cash and cash equivalents:

NRG excluding NRG Yield and GenOn
NRG Yield and subsidiaries
GenOn and subsidiaries
Restricted cash - operating
Restricted cash - reserves (a)

Total

Total credit facility availability

Total liquidity, excluding collateral funds deposited by counterparties

(a) 

Includes reserves primarily for debt service, performance obligations, and capital expenditures 

As of December 31,

2015

2014

(In millions)

$

$

742
111
665
127
287
1,932
1,373
3,305

$

$

767
429
920
203
254
2,573
1,367
3,940

For the year ended December 31, 2015, total liquidity, excluding collateral funds deposited by counterparties, decreased by 
$635  million.    Changes  in  cash  and  cash  equivalent  balances  are  further  discussed  hereinafter  under  the  heading Cash  Flow 
Discussion.  Cash and cash equivalents at December 31, 2015, were predominantly held in money market funds invested in treasury 
securities, treasury repurchase agreements or government agency debt.  

Management believes that the Company's liquidity position and cash flows from operations will be adequate to finance 
operating and maintenance capital expenditures, to fund dividends to NRG's common and preferred stockholders, and other liquidity 
commitments.  Management continues to regularly monitor the Company's ability to finance the needs of its operating, financing 
and investing activity within the dictates of prudent balance sheet management.

Restricted Payments Tests

Of the $1.5 billion of cash and cash equivalents of the Company as of December 31, 2015, $299 million and $192 million 
were held by GenOn Mid-Atlantic and REMA, respectively.  The ability of certain of GenOn’s and GenOn Americas Generation’s 
subsidiaries to pay dividends and make distributions is restricted under the terms of certain agreements, including the GenOn Mid-
Atlantic and REMA operating leases.  Under their respective operating leases, GenOn Mid-Atlantic and REMA are not permitted 
to make any distributions and other restricted payments unless:  (a) they satisfy the fixed charge coverage ratio for the most recently 
ended period of four fiscal quarters; (b) they are projected to satisfy the fixed charge coverage ratio for each of the two following 
periods of four fiscal quarters, commencing with the fiscal quarter in which such payment is proposed to be made; and (c) no 
significant lease default or event of default has occurred and is continuing.  In addition, prior to making a dividend or other restricted 
payment, REMA must be in compliance with the requirement to provide credit support to the owner lessors securing its obligation 
to pay scheduled rent under its leases. Based on GenOn Mid-Atlantic’s and REMA’s most recent calculations of these tests, GenOn 
Mid-Atlantic and REMA did not satisfy the restricted payments tests.  As a result, as of December 31, 2015, GenOn Mid-Atlantic 
and REMA could not make distributions of cash and certain other restricted payments.  Each of GenOn Mid-Atlantic and REMA 
may recalculate its fixed charge coverage ratios from time to time and, subject to compliance with the restricted payments test 
described above, make dividends or other restricted payments.

To the extent GenOn Mid-Atlantic or REMA are able to pay dividends to GenOn, the GenOn Senior Notes due 2018 and 
2020 and the related indentures restrict the ability of GenOn to incur additional liens and make certain restricted payments, including 
dividends.  In the event of a default or if restricted payment tests are not satisfied, GenOn would not be able to distribute cash to 
its parent, NRG.  At December 31, 2015, GenOn did not meet the consolidated debt ratio component of the restricted payments 
test.

87

 
 
As disclosed in Item 15 — Note 12, Debt and Capital Leases, to the Consolidated Financial Statements, certain of GenOn’s 
senior unsecured notes mature in 2017 and 2018.  If GenOn is not able to refinance these notes prior to their maturities, it may 
have an adverse impact on GenOn's financial position.  GenOn will consider all options available to it, including refinancing the 
notes, potential sales of certain generating assets or issuances of new debt securities.  Given current economic and market conditions, 
including the depressed commodity markets, GenOn may be unable to complete these actions on a timely basis or on satisfactory 
terms or at all.  These actions also may not be sufficient to enable GenOn to continue to satisfy its related cash commitments as 
they become due. 

GenOn’s financial position continues to be adversely affected by a sustained decline in natural gas prices and its resulting 
effect on wholesale power prices.   In addition, GenOn Mid-Atlantic and REMA are currently unable to make distributions of cash 
and certain other restricted payments to GenOn.  If gas and power prices remain depressed, GenOn may be unable to generate 
sufficient cash flow from operations to meets its long-term liquidity requirements, including operating, maintenance and capital 
expenditures and debt service payments. 

Credit Ratings

Credit rating agencies rate a firm's public debt securities.  These ratings are utilized by the debt markets in evaluating a firm's 
credit risk. Ratings influence the price paid to issue new debt securities by indicating to the market the Company's ability to pay 
principal, interest and preferred dividends.  Rating agencies evaluate a firm's industry, cash flow, leverage, liquidity, and hedge 
profile, among other factors, in their credit analysis of a firm's credit risk.

On October 2, 2015, Standard & Poor's, or S&P, lowered its corporate credit ratings on GenOn, GenOn Mid-Atlantic, REMA 
and GenOn Americas Generation to CCC+ from B-.  The ratings outlook for GenOn, GenOn Mid-Atlantic, REMA and GenOn 
Americas Generation is stable.  S&P also lowered the issue ratings on the GenOn senior notes, the pass-through certificates at 
GenOn  Mid-Atlantic  and  the  GenOn Americas  Generation  senior  notes  to  B-  from  B.   The  issue  rating  on  the  pass-through 
certificates of REMA was lowered by S&P to B from B+.

On September 18, 2015, S&P reaffirmed its corporate credit ratings on NRG Yield, Inc. and the Senior Notes due 2024. The 
rating outlook is stable.  On October 6, 2015, Moody's lowered its corporate credit ratings on NRG Yield, Inc. and the NRG Yield 
Operating LLC Senior Notes due 2024 to Ba2 from Ba1, respectively.  The rating outlook is stable.

On October 21, 2015, S&P reaffirmed its corporate credit ratings on NRG Energy, Inc. and its secured and unsecured debt.

The following table summarizes the credit ratings as of December 31, 2015:

NRG Energy, Inc. 
7.625% Senior Notes, due 2018
8.25% Senior Notes, due 2020
7.875% Senior Notes, due 2021
6.25% Senior Notes, due 2022
6.625% Senior Notes, due 2023
6.25% Senior Notes, due 2024
Term Loan Facility, due 2018
GenOn 7.875% Senior Notes, due 2017
GenOn 9.500% Senior Notes, due 2018
GenOn 9.875% Senior Notes, due 2020
GenOn Americas Generation 8.500% Senior Notes, due 2021
GenOn Americas Generation 9.125% Senior Notes, due 2031
NRG Yield, Inc.
5.375% NRG Yield Operating LLC Senior Notes, due 2024

Sources of Liquidity

S&P
BB- Stable
BB-
BB-
BB-
BB-
BB-
BB-
BB+
B-
B-
B-
B-
B-
BB+ Stable
BB+

Moody's
Ba3 Stable
B1
B1
B1
B1
B1
B1
Baa3
B3
B3
B3
Caa1
Caa1
Ba2 Stable
Ba2

The principal sources of liquidity for NRG's future operating and capital expenditures are expected to be derived from new 
and existing financing arrangements, existing cash on hand, cash flows from operations and cash proceeds from future sales of 
assets to NRG Yield, Inc.  As described in Item 15 — Note 12, Debt and Capital Leases, to the Consolidated Financial Statements, 
the Company's financing arrangements consist mainly of the Senior Credit Facility, the Senior Notes, the GenOn Senior Notes, 
the GenOn Americas Generation Senior Notes, the NRG Yield 2019 Convertible Notes, the NRG Yield 2020 Convertible Notes, 
the Yield Operating senior unsecured notes, the NRG Yield, Inc. revolving credit facility, and project-related financings.

88

The Company is currently executing several cost reduction initiatives including: (i) planned annual cost savings of $150 
million through the streamlining of administrative, marketing and development functions in 2016; (ii) an annual cost reduction 
of $100 million associated with the Company's operations and maintenance spend in 2016; and (iii) a reduction in NRG's capital 
expenditure program of approximately $100 million through the elimination of certain fuel conversion projects at GenOn plants. 

Cash Proceeds from NRG Yield, Inc. Class C Common Stock and Convertible Notes 

On June 29, 2015, NRG Yield, Inc. issued 28,198,000 shares of its Class C common stock for net proceeds of $599 million 
and closed on its offering of $287.5 million aggregate principal amount of 3.25% Convertible Senior Notes due 2020, or the NRG 
Yield 2020 Convertible Notes. The NRG Yield 2020 Convertible Notes are convertible, under certain circumstances, into NRG 
Yield, Inc. Class C common stock, cash or a combination thereof at an initial conversion price of $27.50 per Class C common 
share, which is equivalent to an initial conversion rate of approximately 36.3636 shares of Class C common stock per $1,000 
principal amount of notes. The proceeds from the Class C Common Stock and the NRG Yield 2020 Convertible Notes issuances 
were used to fund the purchase of 25% of the membership interest in Desert Sunlight Investment Holdings, LLC and to repay all 
of the outstanding project indebtedness associated with the Alta X and Alta XI wind facilities.

Cash Proceeds from Sale of Assets to NRG Yield, Inc.

On November 3, 2015, the Company sold 75% of the Class B interests of NRG Wind TE Holdco, which owns a portfolio 
of twelve wind facilities totaling 814 net MW, to NRG Yield, Inc. for total cash consideration of $209 million, subject to working 
capital  adjustments.  NRG Yield,  Inc.  is  responsible  for  its  pro-rata  share  of  non-recourse  project  debt  of  $193  million  and 
noncontrolling interest associated with a tax equity structure of $159 million (as of the acquisition date).  In February 2016, the 
Company  made a final working capital payment of $2 million to NRG Yield, Inc. reducing total cash consideration to $207 million.  

 The sale was recorded as a transfer of entities under common control and the related assets were transferred at carrying 

value.  NRG Yield, Inc. utilized borrowings under its revolving credit facility to fund the acquisition.

On January 2, 2015, the Company sold the following facilities to NRG Yield, Inc.: (i) Walnut Creek, a 485 MW natural gas 
facility located in City of Industry, California; (ii) the Tapestry projects, which include Buffalo Bear, a 19 MW wind facility in 
Buffalo, Oklahoma; Pinnacle, a 55 MW wind facility in Keyser, West Virginia; and Taloga, a 130 MW wind facility in Putnam, 
Oklahoma; and (iii) Laredo Ridge, an 80 MW wind facility located in Petersburg, Nebraska.  NRG Yield, Inc. paid total cash 
consideration of $489 million, including $9 million of working capital adjustments, plus assumed project level debt of $737 million. 
The sale was recorded as a transfer of entities under common control and the related assets were transferred at carrying value.  
NRG Yield, Inc. utilized cash on hand and borrowings of $210 million under its revolving credit facility to fund the acquisition. 

89

ROFO Assets

The Company entered into the ROFO Agreement with NRG Yield, Inc., under which the Company has granted NRG Yield, 
Inc. and its affiliates a right of first offer on any proposed sale, transfer or other disposition of certain assets of the Company for 
a period of seven years from May 14, 2015.  In addition to the assets described in the table below, which reflects the remaining 
assets subject to sale, the ROFO Agreement also provides NRG Yield, Inc. with a right of first offer with respect to up to $250 
million of equity in one or more residential or distributed solar generation portfolios developed by affiliates of the Company. 

Asset
CVSR(b)
Ivanpah(c)
Agua Caliente(d)
Carlsbad

Puente/Mandalay
TE Wind Holdco(e):
Elkhorn Ridge

San Juan Mesa

Wildorado

Crosswinds

Forward

Hardin

Odin

Sleeping Bear

Spanish Fork

Goat Wind

Lookout

Elbow Creek

Community

Jeffers
Minnesota Portfolio(f)

Fuel Type

Solar

Solar

Solar

Conventional

Conventional

Wind

Wind

Wind

Wind

Wind

Wind

Wind

Wind

Wind

Wind

Wind

Wind

Wind

Wind
Wind

Rated Capacity
(MW)(a)
128

193

148

527

262

13

22

40

5

7

4

5

24

5

37

9

30

30

50
40

COD

2013

2013

2014

2018

2020

2009

2005

2007

2007

2008

2007

2007

2007

2008

2008/2009

2008

2008

2011

2008
2003/2006

(a)  Represents the maximum, or rated, electricity generating capacity of the facility in MW multiplied by the Company's percentage ownership interest in the 
facility as of December 31, 2015.
(b)  Represents the Company's remaining 51.05% ownership interest in CVSR.
(c)  Represents 49.95% of the Company's 50.01% ownership interest in Ivanpah. Following a sale of this 49.95% interest, the remaining 50.05% of Ivanpah would 
be owned by the Company, Google Inc. and BrightSource Energy Inc.
(d)  Represents the Company’s 51% ownership interest in Agua Caliente. The remaining 49% of Agua Caliente is owned by MidAmerican Energy Holdings Inc.
(e)   Represents the Company's remaining 25% of the Class B interests of NRG Wind TE Holdco.  NRG Yield, Inc. acquired 75% of the Class B interests in November 
2015. A tax equity investor owns the Class A interests in NRG Wind TE Holdco.
(f)  Includes Bingham Lake, Eastridge, and Westridge projects.

Cash Grants

As of December 31, 2015, the Company had a net renewable energy grant receivable of $13 million, net of sequestration. 
The receivable balance reflects a reduction as compared to the December 31, 2014, balance of $135 million, net of sequestration, 
due primarily to a cash grant of approximately $51 million awarded by the U.S. Treasury Department to the Company for the 
Ivanpah project in June 2015 as well as the establishment of an indemnity receivable in the amount of $75 million relating to the 
agreement the Company has with SunPower relating to the CVSR project in the first quarter of 2015. 

90

Indemnity Receivable

The Company has a receivable of $75 million pursuant to an indemnity agreement the Company has with SunPower relating 
to the CVSR project.  Pursuant to the purchase and sale agreement for the CVSR project between NRG and SunPower, SunPower 
agreed to indemnify NRG up to $75 million if the U.S. Treasury Department made certain determinations and awarded a reduced 
1603 cash grant for the project.  SunPower has refused to honor its contractual indemnification obligation.  As a result, on March 
19, 2014, NRG filed a lawsuit against SunPower in California state court, alleging breach of contract and also seeking a declaratory 
judgment that SunPower has breached its indemnification obligation.  NRG is seeking $75 million in damages from SunPower. 
On April 2, 2015, SunPower filed its answer to the lawsuit and also a cross-complaint alleging that NRG owes SunPower $7.5 
million as a result of SunPower having paid more than its required share to cover the repayment of the DOE cash grant bridge 
loans.  In July 2015, NRG filed its answer to the cross-complaint. The court has set this case for trial on January 17, 2017.

First Lien Structure

NRG has granted first liens to certain counterparties on a substantial portion of the Company's assets, excluding assets 
acquired in the GenOn and EME (including Midwest Generation) acquisitions, assets held by NRG Yield, Inc. and NRG's assets 
that have project-level financing.  NRG uses the first lien structure to reduce the amount of cash collateral and letters of credit 
that it would otherwise be required to post from time to time to support its obligations under out-of-the-money hedge agreements 
for forward sales of power or gas used as a proxy for power.  To the extent that the underlying hedge positions for a counterparty 
are out-of-the-money to NRG, the counterparty would have claim under the first lien program.  The first lien program limits the
volume that can be hedged, not the value of underlying out-of-the-money positions.  The first lien program does not require NRG 
to post collateral above any threshold amount of exposure.  Within the first lien structure, the Company can hedge up to 80% of
its coal and nuclear capacity, excluding GenOn coal capacity, and 10% of its other assets, excluding GenOn's other assets, with
these counterparties for the first 60 months and then declining thereafter.  Net exposure to a counterparty on all trades must be 
positively correlated to the price of the relevant commodity for the first lien to be available to that counterparty.  The first lien 
structure is not subject to unwind or termination upon a ratings downgrade of a counterparty and has no stated maturity date.

The Company's first lien counterparties may have a claim on its assets to the extent market prices exceed the hedged prices.  

As of December 31, 2015, all hedges under the first liens were in-the-money on a counterparty aggregate basis.

The following table summarizes the amount of MW hedged against the Company's coal and nuclear assets and as a percentage 

relative to the Company's coal and nuclear capacity under the first lien structure as of December 31, 2015: 

Equivalent Net Sales Secured by First Lien Structure (a)
In MW (b)
As a percentage of total net coal and nuclear capacity (c)
(a)  Equivalent Net Sales include natural gas swaps converted using a weighted average heat rate by region.
(b)  2016 MW value consists of February through December positions only.
(c)  Net coal and nuclear capacity represents 80% of the Company's total coal and nuclear assets eligible under the first lien, which excludes coal assets 
acquired in the GenOn  and EME (including Midwest Generation) acquisitions, assets in NRG Yield, Inc. and NRG's assets that have project-level 
financing.

2016
2,488

936
16%

95
2%

43%

2017

2018

2019

—
—%

Uses of Liquidity

The Company's requirements for liquidity and capital resources, other than for operating its facilities, can generally be 
categorized  by  the  following:  (i) commercial  operations  activities;  (ii) debt  service  obligations,  as  described  more  fully  in 
Item 15 — Note  12,  Debt  and  Capital  Leases,  to  the  Consolidated  Financial  Statements;  (iii) capital  expenditures,  including 
repowering and renewable development, and environmental; and (iv) allocations in connection with the Capital Allocation Program 
including acquisitions, debt repayments, return of capital and dividend payments to stockholders, as described in Item 15 — Note 
15, Capital Structure, to the Consolidated Financial Statements.

91

Commercial Operations

The  Company's  commercial  operations  activities  require  a  significant  amount  of  liquidity  and  capital  resources. These 
liquidity requirements are primarily driven by: (i) margin and collateral posted with counterparties; (ii) margin and collateral 
required to participate in physical markets and commodity exchanges; (iii) timing of disbursements and receipts (i.e. buying fuel 
before receiving energy revenues); (iv) initial collateral for large structured transactions; and (v) collateral for project development.  
As of December 31, 2015, commercial operations had total cash collateral outstanding of $568 million, and $768 million outstanding 
in letters of credit to third parties primarily to support its commercial activities for both wholesale and retail transactions (includes 
a $37 million letter of credit relating to deposits at the PUCT that cover outstanding customer deposits and residential advance 
payments).   As of December 31, 2015, total collateral held from counterparties was $106 million in cash, and $184 million of 
letters of credit.

 Future liquidity requirements may change based on the Company's hedging activities and structures, fuel purchases, and 
future market conditions, including forward prices for energy and fuel and market volatility. In addition, liquidity requirements 
are dependent on the Company's credit ratings and general perception of its creditworthiness.

92

Debt Service Obligations

Principal payments on debt and capital leases as of December 31, 2015, are due in the following periods: 

Description

2016

2017

2018

2019

2020

Thereafter

Total

(In millions)

NRG Recourse Debt:
Senior notes, due 2018
Senior notes, due 2020
Senior notes, due 2021
Senior notes, due 2022
Senior notes, due 2023
Senior notes, due 2024
Term loan facility, due 2018
Tax-exempt bonds

Subtotal NRG Recourse Debt

NRG Non-Recourse Debt:
GenOn senior notes
GenOn Americas Generation senior notes
GenOn Other

Subtotal GenOn debt (non-recourse to NRG)

Yield Operating LLC Senior Notes, due 2024

Yield LLC and Yield Operating LLC Revolving Credit
Facility, due 2019
Yield Inc. Convertible Senior Notes, due 2019
Yield Inc. Convertible Senior Notes, due 2020
El Segundo Energy Center, due 2023
Marsh Landing, due 2017 and 2023
Alta Wind I-V lease financing arrangements, due 2034

and 2035

Walnut Creek, term loans due 2023
Tapestry, due 2021
Laredo Ridge, due 2028
Alpine, due 2022

Energy Center Minneapolis, due 2017 and 2025
Viento, due 2023
Yield Other

Subtotal NRG Yield debt (non-recourse to NRG)

Ivanpah, due 2033 and 2038
Agua Caliente, due 2037
CVSR, due 2037
Dandan, due 2033
Peaker bonds, due 2019
Cedro Hill, due 2025
NRG Other

Subtotal other NRG non-recourse debt

Subtotal all non-recourse debt

Subtotal long-term debt

Capital Leases:
Home Solar capital leases
Other

Subtotal NRG Capital Leases
Total Debt and Capital Leases

$ — $
—
—
—
—
—
20
—
20

$

— $ 1,039
—
—
—
—
—
—
—
—
—
—
1,927
20
—
—
2,966
20

— $
—
—
—
—
—
—
—
—

— $

1,058
—
—
—
—
—
—
1,058

— $ 1,039
1,058
—
1,128
1,128
1,100
1,100
936
936
904
904
1,967
—
455
455
8,587
4,523

—
—
4
4
—

—
—
—
42
48

37
41
9
5
9

12
11
27
241
37
30
23
20
33
6
66
215

460

480

3
1
4
484

$

692
—
4
696
—

—
—
—
43
52

39
43
10
5
9

13
13
25
252
39
31
25
4
35
10
37
181

649
—
4
653
—

—
—
—
48
55

40
45
11
5
8

7
16
25
260
40
32
26
4
8
10
5
125

—
—
3
3
—

306
345
—
49
57

42
47
11
5
8

11
18
28
927
42
33
24
4
—
9
7
119

489
—
4
493
—

—
—
287
53
60

44
49
11
6
8

11
16
68
613
44
34
21
4
—
11
9
123

1,129

1,149

1,038

4,004

1,049

1,049

1,229

2,287

3
1
4
$ 1,153

3
1
4
$ 4,008

3
—
3
$ 1,052

1
—
1
$ 2,288

$

—
695
37
732
500

—
—
—
250
146

800
126
129
78
112

54
115
296
2,606
947
719
674
62
—
57
191
2,650

5,988

10,511

—
—
—
10,511

1,830
695
56
2,581
500

306
345
287
485
418

1,002
351
181
104
154

108
189
469
4,899
1,149
879
793
98
76
103
315
3,413

10,893

19,480

13
3
16
19,496

In addition to the debt and capital leases shown in the above table, NRG had issued $1.1 billion of letters of credit under 

the Company's $2.5 billion Revolving Credit Facility as of December 31, 2015.

93

 
 
 
 
 
Capital Expenditures

The following tables and descriptions summarize the Company's capital expenditures for maintenance, environmental, and 
growth investments, for the year ended December 31, 2015, and the estimated capital expenditure and growth investments forecast 
for 2016. 

Maintenance

Environmental

Growth
Investments

Total

(In millions)

NRG Business
Gulf Coast
East
West
B2B

NRG Home Retail
NRG Home Solar
NRG Renew
NRG Yield
Corporate

$

Total cash capital expenditures for the year ended 

December 31, 2015, net of financings

Other investments(a)
Funding from debt financing and NRG Yield, Inc. equity issuance,
net of fees
Funding from third party equity partners and cash grants

Total capital expenditures and investments, net of financings

Estimated capital expenditures for 2016
Other investments
Funding from debt financing, net of fees
Funding from third party equity partners and cash grants

NRG estimated capital expenditures for 2016, net of financings

$

193
155
5
5
30
5
11
20
37

461
—

—
(33)
428

460
—
—
—
460

$

$

65
209
—
—
—
—
—
—
—

274
—

(37)
—
237

304
—
—
—
304

$

$

$

20
94
25
1
—
135
208
9
56

548
506

(409)
(188)
457

694
61
(315)
(4)
436

$

278
458
30
6
30
140
219
29
93

1,283
506

(446)
(221)
1,122

1,458
61
(315)
(4)
1,200

(a) Other investments include restricted cash activity and $285 million for the acquisition of a 25% interest in the Desert Sunlight Solar Farm.

•  Environmental capital expenditures — For the year ended December 31, 2015, the Company's environmental capital 
expenditures included DSI/ESP upgrades at the Avon Lake, Powerton and Waukegan facilities and the Joliet gas conversion 
to satisfy IL CPS; controls to satisfy MATS and the NSR settlement at the Big Cajun II facility; mercury controls at the 
W.A. Parish facility; and  NOx controls for the Sayreville and Gilbert facilities. 

•  Growth Investments capital expenditures — For the year ended December 31, 2015, the Company's growth investment 
capital expenditures included $343 million for solar projects, $94 million for fuel conversions, $45 million for repowering 
projects, $9 million for thermal projects and $57 million for the Company's other growth projects. 

Environmental Capital Expenditures Estimate

NRG estimates that environmental capital expenditures from 2016 through 2020 required to comply with environmental 
laws will be approximately $350 million, which includes $68 million for GenOn and $263 million for Midwest Generation. These 
costs, the majority of which will be expended by the end of 2016, are primarily associated with (i) DSI/ESP upgrades at the 
Powerton facility and the Joliet gas conversion to satisfy the IL CPS and (ii) MATS compliance at the Avon Lake facility.

In connection with the acquisition of EME, as further described in Item 15 —Note 3, Business Acquisitions and Dispositions, 
to the Consolidated Financial Statements, NRG committed to fund up to $350 million in capital expenditures for plant modifications 
at  Powerton  and  Joliet  to  comply  with  environmental  regulations.  The  expected  costs  of  these  projects  are  included  in  the 
environmental capital expenditures detailed above. 

94

 
The table below summarizes the status of NRG's coal fleet with respect to air quality controls.  Planned investments are 
either in construction or budgeted in the existing capital expenditures budget.  Changes to regulations could result in changes to 
planned installation dates.  NRG uses an integrated approach to fuels, controls and emissions markets to meet environmental 
standards.

Units (a)

State

Control
Equipment

Install
Date

Control
Equipment

Install
Date

Control
Equipment

Install
Date

Control
Equipment

Install Date

SO2

NOx

Mercury

Particulate

ESP/upgrade

1970/2016

ESP/upgrade

1981/2015

Gas
Conversion

2015

ESP/upgrade

1983/2015

ESP/upgrade

1964/1980

ESP/upgrade

1964/1980

ESP

ESP

ESP/FF

1970

1970, 1971

1959,1960,
1962/2003

FF

2009

ESP/FF

1980/2011

Gas
Conversion

Gas
Conversion

ESP

ESP

ESP

2016

2016

1967, 1968

1985-1986

1970, 1971

ESP/upgrade

1973/2016

ESP/upgrade

1976/2014

FF

FF

2008

ESP/upgrade

2008

ESP/upgrade

2009

ESP/upgrade

1988

1988

1958/2002,
2014

1962/1999,
2015

1963,72/
2000

Avon 9

Big Cajun II 1

Big Cajun II 2

Big Cajun II 3

Chalk Point 1

Chalk Point 2

Cheswick 1

Conemaugh 1-2

Dickerson 1-3

Huntley 67-68

Indian River 4

Joliet 6

Joliet 7,8

Keystone 1-2

Limestone 1-2

Morgantown 1-2

Powerton 5

Powerton 6

W.A. Parish 5, 6, 7

W.A. Parish 8(b)

Waukegan 7

Waukegan 8

Will County 4

OH

LA

LA

LA

MD

MD

PA

PA

MD

NY

DE

IL

IL

PA

TX

MD

IL

IL

TX

TX

IL

IL

IL

DSI

DSI

Gas
Conversion

PAL

FGD

FGD

FGD

FGD

FGD

DSI/FF

CDS

Gas
Conversion

Gas
Conversion

FGD

FGD

FGD

DSI

DSI

FF co-
benefit

FGD

DSI

DSI

2016

2015

2015

2013

2009

2009

2010

1994, 95

2009

2009

2011

LNBOFA

LNBOFA/
SNCR
LNBOFA/
SNCR
LNBOFA/
SNCR

SCR

SACR

SCR

SCR

SNCR

LNBOFA/
SNCR
LNBOFA/
SCR

2004

ACI/ESP

2005/2014

ACI

2004/2014

Gas
Conversion

2002/2014

ACI

2008

2006

2003

2014

2009

FGD/ESP

FGD/ESP

FGD/ESP

FGD/ESP/
SCR

FGD/FF

1995/2009

1999/2011

ACI

ACI

2016

OFA/SNCR

2000/2012

2016

2009

LNBOFA/
SNCR

2000,01/
2012

SCR

2003

Gas
Conversion

Gas
Conversion

FGD/ESP/
SCR

1985-86

LNBOFA/
SNCR

2002/2022,
2023

ACI

SCR

2007-2008

FGD/ESP

2009

2016

2014

1988

1982

OFA/SNCR

2003/2012

OFA/SNCR

2002/2012

SCR

SCR

2004

2004

2002

2014

LNBOFA

ACI

ACI

ACI

ACI

ACI

ACI

ACI

2015

LNBOFA

1999

None

None

LNBOFA/
SNCR

1999,2001/
2012

2016

2015

2015

2015

2009

2009

2010

1994,95/
2014

2009

2009

2008

2016

2016

2003

2015

2009

2009

2009

2015

2015

(a) NRG plans to add natural gas capabilities at its New Castle, Shawville, and Joliet facilities in 2016, 
(b) Unit expected to be converted into a cogeneration facility to provide power and steam to the Petra Nova CCF.

ACI -  Activated Carbon Injection
CDS - Circulating Dry Scrubber
DSI - Dry Sorbent Injection with Trona
ESP - Electrostatic Precipitator
FGD - Flue Gas Desulfurization (wet)
FF- Fabric Filter

FBL - Fluidized Bed Limestone Injection
LNBOFA - Low NOx Burner with Overfire Air
PAL - Plantwide Applicability Limit 
SCR - Selective Catalytic Reduction
SACR - Selective Auto-Catalytic Reduction
SNCR - Selective Non-Catalytic Reduction

95

The following table summarizes the estimated environmental capital expenditures for the referenced periods by region:

Gulf Coast

East - Legacy
NRG

East - GenOn

East - MWG

Total

2016
2017
2018
2019
2020
Total

$

$

— $
—
—
7
10
17

$

(in millions)
62
—
—
1
5
68

— $
—
1
—
—
1

$

$

$

242
6
8
—
8
264

$

$

304
6
9
8
23
350

NRG's current contracts with the Company's rural electrical customers in the Gulf Coast region allow for recovery of a 
portion of the regions' capital costs once in operation, along with a capital return incurred by complying with any change in law, 
including interest over the asset life of the required expenditures.  The actual recoveries will depend, among other things, on the 
timing of the completion of the capital projects and the remaining duration of the contracts.

Common Stock Dividends

The following table lists the dividends paid during 2015:

Dividends per Common Share

$

0.145

$

0.145

$

0.145

$

0.145

Fourth Quarter
2015

Third Quarter
2015

Second Quarter
2015

First Quarter
2015

On January 18, 2016, NRG declared a quarterly dividend on the Company's common stock of $0.145 per share, or $0.58 
per share on an annualized basis, payable on February 16, 2016, to stockholders of record as of February 1, 2016.  The Company's 
common stock dividends are subject to available capital, market conditions, and compliance with associated laws and regulations.   
On February 29, 2016, the Company announced a reduction in its common stock dividend to $0.12 per share on an annualized 
basis.

Preferred Stock Dividend Payments

For the year ended December 31, 2015, NRG paid $9 million in dividend payments to holders of the Company's 2.822% 

Preferred Stock. 

Capital Allocation Program

The Company‘s plan to allocate capital during 2016 is as follows:

•  Debt Reduction. The Company expects to allocate approximately seventy five percent (75%) of its capital available for 
allocation during 2016 to additional debt repurchases.  The Company may complete this action through cash purchases, 
exchange  offers,  privately  negotiated  transactions  or  otherwise,  depending  on  prevailing  market  conditions,  the 
Company’s liquidity requirements and other factors.  

•  Growth Investments.  The Company intends to use a portion of capital available for allocation during 2016 to complete 

its fuel repowerings, conversions and renewable investments. 

•  Common Stock Dividends.  On February 29, 2016, the Company announced a reduction in its common stock dividend 
to $0.12 per share on an annualized basis.  The decision to reduce the common stock dividend is a proactive measure 
taken by the Company in order to reallocate capital in accordance with the priorities set forth in this section. 

The Company will continue to monitor market conditions in light of the Company’s 2016 Capital Allocation Program to 

determine if adjustments are necessary in the future. 

96

 
Share Repurchases

The following table shows the Company's share repurchases under the 2015 Capital Allocation Program. The purchases of 
common stock were made using cash on hand. Under the Company's 2016 Capital Allocation Program, the Company has not 
allocated capital for any additional share repurchases at this time.

Board Authorized Share
Repurchases

(in millions, except share and
per share data)

Amount
Authorized

Repurchases

Q4 2014

Q1 2015

Q2 2015

Q3 2015

Q4 2015

Total Repurchases
through December
31, 2015

Initial Phase (authorized Q4
2014)

Second Phase (authorized Q1
2015)

Supplemental (authorized Q2
2015)

Reset (authorized Q3 2015)

$

100 $

44 $

56 $

— $

— $

— $

100

81

200

—

—

—

23

—

—

77

30

—

—

51

116

—

—

84

Total

$

481 $

44 $

79 $

107 $

167 $

84 $

100

100

81

200

481

Average price per share

Shares repurchased

Quarterly dividends

Total capital returned to
shareholders

Debt Reduction 

$

26.95 $

25.15 $

24.53 $

15.06 $

15.03 $

18.64

1,624,360
$

47 $

3,146,484

4,379,907

11,104,184

5,558,920

49 $

48 $

48 $

46 $

25,813,855
238

$

91 $

128 $

155 $

215 $

130 $

719

The following table lists the repurchases of senior notes in 2015 in open market transactions: 

Senior Note Repurchases

NRG Energy, Inc.
7.625% senior notes due 2018
8.250% senior notes due 2020
6.625% senior notes due 2023
6.6250% senior notes due 2024
GenOn Energy, Inc.
7.875% senior notes due 2017
9.500% senior notes due 2018
9.875% senior notes due 2020
GenOn Americas Generation LLC
8.500% senior notes due 2021
9.125% senior notes due 2031

(a) 

Includes accrued interest. 

Principal Redeemed
(in millions)

Cash Paid (a)  
(in millions)

Average early redemption percentage

$

$

$

92
5
54
95

33
25
61

84
71
520

$

97
5
82
47

33
23
52

73
55
467

102.23%
96.50%
85.97%
84.73%

95.17%
90.95%
83.85%

84.91%
77.02%

Subsequent to year-end and through February 29, 2016, the Company repurchased an additional $171 million in aggregate 

principal of NRG Energy, Inc. senior notes.

97

Fuel Repowerings and Conversions

The table below lists the Company's currently projected repowering and conversion projects. With respect to facilities that 
are currently operating, the timing of the projects listed below could adversely impact the Company's operating revenues, gross
margin and other operating costs during the period prior to the targeted COD.

Facility

Fuel Conversions(a)
Joliet Units 6, 7 and 8(b)
New Castle Units 3, 4 and 5

Shawville Units 1, 2, 3 and 4

Total

Repowerings

Carlsbad Peakers (formerly Encina) Units 1, 2, 3, 
4, 5 and GT(c)
Puente (formerly Mandalay) Units 1 and 2(c)

Cielo Lindo (formerly P.H. Robinson) Peakers 1-6

Total

Total Fuel Repowerings and Conversions

Net Generation
Capacity (MW)

Project Type

Fuel Type

Targeted COD

Environmental

Growth

Growth

Natural Gas

Natural Gas

Natural Gas

Summer 2016

Summer 2016

Fall 2016

Growth

Growth

Growth

Natural Gas

Natural Gas

Natural Gas

Winter 2018

Summer 2020

Summer 2016

1,326

325

597

2,248

527

262

360

1,149

3,397

(a) Does not include the natural gas conversions of Dunkirk Units 2, 3 and 4, which are on hold pending the outcome of outstanding litigation. 

(b) The Company has incurred and will incur environmental capital expenditures to switch to gas to satisfy MATS. 

(c) Projects are subject to applicable regulatory approvals and permits.

98

Cash Flow Discussion

2015 compared to 2014 

The following table reflects the changes in cash flows for the comparative years: 

(In millions)
Net cash provided by operating activities

Net cash used by investing activities

Net cash (used by)/provided by financing activities

Net Cash Provided By Operating Activities

Changes to net cash provided by operating activities were driven by:

Changes in working capital

Increase in operating income adjusted for non-cash items

Change in cash collateral in support of risk management activities

Net Cash Used By Investing Activities

Changes to net cash used by investing activities were driven by:

Year ended December 31,

2015

2014

Change

$

$

1,309
(1,485)
(432)

1,510
(2,903)
1,265

$

$

$

Decrease in cash paid for acquisitions, due primarily to the acquisitions of EME and Alta Wind in 2014

$

Decrease in cash grants, primarily reflecting the 2014 receipt of the CVSR cash grant

Increase in capital expenditures related to maintenance and environmental projects

Increase in equity investments, primarily related to 25% investment in Desert Sunlight in 2015
Decrease in proceeds from sale of assets, due to the sales of Kendall, Bayou Cove and 50% of the Company's

interest in Petra Nova in 2014

Decrease in restricted cash
Cash proceeds to fund cash grant bridge loan payment in 2014
Other

Net Cash (Used)/Provided By Financing Activities

Changes in net cash provided by financing activities were driven by:

 Net decrease in borrowing, offset by debt payments which primarily reflects the issuance of the  2021 and
2024 Senior Notes in 2014

Increase in repurchase of treasury stock

Decrease in cash contributions from noncontrolling interest

Decrease in proceeds from issuance of common stock

Increase in payments of dividends

Increase in contingent consideration payments

Increase in financing element of acquired derivatives

Decrease in cash paid for deferred financing costs

$

$

$

99

(201)
1,418
(1,697)

365
(39)
(527)
(201)

2,905
(834)
(374)
(301)

(167)
192
(57)
54
1,418

(1,331)
(398)
(172)

(20)
(5)
(4)
187

46
(1,697)

Year ended December 31,

2014

2013

Change

$

$

1,510
(2,903)
1,265

$

1,270
(2,528)
1,427

240
(375)
(162)

2014 compared to 2013 

The following table reflects the changes in cash flows for the comparative years: 

(In millions)
Net cash provided by operating activities

Net cash used by investing activities

Net cash provided by financing activities

Net Cash Provided By Operating Activities

Changes to net cash provided by operating activities were driven by:

Increase in operating income adjusted for non-cash items

Change in cash paid in support of risk management activities

Other changes in working capital

Net Cash Used By Investing Activities

Changes to net cash used by investing activities were driven by:

Increase in cash paid for acquisitions, primarily related to the EME and Alta Wind acquisitions

Decrease in capital expenditures due to decreased spending on growth projects

Increase in proceeds from renewable energy grants

Proceeds from the sale of assets

Increase in restricted cash
Proceeds for payment of cash grant bridge loan
Other

$

$

$

$

338

193
(291)
240

(2,442)
1,078

861

155
(101)
57
17
(375)

Net Cash Provided By Financing Activities

Changes in net cash provided by financing activities were driven by:

Net increase in borrowings, primarily due to the issuance of the 2022 and 2024 Senior Notes

$

2,786

Net increase in debt payments primarily due to the redemption of 2019 Senior Notes and the repayment of the

cash grant bridge loans

Decrease in financing element of acquired derivatives

Cash contributions from noncontrolling interests

Increase in cash paid for debt issuance costs

Increase in payment of dividends

Contingent consideration payments

Prior year repurchase of treasury shares, offset by increase in issuance of common shares

(2,892)

(258)

288

(17)

(42)

(18)
(9)
(162)

100

NOLs, Deferred Tax Assets and Uncertain Tax Position Implications, under ASC 740

As of December 31, 2015, the Company had domestic pre-tax book loss of $5,105 million and foreign pre-tax book income 
of $11 million.  For the year ended December 31, 2015, the Company generated an NOL of $263 million which is available to 
offset  taxable  income  in  future  periods.   As  of  December 31,  2015,  the  Company  has  cumulative  domestic  Federal  NOL 
carryforwards of $4.0 billion which will begin expiring in 2026 and cumulative state NOL carryforwards of $4.2 billion for financial 
statement purposes.  In addition, NRG has cumulative foreign NOL carryforwards of $202 million, which do not have an expiration 
date.  As a result of the Company's tax position, and based on current forecasts, the Company anticipates income tax payments, 
primarily due to state and local jurisdictions, of up to $40 million in 2016. 

In addition to these amounts, the Company has $32 million of tax effected uncertain tax benefits for which the Company 
has recorded a non-current tax liability of $35 million until such final resolution with the related taxing authority. The $35 million 
non-current tax liability for uncertain tax benefits is from positions taken on various state returns, including accrued interest.

The Company is no longer subject to U.S. federal income tax examinations for years prior to 2012.  With few exceptions, 

state and local income tax examinations are no longer open for years before 2009.

Off-Balance Sheet Arrangements

Obligations under Certain Guarantee Contracts

NRG and certain of its subsidiaries enter into guarantee arrangements in the normal course of business to facilitate commercial 
transactions with third parties. These arrangements include financial and performance guarantees, stand-by letters of credit, debt 
guarantees, surety bonds and indemnifications. See also Item 15 — Note 26, Guarantees, to the Consolidated Financial Statements 
for additional discussion.

Retained or Contingent Interests

NRG does not have any material retained or contingent interests in assets transferred to an unconsolidated entity.

Derivative Instrument Obligation

The  Company's  2.822%  Preferred  Stock  includes  a  feature  which  is  considered  an  embedded  derivative  per ASC  815. 
Although it is considered an embedded derivative, it is exempt from derivative accounting as it is excluded from the scope pursuant 
to ASC 815. As of December 31, 2015, based on the Company's stock price, the embedded derivative was out-of-the-money and 
had no redemption value.  See also Item 15 — Note 15, Capital Structure, to the Consolidated Financial Statements for additional 
discussion.

Obligations Arising Out of a Variable Interest in an Unconsolidated Entity

Variable interest in Equity investments — As of December 31, 2015, NRG has several investments with an ownership interest 
percentage of 50% or less in energy and energy-related entities that are accounted for under the equity method of accounting. 
Several of these investments are variable interest entities for which NRG is not the primary beneficiary.

NRG's  pro-rata  share  of  non-recourse  debt  held  by  unconsolidated  affiliates  was  approximately  $621  million  as  of 
December 31, 2015.  This indebtedness may restrict the ability of these subsidiaries to issue dividends or distributions to NRG. 
See also Item 15 — Note 16, Investments Accounted for by the Equity Method and Variable Interest Entities, to the Consolidated 
Financial Statements for additional discussion.

101

Contractual Obligations and Commercial Commitments

NRG has a variety of contractual obligations and other commercial commitments that represent prospective cash requirements 
in addition to the Company's capital expenditure programs. The following tables summarize NRG's contractual obligations and 
contingent  obligations  for  guarantees.  See  also  Item 15 — Note  12,  Debt  and  Capital  Leases,  Note  22,  Commitments  and 
Contingencies, and Note 26, Guarantees, to the Consolidated Financial Statements for additional discussion.

Contractual Cash Obligations

Long-term debt (including estimated interest)
Capital lease obligations (including estimated

interest)

Operating leases

Fuel purchase and transportation obligations

Fixed purchased power commitments
Pension minimum funding requirement (b)
Other postretirement benefits minimum funding 

requirement (c)
Other liabilities (d)
Total

By Remaining Maturity at December 31,

2015

Under
1 Year

1-3 Years

3-5 Years

Over
5 Years

Total (a)

2014 Total

(In millions)

$

1,607

$

7,201

$

4,843

$ 13,387

$ 27,038

$ 28,422

4

341

887

50

30

12

201

8

520

556

19

101

19

135

4

484

343

1

172

20

138

1

1,367

549

—

149

51

517

17

2,712

2,335

70

452

102

991

8

2,955

2,621

66

438

148

981

$

3,132

$

8,559

$

6,005

$ 16,021

$ 33,717

$ 35,639

(a)  Excludes $34 million non-current payable relating to NRG's uncertain tax benefits under ASC 740 as the period of payment cannot be reasonably 

estimated. Also excludes $945 million of asset retirement obligations which are discussed in Item 15 — Note 13, Asset Retirement Obligations, to the 
Consolidated Financial Statements.

(b)  These amounts represent the Company's estimated minimum pension contributions required under the Pension Protection Act of 2006. These amounts 

represent estimates that are based on assumptions that are subject to change.

(c)  These amounts represent estimates that are based on assumptions that are subject to change. The minimum required contribution for years after 2020 are 

currently not available.
Includes water right agreements, service and maintenance agreements, stadium naming rights, LTSA commitments and other contractual obligations.

(d) 

Guarantees

Letters of credit and surety bonds
Asset sales guarantee obligations
Other guarantees
Total guarantees

By Remaining Maturity at December 31,

2015

Under
1 Year

1-3 Years

3-5 Years

Over
5 Years

Total

2014 Total

$

$

1,805
—
—
1,805

$

$

92
—
1
93

$

$

(In millions)
— $
257
—
257

$

2
—
721
723

$

$

1,899
257
722
2,878

$

$

1,914
292
1,174
3,380

102

 
 
 
Fair Value of Derivative Instruments

NRG  may  enter  into  power  purchase  and  sales  contracts,  fuel  purchase  contracts  and  other  energy-related  financial 
instruments to mitigate variability in earnings due to fluctuations in spot market prices and to hedge fuel requirements at generation 
facilities or retail load obligations. In addition, in order to mitigate interest rate risk associated with the issuance of the Company's 
variable rate and fixed rate debt, NRG enters into interest rate swap agreements.

NRG's trading activities are subject to limits in accordance with the Company's Risk Management Policy. These contracts 
are recognized on the balance sheet at fair value and changes in the fair value of these derivative financial instruments are recognized 
in earnings.

The tables below disclose the activities that include both exchange and non-exchange traded contracts accounted for at fair 
value in accordance with ASC 820, Fair Value Measurements and Disclosures, or ASC 820. Specifically, these tables disaggregate 
realized and unrealized changes in fair value; disaggregate estimated fair values at December 31, 2015, based on their level within 
the fair value hierarchy defined in ASC 820; and indicate the maturities of contracts at December 31, 2015.  For a full discussion 
of the Company's valuation methodology of its contracts, see Derivative Fair Value Measurements in Item 15 — Note 4, Fair 
Value of Financial Instruments, to the Consolidated Financial Statements.

Derivative Activity Gains/(Losses)
Fair value of contracts as of December 31, 2014
Contracts realized or otherwise settled during the period
Changes in fair value
Fair value of contracts as of December 31, 2015

(In millions)
413
$
(363)
(44)
6

$

Fair Value of Contracts as of December 31, 2015

Maturity

Fair value hierarchy Gains/(Losses)

1 Year or Less

Greater Than 1
Year to 3 Years

Greater Than 3
Years to 5
Years

(In millions)

Greater Than
5 Years

Total Fair
Value

Level 1
Level 2
Level 3
Total

$

$

(97) $
317
(26)
194

$

(129) $
(2)
(5)
(136) $

(20) $
(16)
(1)
(37) $

— $
(14)
(1)
(15) $

(246)
285
(33)
6

The Company has elected to disclose derivative assets and liabilities on a trade-by-trade basis and does not offset amounts 
at the counterparty master agreement level. Also, collateral received or paid on the Company's derivative assets or liabilities are 
recorded on a separate line item on the balance sheet. Consequently, the magnitude of the changes in individual current and non-
current derivative assets or liabilities is higher than the underlying credit and market risk of the Company's portfolio. As discussed 
in Item 7A — Quantitative and Qualitative Disclosures About Market Risk, Commodity Price Risk, NRG measures the sensitivity 
of the Company's portfolio to potential changes in market prices using VaR, a statistical model which attempts to predict risk of 
loss based on market price and volatility. NRG's risk management policy places a limit on one-day holding period VaR, which 
limits  the  Company's  net  open  position.   As  the  Company's  trade-by-trade  derivative  accounting  results  in  a  gross-up  of  the 
Company's derivative assets and liabilities, the net derivative assets and liability position is a better indicator of NRG's hedging 
activity.  As of December 31, 2015, NRG's net derivative asset was $6 million, a decrease to total fair value of $407 million as 
compared to December 31, 2014.  This decrease was primarily driven by the roll-off of trades that settled during the period and
losses in fair value.

Based on a sensitivity analysis using simplified assumptions, the impact of a $0.50 per MMBtu increase in natural gas prices 
across the term of the derivative contracts would result in a decrease of approximately $414 million in the net value of derivatives 
as of December 31, 2015.

The impact of a $0.50 per MMBtu decrease in natural gas prices across the term of the derivative contracts would result 

in an increase of approximately $392 million in the net value of derivatives as of December 31, 2015.

103

Critical Accounting Policies and Estimates

NRG's discussion and analysis of the financial condition and results of operations are based upon the consolidated financial 
statements, which have been prepared in accordance with U.S. GAAP. The preparation of these financial statements and related 
disclosures in compliance with U.S. GAAP requires the application of appropriate technical accounting rules and guidance as well 
as the use of estimates and judgments that affect the reported amounts of assets, liabilities, revenues and expenses, and related 
disclosures  of  contingent  assets  and  liabilities. The  application  of  these  policies  involves  judgments  regarding  future  events, 
including the likelihood of success of particular projects, legal and regulatory challenges, and the fair value of certain assets and 
liabilities. These judgments, in and of themselves, could materially affect the financial statements and disclosures based on varying 
assumptions, which may be appropriate to use. In addition, the financial and operating environment may also have a significant 
effect, not only on the operation of the business, but on the results reported through the application of accounting measures used 
in preparing the financial statements and related disclosures, even if the nature of the accounting policies have not changed.

On  an  ongoing  basis,  NRG  evaluates  these  estimates,  utilizing  historic  experience,  consultation  with  experts  and  other 
methods the Company considers reasonable. In any event, actual results may differ substantially from the Company's estimates. 
Any effects on the Company's business, financial position or results of operations resulting from revisions to these estimates are 
recorded in the period in which the information that gives rise to the revision becomes known.

NRG's significant accounting policies are summarized in Item 15 — Note 2, Summary of Significant Accounting Policies, 
to the Consolidated Financial Statements. The Company identifies its most critical accounting policies as those that are the most 
pervasive and important to the portrayal of the Company's financial position and results of operations, and that require the most 
difficult, subjective and/or complex judgments by management regarding estimates about matters that are inherently uncertain.

Accounting Policy
Derivative Instruments

Income Taxes and Valuation Allowance for Deferred Tax Assets

Impairment of Long Lived Assets

Goodwill and Other Intangible Assets

Contingencies

Judgments/Uncertainties Affecting Application
Assumptions used in valuation techniques
Assumptions used in forecasting generation
Assumptions used in forecasting borrowings
Market maturity and economic conditions
Contract interpretation
Market conditions in the energy industry, especially the
effects of price volatility on contractual commitments
Ability to be sustained upon audit examination of taxing
authorities
Interpret existing tax statute and regulations upon
application to transactions
Ability to utilize tax benefits through carry backs to prior
periods and carry forwards to future periods
Recoverability of investment through future operations
Regulatory and political environments and requirements
Estimated useful lives of assets
Environmental obligations and operational limitations
Estimates of future cash flows
Estimates of fair value
Judgment about triggering events indicating impairment
Estimated useful lives for finite-lived intangible assets
Judgment about impairment triggering events
Estimates of reporting unit's fair value
Fair value estimate of intangible assets acquired in
business combinations
Estimated financial impact of event(s)
Judgment about likelihood of event(s) occurring
Regulatory and political environments and requirements

104

Derivative Instruments

The Company follows the guidance of ASC 815 to account for derivative instruments. ASC 815 requires the Company to 
mark-to-market all derivative instruments on the balance sheet and recognize changes in the fair value of non-hedge derivative 
instruments immediately in earnings.  In certain cases, NRG may apply hedge accounting to the Company's derivative instruments. 
The criteria used to determine if hedge accounting treatment is appropriate are: (i) the designation of the hedge to an underlying 
exposure; (ii) whether the overall risk is being reduced; and (iii) if there is a correlation between the changes in fair value of the 
derivative instrument and the underlying hedged item.  Changes in the fair value of derivatives instruments accounted for as hedges 
are either recognized in earnings as an offset to the changes in the fair value of the related hedged item, or deferred and recorded 
as a component of OCI and subsequently recognized in earnings when the hedged transactions occur.

For purposes of measuring the fair value of derivative instruments, NRG uses quoted exchange prices and broker quotes.  
When external prices are not available, NRG uses internal models to determine the fair value.  These internal models include 
assumptions of the future prices of energy commodities based on the specific market in which the energy commodity is being 
purchased or sold, using externally available forward market pricing curves for all periods possible under the pricing model.  In 
order to qualify derivative instruments for hedged transactions, NRG estimates the forecasted generation and forecasted borrowings 
for interest rate swaps occurring within a specified time period. Judgments related to the probability of forecasted generation 
occurring are based on available baseload capacity, internal forecasts of sales and generation, and historical physical delivery on 
similar contracts.  Judgments related to the probability of forecasted borrowings are based on the estimated timing of project 
construction, which can vary based on various factors.  The probability that hedged forecasted generation and forecasted borrowings 
will occur by the end of a specified time period could change the results of operations by requiring amounts currently classified 
in OCI to be reclassified into earnings, creating increased variability in the Company's earnings.  These estimations are considered 
to be critical accounting estimates.

Certain derivative instruments that meet the criteria for derivative accounting treatment also qualify for a scope exception 
to derivative accounting, as they are considered to be NPNS.  The availability of this exception is based upon the assumption that 
NRG has the ability and it is probable to deliver or take delivery of the underlying item.  These assumptions are based on available 
baseload capacity, internal forecasts of sales and generation and historical physical delivery on contracts.  Derivatives that are 
considered to be NPNS are exempt from derivative accounting treatment and are accounted for under accrual accounting.  If it is 
determined that a transaction designated as NPNS no longer meets the scope exception due to changes in estimates, the related 
contract would be recorded on the balance sheet at fair value combined with the immediate recognition through earnings.

Income Taxes and Valuation Allowance for Deferred Tax Assets

As of December 31, 2015, NRG had a valuation allowance of $3,575 million.  This amount is comprised of domestic federal 
net deferred tax assets of approximately $2,973 million, domestic state net deferred tax assets of $542 million, foreign net operating 
loss carryforwards of $59 million, and foreign capital loss carryforwards of approximately $1 million.  The Company believes it 
is more likely than not that the results of future operations will not generate sufficient taxable income which includes the future 
reversal of existing taxable temporary differences to realize deferred tax assets, requiring a valuation allowance to be recorded.

NRG continues to be under audit for multiple years by taxing authorities in other jurisdictions.  Considerable judgment is 
required to determine the tax treatment of a particular item that involves interpretations of complex tax laws.  NRG is subject to 
examination  by  taxing  authorities  for  income  tax  returns  filed  in  the  U.S.  federal  jurisdiction  and  various  state  and  foreign 
jurisdictions including operations located in Australia.  

The Company is no longer subject to U.S. federal income tax examinations for years prior to 2012.  With few exceptions, 

state and local income tax examinations are no longer open for years before 2009.

105

Evaluation of Assets for Impairment and Other Than Temporary Decline in Value

In accordance with ASC 360, Property, Plant, and Equipment, or ASC 360, NRG evaluates property, plant and equipment 
and certain intangible assets for impairment whenever indicators of impairment exist. Examples of such indicators or events are:

• 

• 

Significant decrease in the market price of a long-lived asset;

Significant adverse change in the manner an asset is being used or its physical condition;

•  Adverse business climate;

•  Accumulation of costs significantly in excess of the amount originally expected for the construction or acquisition of an 

asset;

•  Current-period loss combined with a history of losses or the projection of future losses; and

•  Change in the Company's intent about an asset from an intent to hold to a greater than 50% likelihood that an asset will 

be sold or disposed of before the end of its previously estimated useful life.

Recoverability of assets to be held and used is measured by a comparison of the carrying amount of the assets to the future 
net cash flows expected to be generated by the asset, through considering project specific assumptions for long-term power pool 
prices, escalated future project operating costs and expected plant operations. If such assets are considered to be impaired, the 
impairment to be recognized is measured by the amount by which the carrying amount of the assets exceeds the fair value of the 
assets by factoring in the probability weighting of different courses of action available to the Company. Generally, fair value will 
be determined using valuation techniques such as the present value of expected future cash flows. NRG uses its best estimates in 
making these evaluations and considers various factors, including forward price curves for energy, fuel costs and operating costs. 
However, actual future market prices and project costs could vary from the assumptions used in the Company's estimates, and the 
impact of such variations could be material.

For assets to be held and used, if the Company determines that the undiscounted cash flows from the asset are less than the 
carrying amount of the asset, NRG must estimate fair value to determine the amount of any impairment loss. Assets held-for-sale
are reported at the lower of the carrying amount or fair value less the cost to sell. The estimation of fair value under ASC 360, 
whether in conjunction with an asset to be held and used or with an asset held-for-sale, and the evaluation of asset impairment 
are, by their nature, subjective. NRG considers quoted market prices in active markets to the extent they are available. In the
absence of such information, the Company may consider prices of similar assets, consult with brokers, or employ other valuation 
techniques. NRG will also discount the estimated future cash flows associated with the asset using a single interest rate representative 
of the risk involved with such an investment or employ an expected present value method that probability-weights a range of 
possible outcomes. The use of these methods involves the same inherent uncertainty of future cash flows as previously discussed 
with respect to undiscounted cash flows. Actual future market prices and project costs could vary from those used in the Company's 
estimates, and the impact of such variations could be material.  Annually during the fourth quarter, the Company revises its views 
of power and fuel prices including the Company's fundamental view for long term prices in connection with the preparation of its 
annual budget.  Changes to the Company’s views of long term power and fuel prices impacted the Company’s projections of 
profitability, based on management's estimate of supply and demand within the sub-markets for each plant and the physical and 
economic characteristics of each plant.

The following long-lived asset impairments were recorded during 2015, as further described in Item 15 —Note 10, Asset 

Impairments, to the Consolidated Financial Statements:

• 

In the fourth quarter of 2015, the Company entered into an agreement to sell the Seward facility.  The Company 
recorded an impairment loss of $134 million as of December 31, 2015 to reduce the carrying amount of the net assets 
held for sale to equal the agreed-upon sales price.  

•  During the third quarter of 2015, the Company filed notice of its intent to retire Huntley's operating units on 
March 1, 2016.  On October 30, 2015, NYISO released the results of its reliability study, indicating that the Huntley 
operating units are not needed for bulk system reliability.  Accordingly the Company determined that the carrying amount 
of the assets was higher than the estimated future net cash flows expected to be generated by the assets and that the assets 
were impaired.  The fair value of the Huntley operating units was determined using the income approach. The income 
approach utilized estimates of discounted future cash flows, which include key inputs such as forecasted contract prices, 
forecasted operating expenses and discount rates.  The Company recorded an impairment loss of $132 million during the 
year ended December 31, 2015.

106

•  During the third quarter of 2015, the Company announced that Dunkirk Unit 2 will be mothballed on January 
1, 2016, at the expiration of its reliability support services agreement.  The project to add natural gas-burning capabilities 
has been suspended, pending the outcome of litigation with respect to the gas addition contract and its validity.  On 
October 30, 2015, NYISO released the results of its reliability study, indicating that the Dunkirk facility is not needed 
for system reliability.  The Company determined that the carrying amount of the assets was higher than the estimated 
future net cash flows expected to be generated by the assets and that the assets were impaired.  The fair value of the 
Dunkirk facility was determined using the income approach.  The income approach utilized estimates of discounted future 
cash flows, which include key inputs such as forecasted contract prices, forecasted operating and capital expenditures 
and discount rates.  The Company recorded an impairment loss of $160 million during the year ended December 31, 
2015.

•  During  the  fourth  quarter  of  2015,  the  Company  recorded  an  impairment  loss  of  $29  million  to  reduce  the 

carrying value of certain solar panels to approximate fair value.

•  During the fourth quarter of 2015, as the Company revised its fundamental view for long term prices in connection 
with the preparation of its annual budget, it was noted that the cash flows for the Limestone and W.A. Parish coal fired 
facilities and the Gregory combined cycle facility located in Texas were lower than the carrying amount, primarily driven 
by declining power prices as the cost of commodities continues to decline.  As a result of these updates and in connection 
with the preparation of the year-end financial statements, the Company determined that the assets are impaired. The 
Company measured the impairment loss as the difference between the carrying amount and the fair value of the assets 
and recognized impairment losses of $1,514 million, $1,295 million and $176 million related to Limestone, W.A. Parish, 
and Gregory, respectively.

NRG  is  also  required  to  evaluate  its  equity-method  and  cost-method  investments  to  determine  whether  or  not  they  are 
impaired in accordance with ASC 323, Investments - Equity Method and Joint Ventures, or ASC 323.  The standard for determining 
whether an impairment must be recorded under ASC 323 is whether a decline in the value is considered an "other than temporary" 
decline in value.  The evaluation and measurement of impairments under ASC 323 involves the same uncertainties as described 
for long-lived assets that the Company owns directly and accounts for in accordance with ASC 360.  Similarly, the estimates that 
NRG makes with respect to its equity and cost-method investments are subjective, and the impact of variations in these estimates 
could be material.  Additionally, if the projects in which the Company holds these investments recognize an impairment under the 
provisions of ASC 360, NRG would record its proportionate share of that impairment loss and would evaluate its investment for 
an other than temporary decline in value under ASC 323.  During the year ended December 31, 2015, the Company recorded 
impairment losses on its equity-method and cost-method investments of $56 million due to "other than temporary" declines in 
value.

Goodwill and Other Intangible Assets 

At December 31, 2015, NRG reported goodwill of $999 million, consisting of $337 million associated with the acquisition 
of Texas Genco in 2006, or NRG Texas, $341 million for its NRG Home businesses, $278 million related to the  acquisition of 
EME and $43 million associated with other business acquisitions.  The Company has also recorded intangible assets in connection 
with  its  business  acquisitions,  measured  primarily  based  on  significant  inputs  that  are  not  observable  in  the  market  and  thus 
represent a Level 3 measurement as defined in ASC 820.  See Item 15 — Note 3, Business Acquisitions and Dispositions, and 
Note 11, Goodwill and Other Intangibles, to the Consolidated Financial Statements for further discussion.

The Company applies ASC 805, Business Combinations, or ASC 805, and ASC 350, to account for its goodwill and intangible 
assets.  Under these standards, the Company amortizes all finite-lived intangible assets over their respective estimated weighted-
average useful lives, while goodwill has an indefinite life and is not amortized.  However, goodwill and all intangible assets not 
subject to amortization are tested for impairments at least annually, or more frequently whenever an event or change in circumstances 
occurs that would more likely than not reduce the fair value of a reporting unit below its carrying amount.  The Company tests 
goodwill for impairment at the reporting unit level, which is identified by assessing whether the components of the Company's 
operating segments constitute businesses for which discrete financial information is available and whether segment management 
regularly reviews the operating results of those components.  The Company performs the annual goodwill impairment assessment 
as of December 31 or when events or changes in circumstances indicate that the carrying value may not be recoverable. NRG first
evaluates qualitative factors to determine if it is more likely than not that impairment has occurred.  In the absence of sufficient 
qualitative factors, goodwill impairment is determined utilizing a two-step process.  If it is determined that the fair value of a 
reporting unit is below its carrying amount, where necessary, the Company's goodwill and/or intangible asset with indefinite lives 
will be impaired at that time.

107

The Company performed step zero of the goodwill impairment test, performing its qualitative assessment of macroeconomic, 
industry  and  market  events  and  circumstances,  and  the  overall  financial  performance  of  the  NRG  B2B  reporting  unit  (NRG 
Curtailment Solutions).  The Company determined it was not more likely than not that the fair value of the goodwill attributed to 
this reporting unit was less than its carrying amount and accordingly, no impairment existed for the year ended December 31, 
2015.

The Company performed step one of the two-step impairment test for the reporting units in the following table.  The Company 
determined the fair value of these reporting units using primarily an income approach.  Under the income approach, the Company 
estimated the fair value of the reporting units' invested capital exceeds its carrying value and as such, the Company concluded 
that goodwill associated with the reporting units in the following table is not impaired as of December 31, 2015:

Reporting Unit (Segment)

BETM (Corporate)

Midwest Generation (NRG Business)

NRG Home Retail - Commodity (NRG Home Retail)

NRG Home Retail - non-Commodity (NRG Home Retail)

Solar Power Partners (NRG Renew)

% Fair Value Over
Carrying Value

138

114

896

119

136

The Company also performed step one of the two-step impairment test for its NRG Texas, NRG Home Solar and Goal Zero 
reporting units.  The Company determined the fair value of these reporting units primarily using an income approach.  In each 
case, the fair value of the reporting unit was determined to be less than its carrying amount and accordingly, the Company performed 
step two of the two-step impairment test.  The results of the impairment tests for these reporting units are detailed below and in 
Item 15 - Note 10, Asset Impairments, to the Consolidated Financial Statements. 

NRG Texas

The Company believes the methodology and assumptions used in the valuation are consistent with the views of market 

participants.  Significant inputs to the determination of fair value were as follows:

•  The Company applied a discounted cash flow methodology to the long-term budgets for all of the plants in the region. 
The significant assumptions used to derive the long-term budgets used in the income approach are affected by the following 
key inputs:  

The Company's views of power and fuel prices considers market prices for the first five-year period and the 
Company's fundamental view for the longer term, which reflect the Company's long-term view of the price of 
natural gas.  The Company's fundamental view for the longer term reflects the implied power price and heat rate 
that would support new build of a combined cycle gas plant in the Texas region. The price of natural gas plays 
an important role in setting the price of electricity in many of the regions where NRG operates power plants.  
Hedging is included to the extent of contracts already in place; 

The  Company's  estimate  of  generation,  fuel  costs,  capital  expenditure  requirements  and  the  existing  and 
anticipated impact of environmental regulations; 

Based on the Company's fundamental view for the longer term, cash flows for the plants in the region were 
included in the fair value calculation through the end of each plants estimated useful life;

Projected generation and resulting energy gross margin in the long-term budgets is based on an hourly dispatch 
that simulates dispatch of each unit into the power market.  The dispatch simulation is based on power prices, 
fuel prices, and the physical and economic characteristics of each plant. 

•  The additional significant assumptions used in overall valuation of NRG Texas are as follows:

The  discount  rate  applied  to  internally  developed  cash  flow  projections  for  the  NRG  Texas  reporting  unit 
represents the weighted average cost of capital consistent with the risk inherent in future cash flows and based 
upon  an  assumed  capital  structure,  cost  of  long-term  debt  and  cost  of  equity  consistent  with  comparable 
companies in the integrated utility industry.

108

The intangible value to NRG Texas for synergies it provides to NRG’s retail businesses was determined by 
capitalizing estimated annual collateral cost savings of approximately $45 million per year and annual supply 
cost  savings  of  approximately  $18  million,  tax  affected  at  the  appropriate  tax  rate  and  assuming  this  value 
decreases over the useful lives of the underlying plants. The estimates of annual collateral cost savings resulting 
from utilizing the Company's wholesale generation assets to provide supply to retail represent the cost of collateral 
that would otherwise need to be held in reserve to support potential postings to third parties in the case of a 
significant price move.  This is calculated from a combination of the volume the Company would otherwise 
need to buy from these third parties, based on historical volumes, and historical price movements calibrated to 
an appropriate probability. The estimates of annual supply cost savings are based on historical volumes of retail 
purchases from NRG Texas, an average bid-ask spread based on broker quotes and the assumption that NRG 
Texas will realize half of the benefits associated with this savings.

  Under step one, if the fair value of a reporting unit exceeds its carrying value, goodwill of the reporting unit is not considered 
impaired.  Under the income approach described above, the Company estimated the fair value of NRG Texas' invested capital was 
76% below its carrying value as of December 31, 2015 and concluded that step two was required.  Step two requires an allocation 
of fair value to the individual asset and liabilities using a hypothetical purchase price allocation in order to determine the implied 
fair value of goodwill. If the implied fair value of goodwill is less than the carrying amount, an impairment loss is recorded.  Under 
the step two analysis it was determined the carrying amount of the goodwill exceeded its fair value by approximately $1.4 billion 
and an impairment loss of this amount was recorded. 

Fair value determinations require considerable judgment and are sensitive to changes in underlying assumptions and factors.  
As a result, there can be no assurance that the estimates and assumptions made for purposes of the annual goodwill impairment 
test will prove to be accurate predictions of the future.  Examples of events or circumstances that could reasonably be expected 
to negatively affect the underlying key assumptions and ultimately impact the estimated fair value of the NRG Texas reporting 
unit may include such items as follows:

• 

Falling or depressed long-term natural gas prices which may result in lower power prices in the markets in which the 
Texas reporting unit operates;

•  A  significant  change  to  power  plants'  new-build/retirement  economics  and  reserve  margins  resulting  primarily  from 

unexpected environmental or regulatory changes; 

•  Decrease in natural gas prices or significant changes to power plants’ economics and expected generation could result in 
decreased realized synergies associated with estimated collateral and cost supply savings related to the combination of 
the NRG Texas and Texas retail businesses; and/or

•  Macroeconomic factors that significantly differ from the Company's assumptions in timing or degree.

The Company noted that during 2015, the Company observed a significant decrease in its stock price, which was driven in 
part by depressed commodity prices and resulted in a decline in industry-wide stock prices during 2015.  The Company's view on 
long-term commodity prices is reflected in the inputs utilized to test its goodwill and long-lived assets for impairment and reflects 
the current depressed commodity environment.  If long-term natural gas prices remain depressed for an extended period of time, 
the Company's remaining goodwill associated with NRG Texas may be further impaired.   

109

NRG Home Solar

The  Company  determined  the  fair  value  of  the  NRG  Home  Solar  reporting  unit  using  an  income  approach  applying  a 
discounted cash flow methodology to the long-term budgets for the reporting unit.  The carrying amount of the reporting unit was 
higher than the fair value, and accordingly, the Company recognized an impairment loss of $125 million during the fourth quarter 
of 2015 to reduce the carrying value of the goodwill that was recognized in connection with the acquisition.

The significant assumptions utilized in determining the fair value of the reporting unit included the Company’s estimates of 
lease growth, revenue and operating expenses, capital expenditures based on the Company’s view of the cost of solar installations, 
working capital requirements, general and administrative expenses and customer acquisition costs.  Cash flows were discounted 
using a discount rate applied to the internally developed cash flow projections for the NRG Home Solar reporting unit which 
represents the weighted average cost of capital consistent with the risk inherent in future cash flows and based upon an assumed 
capital structure, cost of long-term debt and cost of equity consistent with comparable companies in the residential solar industry.

Goal Zero

During the third quarter of 2015, the Company determined that there was an indication of goodwill impairment and performed 
a two-step  goodwill impairment test.  The carrying amount of the reporting unit was higher than the fair value, and accordingly, 
the Company recognized an impairment loss of $36 million during the third quarter of 2015 to reduce the carrying value of the 
goodwill that was recognized in connection with the acquisition.  The significant assumptions utilized in determining the fair value 
of the reporting unit included the Company’s estimates of customer acquisition and related revenue, which reflect a decrease in 
estimated customer growth as compared to estimates at the time of the acquisition, as well as estimated operating expenses.  The 
discount rate applied to the internally developed cash flow projects represents the weighted average cost of capital consistent with 
the risk inherent in future cash flows and consistent with the purchase price of the acquisition. 

Contingencies

NRG records a loss contingency when management determines it is probable that a liability has been incurred and the amount 
of the loss can be reasonably estimated. Gain contingencies are not recorded until management determines it is certain that the 
future  event  will  become  or  does  become  a  reality.    Such  determinations  are  subject  to  interpretations  of  current  facts  and 
circumstances, forecasts of future events, and estimates of the financial impacts of such events.  NRG describes in detail its 
contingencies in Item 15 — Note 22, Commitments and Contingencies, to the Consolidated Financial Statements.

Recent Accounting Developments

See Item 15 — Note 2,  Summary of Significant Accounting Policies, to the Consolidated Financial Statements for a discussion 

of recent accounting developments.

110

Item 7A — Quantitative and Qualitative Disclosures About Market Risk 

NRG is exposed to several market risks in the Company's normal business activities.  Market risk is the potential loss that 
may result from market changes associated with the Company's merchant power generation or with an existing or forecasted 
financial or commodity transaction.  The types of market risks the Company is exposed to are commodity price risk, interest rate 
risk, liquidity risk, credit risk and currency exchange risk.  In order to manage these risks the Company uses various fixed-price 
forward purchase and sales contracts, futures and option contracts traded on NYMEX, and swaps and options traded in the over-
the-counter financial markets to:

•  Manage and hedge fixed-price purchase and sales commitments;

•  Manage and hedge exposure to variable rate debt obligations;

•  Reduce exposure to the volatility of cash market prices, and

•  Hedge fuel requirements for the Company's generating facilities.

Commodity Price Risk

Commodity price risks result from exposures to changes in spot prices, forward prices, volatilities, and correlations between 
various commodities, such as natural gas, electricity, coal, oil, and emissions credits.  NRG manages the commodity price risk of 
the Company's merchant generation operations and load serving obligations by entering into various derivative or non-derivative 
instruments  to  hedge  the  variability  in  future  cash  flows  from  forecasted  sales  and  purchases  of  electricity  and  fuel.   These 
instruments  include  forwards,  futures,  swaps,  and  option  contracts  traded  on  various  exchanges,  such  as  NYMEX  and 
Intercontinental Exchange, or ICE, as well as over-the-counter markets.  The portion of forecasted transactions hedged may vary 
based upon management's assessment of market, weather, operation and other factors. 

While some of the contracts the Company uses to manage risk represent commodities or instruments for which prices are 
available from external sources, other commodities and certain contracts are not actively traded and are valued using other pricing 
sources and modeling techniques to determine expected future market prices, contract quantities, or both.  NRG uses the Company's 
best estimates to determine the fair value of those derivative contracts.  However, it is likely that future market prices could vary 
from those used in recording mark-to-market derivative instrument valuation, and such variations could be material.

NRG measures the risk of the Company's portfolio using several analytical methods, including sensitivity tests, scenario 
tests, stress tests, position reports, and VaR.  NRG uses a Monte Carlo simulation based VaR model to estimate the potential loss 
in the fair value of the Company's energy assets and liabilities, which includes generation assets, load obligations, and bilateral 
physical and financial transactions.  The key assumptions for the Company's VaR model include: (i) lognormal distribution of 
prices; (ii) one-day holding period; (iii)  95% confidence interval; (iv) rolling 36-month forward looking period; and (v) market 
implied volatilities and historical price correlations.

 As of December 31, 2015, the VaR for NRG's commodity portfolio, including generation assets, load obligations and bilateral 

physical and financial transactions calculated using the VaR model, was $54 million.

The following table summarizes average, maximum and minimum VaR for NRG for the years ended December 31, 2015, 

and 2014:

(In millions)

VaR as of December 31,
For the year ended December 31,

Average
Maximum
Minimum

$

$

2015

2014

$

$

54

42
55
30

49

88
142
49

Due to the inherent limitations of statistical  measures  such as VaR,  the evolving nature  of the competitive markets for 
electricity and related derivatives, and the seasonality of changes in market prices, the VaR calculation may not capture the full 
extent of commodity price exposure.  As a result, actual changes in the fair value of mark-to-market energy assets and liabilities 
could differ from the calculated VaR, and such changes could have a material impact on the Company's financial results.

In order to provide additional information, the Company also uses VaR to estimate the potential loss of derivative financial 
instruments that are subject to mark-to-market accounting.  These derivative instruments include transactions that were entered 
into  for  both  asset  management  and  trading  purposes.   The VaR  for  the  derivative  financial  instruments  calculated  using  the 
diversified VaR model as of December 31, 2015, for the entire term of these instruments entered into for both asset management 
and trading, was $61 million, primarily driven by asset-backed transactions.

111

Interest Rate Risk

NRG is exposed to fluctuations in interest rates through the Company's issuance of fixed rate and variable rate debt.  Exposures 
to interest rate fluctuations may be mitigated by entering into derivative instruments known as interest rate swaps, caps, collars 
and put or call options.  These contracts reduce exposure to interest rate volatility and result in primarily fixed rate debt obligations 
when  taking  into  account  the  combination  of  the  variable  rate  debt  and  the  interest  rate  derivative  instrument.    NRG's  risk 
management policies allow the Company to reduce interest rate exposure from variable rate debt obligations.

In addition to those discussed above, the Company's project subsidiaries enter into interest rate swaps, intended to hedge 
the risks associated with interest rates on non-recourse project level debt.  See Item 15 — Note 12, Debt and Capital Leases, to 
the Consolidated Financial Statements, for more information about interest rate swaps of the Company's project subsidiaries. 

If all of the above swaps had been discontinued on December 31, 2015, the Company would have owed the counterparties 
$134  million.    Based  on  the  investment  grade  rating  of  the  counterparties,  NRG  believes  its  exposure  to  credit  risk  due  to 
nonperformance by counterparties to its hedge contracts to be insignificant.

NRG has both long and short-term debt instruments that subject the Company to the risk of loss associated with movements 
in market interest rates.  As of December 31, 2015, a 1% change in interest rates would result in a $23 million change in interest 
expense on a rolling twelve month basis.

As of December 31, 2015, the Company's debt fair value was $18.3 billion and carrying value was $19.6 billion.  NRG 
estimates that a 1% decrease in market interest rates would have increased the fair value of the Company's long-term debt by $1.5 
billion.

Liquidity Risk

Liquidity risk arises from the general funding needs of the Company's activities and in the management of the Company's 
assets and liabilities.  The Company is currently exposed to additional collateral posting if natural gas prices decline primarily 
due to the long natural gas equivalent position at various exchanges used to hedge NRG's retail supply load obligations.

Based on a sensitivity analysis for power and gas positions under marginable contracts, a $0.50 per MMBtu change in natural 
gas prices across the term of the marginable contracts would cause a change in margin collateral posted of approximately $348 
million as of December 31, 2015, and a 1.00 MMBtu/MWh change in heat rates for heat rate positions would result in a change 
in margin collateral posted of approximately $285 million as of December 31, 2015.  This analysis uses simplified assumptions 
and is calculated based on portfolio composition and margin-related contract provisions as of December 31, 2015.

Counterparty Credit Risk

Credit risk relates to the risk of loss resulting from non-performance or non-payment by counterparties pursuant to the terms 
of  their  contractual  obligations.   The  Company  monitors  and  manages  credit  risk  through  credit  policies  that  include:  (i) an 
established credit approval process; (ii) a daily monitoring of counterparties' credit limits; (iii) the use of credit mitigation measures 
such as margin, collateral, prepayment arrangements, or volumetric limits; (iv) the use of payment netting agreements; and (v) the 
use of master netting agreements that allow for the netting of positive and negative exposures of various contracts associated with 
a single counterparty.  Risks surrounding counterparty performance and credit could ultimately impact the amount and timing of 
expected cash flows.  The Company seeks to mitigate counterparty risk by having a diversified portfolio of counterparties.  The 
Company also has credit protection within various agreements to call on additional collateral support if and when necessary.  Cash 
margin is collected and held at the Company to cover the credit risk of the counterparty until positions settle.

112

 As of December 31, 2015, aggregate counterparty credit exposure to a significant portion of the Company's counterparties 
totaled $969 million, of which the Company held collateral (cash and letters of credit) against those positions of $240 million 
resulting in a net exposure of $733 million.  Approximately 97% of the Company's exposure before collateral is expected to roll 
off by the end of 2017.  The following table highlights the Company's portfolio credit quality and aggregated net counterparty 
credit exposure by industry sector.  Net counterparty credit exposure is defined as the aggregate net asset position with counterparties 
where netting is permitted under the enabling agreement and includes all cash flow, mark-to-market, NPNS, and non-derivative 
transactions.  As of December 31, 2015, the aggregate credit exposure is shown net of collateral held, and includes amounts net
of receivables or payables.

Category
Financial institutions
Utilities, energy merchants, marketers and other
ISOs

Total

Category
Investment grade
Non-Investment grade
Non-Rated
Total

Net Exposure (a)
(% of Total)

47%
36
17
100%

Net Exposure (a)
(% of Total)

96%
2
2
100%

(a)  Counterparty credit exposure excludes uranium and coal transportation contracts because of the unavailability of market prices.

The Company has credit exposure to certain wholesale counterparties representing more than 10% of the total net exposure 
discussed above and the aggregate credit exposure to such counterparties was $247 million.  Changes in hedge positions and 
market prices will affect credit exposure and counterparty concentration.  Given the credit quality, diversification and term of the 
exposure in the portfolio, the Company does not anticipate a material impact on its financial position or results of operations from 
nonperformance by any counterparty. 

Counterparty credit exposure described above excludes credit risk exposure under certain long term contracts, including 
California tolling agreements, Gulf Coast load obligations, wind and solar PPAs and a coal supply agreement.  As external sources 
or observable market quotes are not available to estimate such exposure, the Company valued these contracts based on various 
techniques  including  but  not  limited  to  internal  models  based  on  a  fundamental  analysis  of  the  market  and  extrapolation  of 
observable market data with similar characteristics.  Based on these valuation techniques, as of December 31, 2015, credit exposure 
to these counterparties was approximately $3.7 billion, of which $2.7 billion related to assets of NRG Yield, Inc., for the next five 
years.   This  amount  excludes  potential  credit  exposures  for  projects  with  long  term  PPAs  that  have  not  reached  commercial 
operations.  The majority of these power contracts are with utilities or public power entities with strong credit quality and public 
utility commission or other regulatory support.  However, such regulated utility counterparties can be impacted by changes in 
government regulations, which NRG is unable to predict.  In the case of the coal supply agreement, NRG holds a lien against the 
underlying asset which significantly reduces the risk of loss.

Retail Customer Credit Risk 

NRG is exposed to retail credit risk through its retail electricity providers, which serve C&I customers and the Mass market. 
Retail credit risk results when a customer fails to pay for services rendered.  The losses could be incurred from nonpayment of 
customer accounts receivable and any in-the-money forward value.  NRG manages retail credit risk through the use of established 
credit policies that include monitoring of the portfolio, and the use of credit mitigation measures such as deposits or prepayment 
arrangements. 

As of December 31, 2015, the Company's retail customer credit exposure to C&I and Mass customers was diversified across 
many customers and various industries, as well as government entities. The Company is also subject to risk with respect to its 
NRG Home Solar customers. The Company's bad debt expense resulting from credit risk was $64 million, $64 million, and $67 
million  for  the  years  ending  December  31,  2015,  2014  and  2013,  respectively.    Current  economic  conditions  may  affect  the 
Company's customers' ability to pay bills in a timely manner, which could increase customer delinquencies and may lead to an 
increase in bad debt expense.

113

Credit Risk Related Contingent Features

Certain of the Company's hedging agreements contain provisions that require the Company to post additional collateral if 
the counterparty determines that there has been deterioration in credit quality, generally termed "adequate assurance" under the 
agreements, or require the Company to post additional collateral if there were a one notch downgrade in the Company's credit 
rating.  The collateral required for contracts that have adequate assurance clauses that are in a net liability position as of December 31, 
2015, was $204 million.  The collateral required for contracts with credit rating contingent features that are in a net liability position 
as of December 31, 2015, was $34 million.  The Company is also a party to certain marginable agreements under which it has a 
net liability position but the counterparty has not called for the collateral due, which is approximately $3 million as of December 31, 
2015.

Currency Exchange Risk

NRG's foreign earnings and investments may be subject to foreign currency exchange risk, which NRG generally does not 
hedge.  As these earnings and investments are not material to NRG's consolidated results, the Company's foreign currency exposure 
is limited.

Item 8 — Financial Statements and Supplementary Data

The financial statements and schedules are listed in Part IV, Item 15 of this Form 10-K.

114

Item 9 — Changes in and Disagreements With Accountants on Accounting and Financial Disclosure

None.

Item 9A — Controls and Procedures

Conclusion  Regarding  the  Effectiveness  of  Disclosure  Controls  and  Procedures  and  Internal  Control  Over  Financial 
Reporting

Under the supervision and with the participation of NRG's management, including its principal executive officer, principal 
financial officer and principal accounting officer, NRG conducted an evaluation of the effectiveness of the design and operation 
of its disclosure controls and procedures, as such term is defined in Rules 13a-15(e) or 15d-15(e) of the Exchange Act. Based on 
this evaluation, the Company's principal executive officer, principal financial officer and principal accounting officer concluded 
that the disclosure controls and procedures were effective as of the end of the period covered by this annual report on Form 10-
K. Management's report on the Company's internal control over financial reporting and the report of the Company's independent 
registered public accounting firm are incorporated under the caption "Management's Report on Internal Control over Financial 
Reporting" and under the caption "Report of Independent Registered Public Accounting Firm" in this Annual Report on Form 10-
K for the fiscal year ended December 31, 2015.

Changes in Internal Control over Financial Reporting

There were no changes in NRG’s internal control over financial reporting (as such term is defined in Rule 13a-15(f) under 
the Exchange Act) that occurred in the fourth quarter of 2015 that materially affected, or are reasonably likely to materially affect, 
NRG’s internal control over financial reporting.

Inherent Limitations over Internal Controls

NRG's  internal  control  over  financial  reporting  is  designed  to  provide  reasonable  assurance  regarding  the  reliability  of 
financial reporting and the preparation of consolidated financial statements for external purposes in accordance with U.S. GAAP. 
The Company's internal control over financial reporting includes those policies and procedures that:

1.  Pertain to the maintenance of records that, in reasonable detail, accurately and fairly reflect the transactions and dispositions 

of the Company's assets;

2.  Provide reasonable assurance that transactions are recorded as necessary to permit preparation of consolidated financial 
statements in accordance with U.S. GAAP, and that the Company's receipts and expenditures are being made only in 
accordance with authorizations of its management and directors; and

3.  Provide reasonable assurance regarding prevention or timely detection of unauthorized acquisition, use or disposition of 

the Company's assets that could have a material effect on the consolidated financial statements.

Internal control over financial reporting cannot provide absolute assurance of achieving financial reporting objectives because 
of its inherent limitations, including the possibility of human error and circumvention by collusion or overriding of controls. 
Accordingly, even an effective internal control system may not prevent or detect material misstatements on a timely basis. Also, 
projections of any evaluation of effectiveness to future periods are subject to the risk that controls may become inadequate because 
of changes in conditions or that the degree of compliance with the policies or procedures may deteriorate.

Management's Report on Internal Control over Financial Reporting

The  Company's  management  is  responsible  for  establishing  and  maintaining  adequate  internal  control  over  financial 
reporting, as such term is defined in Exchange Act Rule 13a-15(f). Under the supervision and with the participation of the Company's 
management, including its principal executive officer, principal financial officer and principal accounting officer, the Company 
conducted an evaluation of the effectiveness of its internal control over financial reporting based on the framework in Internal 
Control — Integrated Framework (2013) issued by the Committee of Sponsoring Organizations of the Treadway Commission. 
Based on the Company's evaluation under the framework in Internal Control — Integrated Framework (2013), the Company's 
management concluded that its internal control over financial reporting was effective as of December 31, 2015.

The effectiveness of the Company's internal control over financial reporting as of December 31, 2015, has been audited by 
KPMG LLP,  the  Company's  independent  registered  public  accounting  firm,  as  stated  in  its  report  which  is  included  in  this 

115

REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

The Board of Directors and Stockholders
NRG Energy, Inc.:

We have audited NRG Energy, Inc.’s internal control over financial reporting as of December 31, 2015, based on criteria established 
in Internal Control — Integrated Framework (2013) issued by the Committee of Sponsoring Organizations of the Treadway 
Commission (COSO). NRG Energy, Inc.’s management is responsible for maintaining effective internal control over financial 
reporting and for its assessment of the effectiveness of internal control over financial reporting, included in the accompanying 
Management’s Report on Internal Control over Financial Reporting. Our responsibility is to express an opinion on the Company’s 
internal control over financial reporting based on our audit.

We conducted our audit in accordance with the standards of the Public Company Accounting Oversight Board (United States). 
Those standards require that we plan and perform the audit to obtain reasonable assurance about whether effective internal control 
over financial reporting was maintained in all material respects. Our audit included obtaining an understanding of internal control 
over financial reporting, assessing the risk that a material weakness exists, and testing and evaluating the design and operating 
effectiveness of internal control based on the assessed risk. Our audit also included performing such other procedures as we 
considered necessary in the circumstances. We believe that our audit provides a reasonable basis for our opinion.

A company’s internal control over financial reporting is a process designed to provide reasonable assurance regarding the reliability 
of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted 
accounting principles. A company’s internal control over financial reporting includes those policies and procedures that (1) pertain 
to the maintenance of records that, in reasonable detail, accurately and fairly reflect the transactions and dispositions of the assets 
of the company; (2) provide reasonable assurance that transactions are recorded as necessary to permit preparation of financial 
statements in accordance with generally accepted accounting principles, and that receipts and expenditures of the company are 
being made only in accordance with authorizations of management and directors of the company; and (3) provide reasonable 
assurance regarding prevention or timely detection of unauthorized acquisition, use, or disposition of the company’s assets that 
could have a material effect on the financial statements.

Because  of  its  inherent  limitations,  internal  control  over  financial  reporting  may  not  prevent  or  detect  misstatements. Also, 
projections of any evaluation of effectiveness to future periods are subject to the risk that controls may become inadequate because 
of changes in conditions, or that the degree of compliance with the policies or procedures may deteriorate.

In our opinion, NRG Energy, Inc. maintained, in all material respects, effective internal control over financial reporting as of 
December 31, 2015, based on criteria established in Internal Control — Integrated Framework (2013) issued by the Committee 
of Sponsoring Organizations of the Treadway Commission (COSO).

We also have audited, in accordance with the standards of the Public Company Accounting Oversight Board (United States), the 
consolidated balance sheets of NRG Energy, Inc. and subsidiaries as of December 31, 2015 and 2014, and the related consolidated 
statements of operations, comprehensive (loss)/income, cash flows, and stockholders’ equity  for each of the years in the three-
year  period  ended  December 31,  2015,  and  our  report  dated  February  29,  2016  expressed  an  unqualified  opinion  on  those 
consolidated financial statements.

(signed) KPMG LLP

Philadelphia, PA
February 29, 2016

116

Item 9B — Other Information

None.

117

Item 10 — Directors, Executive Officers and Corporate Governance

PART III

Directors

E. Spencer Abraham has been a director of NRG since December 2012. Previously, he served as a director of GenOn 
Energy, Inc. from January 2012 to December 2012. He is Chairman and Chief Executive Officer of The Abraham Group, an 
international strategic consulting firm based in Washington, D.C which he founded in 2005. Prior to that, Secretary Abraham 
served as Secretary of Energy under President George W. Bush from 2001 through January 2005 and was a U.S. Senator for the 
State of Michigan from 1995 to 2001. Secretary Abraham serves on the boards of the following public companies: Occidental 
Petroleum Corporation, PBF Energy, Two Harbors Investment Corp. and Uranium Energy Corp. He also serves on the board of 
C3 Energy Resource Management, a private company. Secretary Abraham also serves as chairman of the advisory committee of 
Lynx Global Realty Asset Fund. Secretary Abraham previously served as the non-executive chairman of AREVA, Inc., the U.S. 
subsidiary of the French-owned nuclear company, and as a director of Deepwater Wind LLC, International Battery, Green Rock 
Energy, ICx Technologies, PetroTiger and Sindicatum Sustainable Resources. He also previously served on the advisory board or 
committees of Midas Medici (Utilipoint), Millennium Private Equity, Sunovia and Wetherly Capital.

Kirbyjon H. Caldwell has been a director of NRG since March 2009. He was a director of Reliant Energy, Inc. from 
August 2003 to March 2009. Since 1982, he has served as Senior Pastor at the 16,000-member Windsor Village United Methodist 
Church in Houston, Texas. Pastor Caldwell was also a director of United Continental Holdings, Inc. (formerly Continental Airlines, 
Inc.) from 1999 to September 2011.

Lawrence S. Coben has been a director of NRG since December 2003. He is currently Chairman and Chief Executive 
Officer of Tremisis Energy Corporation LLC. Dr. Coben was Chairman and Chief Executive Officer of Tremisis Energy Acquisition 
Corporation II, a publicly held company, from July 2007 through March 2009 and of Tremisis Energy Acquisition Corporation 
from February 2004 to May 2006. From January 2001 to January 2004, he was a Senior Principal of Sunrise Capital Partners L.P., 
a private equity firm. From 1997 to January 2001, Dr. Coben was an independent consultant. From 1994 to 1996, Dr. Coben was 
Chief Executive Officer of Bolivian Power Company.  Dr. Coben serves on the board of Freshpet, Inc. and on the advisory board 
of Morgan Stanley Infrastructure II, L.P.  Dr. Coben is also Executive Director of the Sustainable Preservation Initiative and a 
Consulting Scholar at the University of Pennsylvania Museum of Archaeology and Anthropology.

Howard E. Cosgrove has served as Chairman of the Board and a director of NRG since December 2003. He was Chairman 
and Chief Executive Officer of Conectiv and its predecessor Delmarva Power and Light Company from December 1992 to August 
2002. Prior to December 1992, Mr. Cosgrove held various positions with Delmarva Power and Light including Chief Operating 
Officer and Chief Financial Officer. Mr. Cosgrove serves on the Board of Trustees of the University of Delaware and the Hagley 
Museum and Library.

Terry G. Dallas has been a director of NRG since December 2012. Previously, he served as a director of GenOn from 
December 2010 to December 2012.  Mr. Dallas served as a director of Mirant Corporation from 2006 until December 2010. Mr. 
Dallas was also the former Executive Vice President and Chief Financial Officer of Unocal Corporation, an oil and gas exploration 
and production company prior to its merger with Chevron Corporation, from 2000 to 2005. Prior to that, Mr. Dallas held various 
executive finance positions in his 21-year career with Atlantic Richfield Corporation, an oil and gas company with major operations 
in the United States, Latin America, Asia, Europe and the Middle East.

Mauricio Gutierrez has served as President and Chief Executive Officer of NRG since December 2015 and as a director 
of NRG since January 2016. Prior to December 2015, Mr. Gutierrez was the Executive Vice President and Chief Operating Officer 
of NRG from July 2010 to December 2015.  Mr. Gutierrez also has served as the Interim President and Chief Executive Officer 
of NRG Yield, Inc. since December 2015 and Executive Vice President and Chief Operating Officer of NRG Yield, Inc. from 
December 2012 to December 2015.  Mr. Gutierrez has also served on the board of NRG Yield, Inc. since its formation in December 
2012.  Mr. Gutierrez has been with NRG since August 2004 and served in multiple executive positions within NRG including 
Executive Vice President - Commercial Operations from January 2009 to July 2010 and Senior Vice President - Commercial 
Operations from March 2008 to January 2009.  Prior to joining NRG in August 2004, Mr. Gutierrez held various commercial 
positions within Dynegy, Inc.

118

William E. Hantke has been a director of NRG since March 2006. Mr. Hantke served as Executive Vice President and 
Chief Financial Officer of Premcor, Inc., a refining company, from February 2002 until December 2005. Mr. Hantke was Corporate 
Vice President of Development of Tosco Corporation, a refining and marketing company, from September 1999 until September 
2001,  and  he  also  served  as  Corporate  Controller  from  December  1993  until  September  1999.  Prior  to  that  position,  he  was 
employed  by  Coopers  &  Lybrand  as  Senior  Manager,  Mergers  and Acquisitions  from  1989  until  1990.  He  also  held  various 
positions  from  1975  until  1988  with AMAX,  Inc.,  including  Corporate Vice  President,  Operations Analysis  and  Senior Vice 
President, Finance and Administration, Metals and Mining. He was employed by Arthur Young from 1970 to 1975 as Staff/Senior 
Accountant. Mr. Hantke was Non-Executive Chairman of Process Energy Solutions, a private alternative energy company until 
March 31, 2008 and served as director and Vice-Chairman of NTR Acquisition Co., an oil refining start-up, until January 2009.

Paul W. Hobby has been a director of NRG since March 2006. Mr. Hobby is the Managing Partner of Genesis Park, L.P., 
a Houston-based private equity business specializing in technology and communications investments which he helped to form in 
1999.  He  previously  served  as  the  Chief  Executive  Officer  of  Alpheus  Communications, Inc.,  a  Texas  wholesale 
telecommunications provider from 2004 to 2011, and as Former Chairman of CapRock Services Corp., the largest provider of 
satellite services to the global energy business from 2002 to 2006. From November 1992 until January 2001, he served as Chairman 
and Chief Executive Officer of Hobby Media Services and was Chairman of Columbine JDS Systems, Inc. from 1995 until 1997. 
Mr. Hobby is former Chairman of the Houston Branch of the Federal Reserve Bank of Dallas and the Greater Houston Partnership 
and is current Chairman of the Texas Ethics Commission. He was an Assistant U.S. Attorney for the Southern District of Texas 
from 1989 to 1992, Chief of Staff to the Lieutenant Governor of Texas, Bob Bullock, in 1991 and an Associate at Fulbright & 
Jaworski from 1986 to 1989. Mr. Hobby is also a director of Stewart Information Services Corporation (Stewart Title).

Edward R. Muller has served as Vice Chairman of the Board and a director of NRG since December 2012. Previously, 
he served as the Chairman and Chief Executive Officer of GenOn Energy, Inc. from December 2010 to December 2012. He also 
served as President of GenOn from August 2011 to December 2012. Prior to that, Mr. Muller served as the Chairman, President 
and Chief Executive Officer of Mirant Corporation from 2005 to December 2010. He served as President and Chief Executive 
Officer of Edison Mission Energy, a California-based independent power producer, from 1993 to 2000. Mr. Muller is also a director 
of Transocean Ltd. and AeroVironment, Inc.

Anne C. Schaumburg has been a director of NRG since April 2005. From 1984 until her retirement in January 2002, she 
was Managing Director of Credit Suisse First Boston and a Senior Banker in the Global Energy Group. From 1979 to 1984, she 
was in the Utilities Group at Dean Witter Financial Services Group, where she last served as Managing Director. From 1971 to 
1978, she was at The First Boston Corporation in the Public Utilities Group. Ms. Schaumburg is also a director of Brookfield 
Infrastructure Partners L.P.

Evan J. Silverstein has been a director of NRG since December 2012. Previously, he served as a director of GenOn from 
August 2006 to December 2012. He served as General Partner and Portfolio Manager of SILCAP LLC, a market-neutral hedge 
fund that principally invests in utilities and energy companies, from January 1993 until his retirement in December 2005. Previously, 
he served as portfolio manager specializing in utilities and energy companies and as senior equity utility analyst. Mr. Silverstein 
has given numerous speeches and has testified before Congress on a variety of energy-related issues. He is an audit committee 
financial expert.

Thomas H. Weidemeyer has been a director of NRG since December 2003. Until his retirement in December 2003, Mr. 
Weidemeyer served as Director, Senior Vice President and Chief Operating Officer of United Parcel Service, Inc., the world's 
largest transportation company and President of UPS Airlines. Mr. Weidemeyer became Manager of the Americas International 
Operation in 1989, and in that capacity directed the development of the UPS delivery network throughout Central and South 
America. In 1990, Mr. Weidemeyer became Vice President and Airline Manager of UPS Airlines and, in 1994, was elected its 
President and Chief Operating Officer. Mr. Weidemeyer became Senior Vice President and a member of the Management Committee 
of United Parcel Service, Inc. that same year, and he became Chief Operating Officer of United Parcel Service, Inc. in January 
2001. Mr. Weidemeyer also serves as a director of The Goodyear Tire & Rubber Co., Waste Management, Inc. and Amsted Industries 
Incorporated.

Walter  R.  Young  has  been  a  director  of  NRG  since  December  2003.  From  May  1990  to  June  2003,  Mr. Young  was 
Chairman, Chief Executive Officer and President of Champion Enterprises, Inc., an assembler and manufacturer of manufactured 
homes. Mr. Young has held senior management positions with The Henley Group, The Budd Company and BFGoodrich.

119

Executive Officers

Mauricio Gutierrez has served as President and Chief Executive Officer of NRG since December 2015 and as a director 

of NRG since January 2016.  For additional biographical information for Mr. Gutierrez, see above under "Directors."

Kirkland Andrews has served as Executive Vice President and Chief Financial Officer of NRG Energy since September 
2011.  Mr. Andrews also has served as the Executive Vice President, Chief Financial Officer and a director of NRG Yield, Inc. 
since December 2012.  Prior to joining NRG, he served as Managing Director and Co-Head Investment Banking, Power and 
Utilities - Americas at Deutsche Bank Securities from June 2009 to September 2011.  Prior to this, he served in several capacities 
at Citigroup Global Markets Inc., including Managing Director, Group Head, North American Power from November 2007 to 
June 2009, and Head of Power M&A, Mergers and Acquisitions from July 2005 to November 2007.  In his banking career, Mr. 
Andrews led multiple large and innovative strategic, debt, equity and commodities transactions.

David Callen has served as Senior Vice President and Chief Accounting Officer since February 2016 and Vice President 
and Chief Accounting Officer from March 2015 to February 2016. In this capacity, Mr. Callen is responsible for directing NRG's 
financial accounting and reporting activities. Mr. Callen also has served as Vice President and Chief Accounting Officer of NRG 
Yield, Inc. since March 2015. Prior to this, Mr. Callen served as the Company's Vice President, Financial Planning & Analysis 
from November 2010 to March 2015. He previously served as Director, Finance from October 2007 through October 2010, Director, 
Financial Reporting from February 2006 through October 2007, and Manager, Accounting Research from September 2004 through 
February 2006. Prior to NRG, Mr. Callen was an auditor for KPMG LLP in both New York City and Tel Aviv Israel from October 
1996 through April 2001.

John Chillemi has served as Executive Vice President, National Business Development of NRG since December 2015.  
In this role, Mr. Chillemi is responsible for all wholesale generation development activities for NRG across the nation.  Prior to 
December 2015, Mr. Chillemi was Senior Vice President and Regional President, West since the acquisition of GenOn in December 
2012.  Mr. Chillemi served as the Regional President in California and the West for GenOn from December 2010 to December 
2012, and as President and Vice President of the West at Mirant Corporation from 2007 December 2010.  Mr. Chillemi has 30 
years of power industry experience, beginning with Georgia Power in 1986.

Tanuja Dehne has served as Executive Vice President, Chief Administrative Officer and Chief of Staff since November 
2014.  In  this  capacity,  Ms.  Dehne  is  responsible  for  the  oversight  of  NRG’s  Human  Resources,  Information  Technology, 
Communications,  Corporate  Marketing  and  Sustainability  Departments,  including  NRG’s  charitable  giving  program,  M&A 
integrations, big data analytics and is responsible for construction of the Company's sustainable headquarters in Princeton, NJ.  
Ms. Dehne served as Chief of Staff from January 2014 to November 2014 and Senior Vice President, Human Resources from 
October 2011 to January 2014.  From July 2005 to October 2011, Ms. Dehne served as NRG’s Corporate Secretary and was 
responsible for corporate governance, corporate transactions, including financings, mergers and acquisitions, public and private 
securities offerings and securities and stock exchange matters and reporting compliance.  From 2004 to 2007, Ms. Dehne was 
NRG’s Assistant General Counsel, Securities and Finance and was promoted to Deputy General Counsel in 2007. Prior to joining 
NRG, Ms. Dehne was corporate associate at Saul Ewing LLP, a law firm in Philadelphia, Pennsylvania and Princeton, New Jersey.

David R. Hill has served as Executive Vice President and General Counsel since September 2012. Mr. Hill also has served 
as the Executive Vice President and General Counsel of NRG Yield, Inc. since December 2012. Prior to joining NRG, Mr. Hill 
was a partner and co-head of Sidley Austin LLP's global energy practice group from February 2009 to August 2012. Prior to this, 
Mr. Hill served as General Counsel of the U.S. Department of Energy from August 2005 to January 2009 and, for the three years 
prior to that, as Deputy General Counsel for Energy Policy of the U.S. Department of Energy. Before his federal government 
service, Mr. Hill was a partner in major law firms in Washington, D.C. and Kansas City, Missouri, and handled a variety of 
regulatory, litigation and corporate matters. 

Elizabeth Killinger has served as Executive Vice President and President, NRG Retail and Reliant of NRG since February 
2016.  Ms. Killinger was Senior Vice President and President, NRG Retail from June 2015 to February 2016 and Senior Vice 
President and President, NRG Texas Retail from January 2013 to June 2015.  Ms. Killinger has also served as President of Reliant, 
a subsidiary of NRG, since October 2012.  Prior to that, Ms. Killinger was Senior Vice President of Retail Operations and Reliant 
Residential from January 2011 to October 2012.  Ms. Killinger has been with the Company and its predecessors since 2002 and 
has held various operational and business leadership positions within the retail organization.  Prior to joining the Company, Ms. 
Killinger spent a decade proving strategy, management and systems consulting to energy, oilfield services and retail distribution 
companies across the country and in Europe.

120

 
Code of Ethics

NRG has adopted a code of ethics entitled "NRG Code of Conduct" that applies to directors, officers and employees, including 
the chief executive officer and senior financial officers of NRG.  It may be accessed through the "Governance" section of the 
Company's website at www.nrg.com.  NRG also elects to disclose the information required by Form 8-K, Item 5.05, "Amendments 
to the Registrant's Code of Ethics, or Waiver of a Provision of the Code of Ethics," through the Company's website, and such 
information will remain available on this website for at least a 12-month period.  A copy of the "NRG Energy, Inc. Code of Conduct" 
is available in print to any stockholder who requests it.

Other information required by this Item will be incorporated by reference to the similarly named section of NRG's Definitive 

Proxy Statement for its 2016 Annual Meeting of Stockholders.

Item 11 — Executive Compensation

Information required by this Item will be incorporated by reference to the similarly named section of NRG's Definitive 

Proxy Statement for its 2016 Annual Meeting of Stockholders.

Item 12 — Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters

Securities Authorized for Issuance under Equity Compensation Plans

Plan Category
Equity compensation plans approved by security

holders

Equity compensation plans not approved by

security holders

Total

(a)
Number of Securities
to be Issued Upon
Exercise of
Outstanding Options,
Warrants and Rights

(b)
Weighted-Average 
Exercise
Price of Outstanding
Options, Warrants and
Rights

(c)
Number of Securities
Remaining Available
for Future Issuance
Under Equity 
Compensation
Plans (Excluding
Securities Reflected
in Column (a))

3,511,079 (1) $

898,630 (2)

4,409,709

$

21.42

24.66

22.67

7,517,561

1,671,633

9,189,194 (3)

(1)  Consists of shares issuable under the NRG LTIP and the ESPP.  The NRG LTIP became effective upon the Company's emergence from bankruptcy.  On 
July 28, 2010, the NRG LTIP was amended to increase the number of shares available for issuance to 22,000,000.  The ESPP was approved by the Company's 
stockholders on May 8, 2014.  As of December 31, 2015, there were 1,276,913 shares reserved from the Company's treasury shares for the ESPP. 

(2)  Consists of shares issuable under the NRG GenOn LTIP.  On December 14, 2012, in connection with the Merger, NRG assumed the GenOn Energy, Inc. 
2010 Omnibus Incentive Plan and changed the name to the NRG 2010 Stock Plan for GenOn Employees, or the NRG GenOn LTIP.  While the GenOn 
Energy, Inc. 2010 Omnibus Incentive Plan was previously approved by stockholders of RRI Energy, Inc. before it became GenOn, the plan is listed as “not 
approved” because the NRG GenOn LTIP was not subject to separate line item approval by NRG's stockholders when the Merger (which included the 
assumption of this plan) was approved.  NRG intends to make subsequent grants under the NRG GenOn LTIP.  As part of the Merger, NRG also assumed 
the GenOn Energy, Inc. 2002 Long-Term Incentive Plan, the GenOn Energy, Inc. 2002 Stock Plan, and the Mirant Corporation 2005 Omnibus Incentive 
Compensation Plan.  NRG has no intention of making any grants or awards of its own equity securities under these plans.  The number of securities to be 
issued upon the exercise of outstanding awards under these plans is 582,378 at a weighted-average exercise price of $56.84.   See Item 15 — Note 20, Stock-
Based Compensation, to Consolidated Financial Statements for a discussion of the NRG GenOn LTIP.

(3)  Consists of 6,240,648 shares of common stock under NRG's LTIP, 1,671,633 shares of common stock under the NRG GenOn LTIP, and 1,276,913 shares 
of treasury stock reserved for issuance under the ESPP.  In the first quarter of 2016, 299,127 were issued to employees' accounts from the treasury stock 
reserve for the ESPP. 

Both the NRG LTIP and the NRG GenOn LTIP provide for grants of stock options, stock appreciation rights, restricted stock, 
performance units, deferred stock units and dividend equivalent rights.  NRG's directors, officers and employees, as well as other 
individuals performing services for, or to whom an offer of employment has been extended by the Company, are eligible to receive 
grants under the NRG LTIP and the NRG GenOn LTIP.  However, participants eligible for the NRG LTIP at the time of the Merger 
are not eligible to receive grants under the NRG GenOn LTIP.  The purpose of the NRG LTIP and the NRG GenOn LTIP is to 
promote the Company's long-term growth and profitability by providing these individuals with incentives to maximize stockholder 
value and otherwise contribute to the Company's success and to enable the Company to attract, retain and reward the best available 
persons for positions of responsibility.  The Compensation Committee of the Board of Directors administers the NRG LTIP and 
the NRG GenOn LTIP.  

Other information required by this Item will be incorporated by reference to the similarly named section of NRG's Definitive 

Proxy Statement for its 2016 Annual Meeting of Stockholders.

121

Item 13 — Certain Relationships and Related Transactions, and Director Independence

Information required by this Item will be incorporated by reference to the similarly named section of NRG's Definitive 

Proxy Statement for its 2016 Annual Meeting of Stockholders.

Item 14 — Principal Accounting Fees and Services

Information required by this Item will be incorporated by reference to the similarly named section of NRG's Definitive 

Proxy Statement for its 2016 Annual Meeting of Stockholders.

122

Item 15 — Exhibits, Financial Statement Schedules

(a)(1) Financial Statements

PART IV

The following consolidated financial statements of NRG Energy, Inc. and related notes thereto, together with the reports 

thereon of KPMG LLP, are included herein:

Consolidated Statements of Operations — Years ended December 31, 2015, 2014, and 2013 

Consolidated Statements of Comprehensive (Loss)/Income — Years ended December 31, 2015, 2014, and 2013

Consolidated Balance Sheets — As of December 31, 2015 and 2014 

Consolidated Statements of Cash Flows — Years ended December 31, 2015, 2014, and 2013 

Consolidated Statement of Stockholders' Equity — Years ended December 31, 2015, 2014, and 2013 

Notes to Consolidated Financial Statements

(a)(2) Financial Statement Schedule

The following Consolidated Financial Statement Schedule of NRG Energy, Inc. is filed as part of Item 15 of this report 

and should be read in conjunction with the Consolidated Financial Statements.

Schedule II — Valuation and Qualifying Accounts

All other schedules for which provision is made in the applicable accounting regulation of the Securities and Exchange 
Commission are not required under the related instructions or are inapplicable, and therefore, have been omitted.

(a)(3) Exhibits: See Exhibit Index submitted as a separate section of this report.

(b) Exhibits

See Exhibit Index submitted as a separate section of this report.

(c) Not applicable

123

REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

The Board of Directors and Stockholders
NRG Energy, Inc.:

We have audited the accompanying consolidated balance sheets of NRG Energy, Inc. and subsidiaries as of December 31, 2015 
and 2014, and the related consolidated statements of operations, comprehensive (loss)/income, cash flows, and stockholders’ equity 
for each of the years in the 
period ended December 31, 2015. In connection with our audits of the consolidated financial 
statements,  we  also  have  audited  financial  statement  schedule  “Schedule  II.  Valuation  and  Qualifying  Accounts.”  These 
consolidated financial statements and financial statement schedule are the responsibility of the Company’s management. Our 
responsibility is to express an opinion on these consolidated financial statements and financial statement schedule based on our 
audits.

We conducted our audits in accordance with the standards of the Public Company Accounting Oversight Board (United States). 
Those standards require that we plan and perform the audit to obtain reasonable assurance about whether the financial statements 
are free of material misstatement. An audit includes examining, on a test basis, evidence supporting the amounts and disclosures 
in the financial statements. An audit also includes assessing the accounting principles used and significant estimates made by 
management, as well as evaluating the overall financial statement presentation. We believe that our audits provide a reasonable
basis for our opinion.

In our opinion, the consolidated financial statements referred to above present fairly, in all material respects, the financial position 
of NRG Energy, Inc. and subsidiaries as of December 31, 2015 and 2014, and the results of their operations and their cash flows
period ended December 31, 2015, in conformity with U.S. generally accepted accounting 
for each of the years in the 
principles. Also in our opinion, the related financial statement schedule, when considered in relation to the basic consolidated 
financial statements taken as a whole, present fairly, in all material respects, the information set forth therein.

We also have audited, in accordance with the standards of the Public Company Accounting Oversight Board (United States), NRG 
Energy, Inc.’s internal control over financial reporting as of December 31, 2015, based on criteria established in Internal Control 
- Integrated Framework (2013) issued by the Committee of Sponsoring Organizations of the Treadway Commission (COSO), and 
our report dated February 29, 2016 expressed an unqualified opinion on the effectiveness of the Company’s internal control over 
financial reporting.  

Philadelphia, Pennsylvania
February 29, 2016

(signed) KPMG LLP

124

NRG ENERGY, INC. AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF OPERATIONS

For the Year Ended December 31,

2015

2014

2013

$

14,674

$

15,868

$

11,295

10,755
1,566
5,030
1,220
10
154
18,735
21
(4,040)

36
(56)
33
(14)
75
(1,128)
(1,054)
(5,094)
1,342
(6,436)

11,794
1,523
97
1,027
84
91
14,616
19
1,271

38
—
22
18
(95)
(1,119)
(1,136)
135
3
132

8,130
1,256
459
895
128
84
10,952
—
343

7
(99)
13
—
(50)
(848)
(977)
(634)
(282)
(352)

34
(386)
9
(395)

323
(1.22)
323
(1.22)
0.45

(In millions, except per share amounts)
Operating Revenues

Total operating revenues

Cost of operations
Depreciation and amortization
Impairment losses
Selling, general and administrative
Acquisition-related transaction and integration costs
Development activity expenses

Total operating costs and expenses
Gain on postretirement benefits curtailment and sale of assets

Operating(Loss)/Income
Other Income/(Expense)

Equity in earnings of unconsolidated affiliates
Impairment losses on investments
Other income, net
(Loss)/gain on sale of equity-method investment
Net gain/(loss) on debt extinguishment
Interest expense

Total other expense
(Loss)/Income Before Income Taxes
Income tax expense/(benefit)

Net (Loss)/Income

Less: Net (loss)/income attributable to noncontrolling interests and redeemable
noncontrolling interests

Net (Loss)/Income Attributable to NRG Energy, Inc.

Dividends for preferred shares

(Loss)/Income Available for Common Stockholders
(Loss)/Earnings Per Share Attributable to NRG Energy, Inc. Common
Stockholders

Weighted average number of common shares outstanding — basic
Net (Loss)/Income per Weighted Average Common Share — Basic

Weighted average number of common shares outstanding — diluted
Net (Loss)/Income per Weighted Average Common Share — Diluted

Dividends Per Common Share

(54)
(6,382)
20
(6,402) $

329
(19.46) $
329
(19.46) $
$
0.58

$

$

$

$

(2)
134
56
78

334

0.23

339

0.23

0.54

$

$

$

$

See notes to Consolidated Financial Statements.

125

NRG ENERGY, INC. AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF COMPREHENSIVE (LOSS)/INCOME

Net (Loss)/Income

Other Comprehensive (Loss)/Income, net of tax

For the Year Ended December 31,

2015

2014

2013

(In millions)

$

(6,436) $

132

$

(352)

Unrealized (loss)/gain on derivatives, net of income tax expense/(benefit) of $19,

$(21), and $(6)

Foreign currency translation adjustments, net of income tax benefit of $0, $5, and

$14

Available-for-sale securities, net of income tax (benefit)/expense of $(3), $(2), and
$2

Defined benefit plan, net of income tax expense/(benefit) of $69, $(88), and $100

Other comprehensive income/(loss)

Comprehensive Loss

Less: Comprehensive (loss)/income attributable to noncontrolling interests and
redeemable noncontrolling interests

Comprehensive Loss Attributable to NRG Energy, Inc.

Dividends for preferred shares

(15)

(11)

17

10

1

(6,435)

(73)

(6,362)

20

(45)

(8)

(7)
(129)

(189)

(57)

8

(65)

56

8

(24)

3

168

155

(197)

34

(231)

9

Comprehensive Loss Available for Common Stockholders

$

(6,382) $

(121) $

(240)

See notes to Consolidated Financial Statements.

126

NRG ENERGY, INC. AND SUBSIDIARIES

CONSOLIDATED BALANCE SHEETS

Current Assets

ASSETS

Cash and cash equivalents
Funds deposited by counterparties
Restricted cash
Accounts receivable — trade, less allowance for doubtful accounts of $21 and $23
Inventory
Derivative instruments
Cash collateral paid in support of energy risk management activities
Renewable energy grant receivable
Current assets held-for-sale
Prepayments and other current assets

Total current assets

Property, Plant and Equipment

In service
Under construction

Total property, plant and equipment

Less accumulated depreciation

Net property, plant and equipment

Other Assets

Equity investments in affiliates
Notes receivable, less current portion
Goodwill
Intangible assets, net of accumulated amortization of $1,525 and $1,402
Nuclear decommissioning trust fund
Derivative instruments
Deferred income taxes
Non-current assets held-for-sale
Other non-current assets
Total other assets

Total Assets

See notes to Consolidated Financial Statements.

As of December 31,

2015

2014

(In millions)

$

$

1,518
106
414
1,157
1,252
1,915
568
13
6
442
7,391

24,909
627
25,536
(6,804)
18,732

1,045
53
999
2,310
561
305
167
105
1,214
6,759
32,882

$

$

2,116
72
457
1,322
1,247
2,425
187
135
—
447
8,408

29,487
770
30,257
(7,890)
22,367

771
72
2,574
2,567
585
480
1,580
17
1,045
9,691
40,466

127

 
 
NRG ENERGY, INC. AND SUBSIDIARIES

CONSOLIDATED BALANCE SHEETS (Continued)

LIABILITIES AND STOCKHOLDERS' EQUITY

Current Liabilities

Current portion of long-term debt and capital leases
Accounts payable 
Derivative instruments
Cash collateral received in support of energy risk management activities
Accrued interest expense
Other accrued expenses
Current liabilities held-for-sale
Other current liabilities

Total current liabilities

Other Liabilities

Long-term debt and capital leases
Nuclear decommissioning reserve
Nuclear decommissioning trust liability
Postretirement and other benefit obligations
Deferred income taxes
Derivative instruments
Out-of-market contracts, net of accumulated amortization of $664 and $562
Non-current liabilities held-for-sale
Other non-current liabilities

Total non-current liabilities

Total Liabilities

2.822% convertible perpetual preferred stock; $0.01 par value; 250,000 shares issued
and outstanding

Redeemable noncontrolling interest in subsidiaries

Commitments and Contingencies
Stockholders' Equity

Common stock; $0.01 par value; 500,000,000 shares authorized; 416,939,950 and
415,506,176 shares issued; and 314,190,042 and 336,662,624 shares outstanding at
December 31, 2015 and 2014
Additional paid-in capital
Retained (deficit)/earnings
Less treasury stock, at cost; 102,749,908 and 78,843,552 shares at December 31, 2015
and 2014
Accumulated other comprehensive loss
Noncontrolling interest

Total Stockholders' Equity

Total Liabilities and Stockholders' Equity

See notes to Consolidated Financial Statements.

$

$

As of December 31,

2015

2014

(In millions, except share data)

$

481
869
1,721
106
242
568
2
386
4,375

18,983
326
283
588
19
493
1,146
4
900
22,742
27,117

302

29

4
8,296
(3,007)

(2,413)
(173)
2,727
5,434
32,882

$

474
1,060
2,054
72
252
553
—
394
4,859

19,701
310
333
727
21
438
1,244
—
847
23,621
28,480

291

19

4
8,327
3,588

(1,983)
(174)
1,914
11,676
40,466

128

 
 
NRG ENERGY, INC. AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF CASH FLOWS

For the Year Ended December 31,
2014
(In millions)

2013

2015

Cash Flows from Operating Activities
Net (loss)/income
Adjustments to reconcile net income/(loss) to net cash provided by operating activities:

$ (6,436) $

132

$

(352)

Distributions and equity in earnings of unconsolidated affiliates
Depreciation and amortization
Provision for bad debts
Amortization of nuclear fuel
Amortization of financing costs and debt discount/premiums
Adjustment to (gain)/loss on debt extinguishment
Amortization of intangibles and out-of-market contracts
Amortization of unearned equity compensation
Gain on post retirement benefits curtailment and sales of assets
Impairment losses
Changes in derivative instruments
Changes in deferred income taxes and liability for uncertain tax benefits
Changes in collateral deposits in support of risk management activities
Changes in nuclear decommissioning trust liability

Cash provided/(used) by changes in other working capital, net of acquisition and disposition effects:

Accounts receivable - trade
Inventory
Prepayments and other current assets
Accounts payable
Accrued expenses and other current liabilities
Other assets and liabilities

Net Cash Provided by Operating Activities
Cash Flows from Investing Activities

Acquisition of businesses, net of cash acquired
Capital expenditures
Decrease/(increase) in restricted cash, net
Decrease/(increase) in restricted cash to support equity requirements for U.S. DOE funded projects
Decrease/(increase) in notes receivable
Proceeds from renewable energy grants
Purchases of emission allowances, net of proceeds
Investments in nuclear decommissioning trust fund securities
Proceeds from sales of nuclear decommissioning trust fund securities
Proceeds from sale of assets, net
Investments in unconsolidated affiliates
Other

Net Cash Used by Investing Activities
Cash Flows from Financing Activities

Payment of dividends to preferred and common stockholders
Net receipts from settlement of acquired derivatives that include financing elements
Payment for treasury stock
Sales proceeds and other contributions from noncontrolling interests in subsidiaries
Proceeds from issuance of common stock
Proceeds from issuance of long-term debt
Payment of debt issuance and hedging costs
Payments for short and long-term debt
Other

Net Cash (Used)/Provided by Financing Activities

Effect of exchange rate changes on cash and cash equivalents

Net (Decrease)/Increase in Cash and Cash Equivalents
Cash and Cash Equivalents at Beginning of Period
Cash and Cash Equivalents at End of Period

See notes to Consolidated Financial Statements.

37
1,566
64
45
(11)
(75)
81
41
(7)
5,086
233
1,326
(381)
(2)

136
(26)
8
(218)
(9)
(149)
1,309

(31)
(1,283)
8
35
18
82
41
(629)
631
27
(395)
11
(1,485)

(201)
196
(437)
647
1
1,004
(21)
(1,599)
(22)
(432)
10
(598)
2,116
1,518

$

49
1,523
64
46
(12)
25
64
42
(4)
97
(61)
(154)
146
19

(2)
(245)
36
(12)
(26)
(217)
1,510

(2,936)
(909)
57
(206)
25
916
(16)
(619)
600
203
(103)
85
(2,903)

(196)
9
(39)
819
21
4,563
(67)
(3,827)
(18)
1,265
(10)
(138)
2,254
2,116

$

84
1,256
67
36
(33)
(15)
49
38
(3)
558
164
(67)
(47)
15

(224)
11
25
275
(114)
(453)
1,270

(494)
(1,987)
(22)
(26)
(11)
55
5
(514)
488
13
—
(35)
(2,528)

(154)
267
(25)
531
16
1,777
(50)
(935)
—
1,427
(2)
167
2,087
2,254

$

129

NRG ENERGY, INC. AND SUBSIDIARIES

CONSOLIDATED STATEMENT OF STOCKHOLDERS' EQUITY

Balances at December 31, 2012

Net (loss)/income

Other comprehensive income

Equity-based compensation

Purchase of treasury stock

Preferred stock dividends

Common stock dividends

ESPP share purchases

Impact of NRG Yield, Inc. public offering

Sales proceeds and other contributions from noncontrolling

interests

Common
Stock

Additional
Paid-In
Capital

Retained
Earnings/ 
(Accum-
ulated 
Deficit)

Accumulated
Other
Comprehensive
Income/(Loss)

Treasury
Stock

(In millions)

Noncon- 
trolling
Interest

Total
Stockholders'
Equity

$

4

$

7,587

$

4,230

$ (1,920) $

(150) $

518

$

10,269

(386)

(9)

(145)

5

(25)

3

36

217

34

155

240

73

(352)

155

36

(25)

(9)

(145)

8

457

73

Balances at December 31, 2013

$

4

$

7,840

$

3,695

$ (1,942) $

5

$

865

$

10,467

Net income

Other comprehensive loss

Issuance of shares for acquisition of EME

Acquisition of EME noncontrolling interests

Distributions to noncontrolling interests

Equity-based compensation

Purchase of treasury stock

Preferred stock dividends

Common stock dividends

ESPP share purchases

Sale of assets to NRG Yield, Inc.

Dividend for refinancing of preferred stock

Equity component of NRG Yield, Inc. convertible notes

Impact of NRG Yield, Inc. public offering

Sales proceeds and other contributions from noncontrolling

interests

134

(9)

(181)

(4)

(47)

401

45

41

(44)

3

(179)

17

352

(57)

(41)

23

630

125

151

(179)

401

352

(57)

45

(44)

(9)

(181)

(1)

—

(47)

23

630

125

Balances at December 31, 2014

$

4

$

8,327

$

3,588

$ (1,983) $

(174) $ 1,914

$

11,676

Net loss

Other comprehensive income/(loss)

Sale of assets to NRG Yield, Inc.

ESPP share purchases

Equity-based compensation

Purchase of treasury stock

Common stock dividends

Preferred stock dividends

Distributions to noncontrolling interests

Contributions from noncontrolling interests

Acquisition of noncontrolling interests by NRG Yield, Inc.

Impact of NRG Yield, Inc. public offering

Equity component of NRG Yield, Inc. convertible notes

(56)

(1)

26

(6,382)

(2)

(191)

(20)

7

(437)

1

(37)

(4)

83

(159)

234

74

599

23

(6,419)

(3)

27

6

24

(437)

(191)

(20)

(159)

234

74

599

23

Balances at December 31, 2015

$

4

$

8,296

$ (3,007) $ (2,413) $

(173) $ 2,727

$

5,434

See notes to Consolidated Financial Statements.

130

NRG ENERGY, INC. AND SUBSIDIARIES

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

Note 1 — Nature of Business 

General

NRG Energy, Inc., or NRG or the Company, is an integrated competitive power company, which produces, sells and delivers 
energy and energy products and services in major competitive power markets in the U.S. while positioning itself as a leader in the 
way residential, industrial and commercial consumers think about and use energy products and services. NRG has one of the 
nation's largest and most diverse competitive generation portfolios balanced with the nation's largest competitive retail energy 
business.  The Company owns and operates approximately 50,000 MW of generation; engages in the trading of wholesale energy, 
capacity and related products; transacts in and trades fuel and transportation services; and directly sells energy, services, and 
innovative, sustainable products and services to retail customers under the names “NRG”, "Reliant" and other retail brand names 
owned by NRG. 

The following table summarizes NRG's global generation portfolio as of December 31, 2015:

Global Generation Portfolio(a)
(In MW)

NRG Business

Generation Type
Natural gas (e)
Coal (f)
Oil (g)
Nuclear
Wind
Utility Scale Solar
Distributed Solar

Gulf
Coast
8,651
5,114

East
7,876
10,122
— 5,581
—
—
—
—

1,176
—
—
—

Total generation capacity

14,941

23,579

West
6,085
—
—
—
—
—
—

6,085

Capacity attributable to
noncontrolling interest
Total net generation capacity

—
14,941

—
23,579

—
6,085

NRG 
Home 
Solar (b)
—
—
—
—
—
—
93

93

—
93

NRG 
Renew (c)
—
—
—
—
1,061
845
60

NRG 
Yield (d)
1,879
—
190
—
2,005
482
9

Total
Domestic
24,491
15,236
5,771
1,176
3,066
1,327
162

Other
(Inter-
national)
144
605
—
—
—
—
—

Total
Global
24,635
15,841
5,771
1,176
3,066
1,327
162

1,966

4,565

51,229

749

51,978

(638)
1,328

(2,053)
2,512

(2,691)
48,538

—
749

(2,691)
49,287

(a)  Includes 90 active fossil fuel and nuclear plants, 16 Utility Scale Solar facilities, 36 wind farms and multiple Distributed Solar facilities. All Utility Scale Solar 
and Distributed Solar facilities are described in MW on an alternating current basis. MW figures provided represent nominal summer net MW capacity of 
power generated as adjusted for the Company's owned or leased interest excluding capacity from inactive/mothballed units. 

(b)  Includes the aggregate production capacity of installed and activated residential solar energy systems. Also includes capacity from operating portfolios of   

residential solar assets held by RPV Holdco, a partnership between NRG Home Solar and NRG Yield, Inc.

(c)  Includes Distributed Solar capacity from assets held by DGPV Holdco, a partnership between NRG Renew DG Holdings LLC and NRG Yield, Inc.

(d)  Does not include NRG Yield, Inc.'s thermal converted (MWt) capacity, which is part of the NRG Yield operating segment.

(e)  Natural gas generation portfolio does not include: 463 MW related to Osceola, which was mothballed on January 1, 2015; 636 MW related to Coolwater, 
which was retired on January 1, 2015; 16 MW related to SD Jets Kearny 1, which was deactivated in March 2015; 160 MW related to Glen Gardner, which 
was retired on May 1, 2015; 98 MW related to Gilbert, which was retired on May 1, 2015; 335 MW related to El Segundo 4, which was deactivated on 
December 31, 2015; and 60 MW related to SD Jets Kearny 2A-2D, which were deactivated on December 31, 2015. 

(f)  Coal generation portfolio does not include: 251 MW related to Will County, which was retired on April 15, 2015; 597 MW related to Shawville, which was 
mothballed on May 31, 2015; 575 MW related to Big Cajun Unit 2, which was converted to natural gas in July 2015; 401 MW related to Portland, which was 
deactivated on December 1, 2015; and 75 MW related to Dunkirk 2, which was mothballed on December 31, 2015.

(g)  Oil generation portfolio does not include 212 MW related to Werner, which was retired on May 1, 2015.

NRG Business consists of the Company’s wholesale operations, commercial operations, EPC operations, energy services 
and other critical related functions.  NRG has traditionally referred to this business as its wholesale power generation business.  
In addition to the traditional functions from NRG’s wholesale power generation business, NRG Business also includes NRG’s 
B2B solutions, which include demand response, commodity sales, energy efficiency and energy management services, and NRG’s 
conventional distributed generation business, consisting of reliability, combined heat and power, thermal and district heating and 
cooling and large-scale distributed generation. 

131

NRG Home is a consumer facing business that includes the Company’s residential retail business and NRG’s residential 
solar business.  Products and services range from retail energy, rooftop solar, portable solar and battery products home services, 
and  a  variety  of  bundled  products  which  combine  energy  with  protection  products,  energy  efficiency  and  renewable  energy 
solutions. As of December 31, 2015, NRG's retail businesses within NRG Home and NRG Business served approximately 2.77 
million Recurring customers and approximately 624,000 Discrete customers.

NRG Renew operates the Company’s existing renewables business, including operation of the NRG Yield renewable assets. 
NRG Renew is also one of the largest solar and wind power developers and owner-operators in the U.S., having developed, 
constructed and financed a full range of solutions for utilities, schools, municipalities and commercial market segments. 

NRG was incorporated as a Delaware corporation on May 29, 1992.  NRG's common stock is listed on the New York Stock 
Exchange under the symbol "NRG".  The Company's principal executive offices are located at 211 Carnegie Center, Princeton, 
New  Jersey  08540.    NRG  is  dual  headquartered,  with  financial  and  commercial  headquarters  in  Princeton,  New  Jersey  and 
operational headquarters in Houston, Texas.  NRG's telephone number is (609) 524-4500.  The address of the Company's website 
is www.nrg.com.  NRG's recent annual reports, quarterly reports, current reports, and other periodic filings are available free of 
charge through the Company's website.

NRG Yield, Inc. Ownership

In 2013, the Company formed NRG Yield, Inc. to own and operate a portfolio of contracted generation assets and thermal 
infrastructure assets that have historically been owned and/or operated by NRG and its subsidiaries.  In 2013 and 2014, NRG 
Yield, Inc. issued Class A common stock to its public shareholders and utilized the proceeds to acquire a controlling interest in 
NRG Yield LLC, through its ownership of Class A units.   At that time, the Company owned the Class B common stock of NRG 
Yield, Inc. and the Class B units of NRG Yield LLC.  On May 14, 2015, NRG Yield, Inc. completed a stock split in connection 
with which each outstanding share of Class A common stock was split into one share of Class A common stock and one share of 
Class C common stock, and each outstanding share of Class B common stock was split into one share of Class B common stock 
and one share of Class D common stock. A similar split was effected at NRG Yield LLC with respect to its member units. The 
Company consolidates NRG Yield, Inc. for financial reporting purposes as it maintains a controlling voting interest, and presents 
the public ownership of the Class A and Class C common stock as noncontrolling interest. The Company receives distributions 
from NRG Yield LLC, through its ownership of Class B and Class D units. 

The following table represents the structure of NRG Yield, Inc. as of December 31, 2015:

132

Note 2 — Summary of Significant Accounting Policies 

Basis of Presentation and Principles of Consolidation

The Company's consolidated financial statements have been prepared in accordance with U.S. GAAP.  The ASC, established 
by the FASB, is the source of authoritative U.S. GAAP to be applied by nongovernmental entities.  In addition, the rules and 
interpretative releases of the SEC under authority of federal securities laws are also sources of authoritative U.S. GAAP for SEC 
registrants.

The consolidated financial statements include NRG's accounts and operations and those of its subsidiaries in which the 
Company has a controlling interest. All significant intercompany transactions and balances have been eliminated in consolidation.  
The usual condition for a controlling financial interest is ownership of a majority of the voting interests of an entity.  However, a 
controlling financial interest may also exist through arrangements that do not involve controlling voting interests.  As such, NRG 
applies the guidance of ASC 810, Consolidations, or ASC 810, to determine when an entity that is insufficiently capitalized or 
not controlled through its voting interests, referred to as a VIE, should be consolidated.

Segment Reporting

Effective in December 2014, the Company's segment structure and its allocation of corporate expenses were updated to 
reflect how management makes financial decisions and allocates resources. The Company has recast data from prior periods to 
reflect this change in reportable segments to conform to the current year presentation.  The Company's businesses are segregated 
as follows: NRG Business, which includes conventional power generation, the carbon capture business and energy services; NRG 
Home, which includes NRG Home Retail consisting of residential retail services and products, and NRG Home Solar, which 
includes the installation and leasing of residential solar services; NRG Renew, which includes solar and wind assets, excluding 
those in the NRG Yield and NRG Home Solar segments; NRG Yield and corporate activities.  NRG Yield includes certain of the 
Company's contracted generation assets.  The Company's corporate segment includes BETM,  international business and electric 
vehicle services. 

Cash and Cash Equivalents

Cash and cash equivalents include highly liquid investments with an original maturity of three months or less at the time of 

purchase.

Funds Deposited by Counterparties

Funds deposited by counterparties consist of cash held by the Company as a result of collateral posting obligations from its 
counterparties.  Some amounts are segregated into separate accounts that are not contractually restricted but, based on the Company's 
intention, are not available for the payment of general corporate obligations.  Depending on market fluctuations and the settlement 
of the underlying contracts, the Company will refund this collateral to the hedge counterparties pursuant to the terms and conditions 
of the underlying trades.  Since collateral requirements fluctuate daily and the Company cannot predict if any collateral will be 
held for more than twelve months, the funds deposited by counterparties are classified as a current asset on the Company's balance 
sheet,  with  an  offsetting  liability  for  this  cash  collateral  received  within  current  liabilities.    Changes  in  funds  deposited  by 
counterparties are closely associated with the Company's operating activities and are classified as an operating activity in the 
Company's consolidated statements of cash flows.

Restricted Cash

Restricted cash consists primarily of funds held to satisfy the requirements of certain debt agreements and funds held within 
the Company's projects that are restricted in their use. Of these funds, approximately $45 million is designated for current debt 
service payments, $61 million is designated to fund operating expenses, and $21 million is designated to fund distributions, with 
the remaining $287 million restricted for reserves including debt service, performance obligations and other reserves, as well as 
capital expenditures. 

Trade Receivables and Allowance for Doubtful Accounts

Trade receivables are reported in the balance sheet at outstanding principal adjusted for any write-offs and the allowance 
for doubtful accounts.  For its retail business, the Company accrues an allowance for doubtful accounts based on estimates of 
uncollectible revenues by analyzing counterparty credit ratings (for commercial and industrial customers), historical collections, 
accounts receivable aging and other factors.  The retail business writes-off accounts receivable balances against the allowance for 
doubtful accounts when it determines a receivable is uncollectible.

133

Inventory

Inventory is valued at the lower of weighted average cost or market, and consists principally of fuel oil, coal and raw materials 
used to generate electricity or steam.  The Company removes these inventories as they are used in the production of electricity or 
steam.  Spare parts inventory is valued at a weighted average cost.  The Company removes these inventories when they are used 
for repairs, maintenance or capital projects.  The Company expects to recover the fuel oil, coal, raw materials, and spare parts 
costs in the ordinary course of business.  Sales of inventory are classified as an operating activity in the consolidated statements 
of cash flows.  Finished goods inventory is valued at the lower of cost or net realizable value with cost being determined on a 
first-in first-out basis.  The Company removes these inventories as they are sold to customers.  During the year ended December 31, 
2015, the Company recorded a lower of weighted average cost or market adjustment of $19 million related to fuel oil. 

Property, Plant and Equipment

Property, plant and equipment are stated at cost or, in the case of business acquisitions, fair value; however impairment 
adjustments are recorded whenever events or changes in circumstances indicate that their carrying values may not be recoverable.  
See Note 3, Business Acquisitions and Dispositions, for more information on acquired property, plant and equipment. NRG also 
classifies nuclear fuel related to the Company's 44% ownership interest in STP as part of the Company's property, plant, and 
equipment.  Significant additions or improvements extending asset lives are capitalized as incurred, while repairs and maintenance 
that do not improve or extend the life of the respective asset are charged to expense as incurred.  Depreciation other than nuclear 
fuel is computed using the straight-line method, while nuclear fuel is amortized based on units of production over the estimated 
useful lives.  Certain assets and their related accumulated depreciation amounts are adjusted for asset retirements and disposals 
with the resulting gain or loss included in cost of operations in the consolidated statements of operations.

Asset Impairments

Long-lived assets that are held and used are reviewed for impairment whenever events or changes in circumstances indicate 
carrying values may not be recoverable.  Such reviews are performed in accordance with ASC 360.  An impairment loss is recognized 
if the total future estimated undiscounted cash flows expected from an asset are less than its carrying value.  An impairment charge 
is measured by the difference between an asset's carrying amount and fair value with the difference recorded in operating costs 
and expenses in the statements of operations.  Fair values are determined by a variety of valuation methods, including third-party 
appraisals, sales prices of similar assets and present value techniques.

Investments accounted for by the equity method are reviewed for impairment in accordance with ASC 323, Investments-
Equity Method and Joint Ventures, or ASC 323, which requires that a loss in value of an investment that is other than a temporary 
decline should be recognized.  The Company identifies and measures losses in the value of equity method investments based upon 
a comparison of fair value to carrying value.

For further discussion of these matters, refer to Note 10, Asset Impairments.

Development Activity Expenses and Capitalized Interest

Development activity expenses include project development costs, which are expensed in the preliminary stages of a project 
and capitalized when the project is deemed to be commercially viable.  Commercial viability is determined by one or a series of
actions  including,  among  others,  Board  of  Director  approval  pursuant  to  a  formal  project  plan  that  subjects  the  Company  to 
significant future obligations that can only be discharged by the use of a Company asset. When a project is available for operations, 
capitalized project development costs are reclassified to property, plant and equipment and amortized on a straight-line basis over 
the estimated useful life of the project's related assets.  Capitalized costs are charged to expense if a project is abandoned or 
management otherwise determines the costs to be unrecoverable. 

Development  activity  expenses  also  include  selling,  general,  and  administrative  expenses  associated  with  the  current 
operations of certain developing businesses including residential solar, electric vehicles, waste-to-energy, carbon capture and other 
emerging technologies.  The revenue associated with these businesses was immaterial for the years ended December 31, 2015, 
2014, and 2013.  When it is determined that a business will remain an ongoing part of the Company's operations or when operating 
revenues become material relative to the operating costs of the underlying business, the Company no longer classifies a business 
as a development activity.  Beginning in 2014, the Company no longer classifies costs associated with residential solar or carbon 
capture as development activity expenses. 

Interest incurred on funds borrowed to finance capital projects is capitalized until the project under construction is ready 
for its intended use.  The amount of interest capitalized for the years ended December 31, 2015, 2014, and 2013, was $30 million, 
$29 million, and $64 million, respectively.

134

When a project is available for operations, capitalized interest and project development costs are reclassified to property, 
plant and equipment and depreciated on a straight-line basis over the estimated useful life of the project's related assets.  Capitalized 
costs are charged to expense if a project is abandoned or management otherwise determines the costs to be unrecoverable.

Debt Issuance Costs

Debt issuance costs are capitalized and amortized as interest expense on a basis which approximates the effective interest 
method over the term of the related debt.  As discussed below, as of December 31, 2015, the Company adopted ASU No. 2015-03, 
Interest - Imputation of Interest (Subtopic 835-30): Simplifying the Presentation of Debt Issuance Costs, and reclassified debt 
issuance costs to be presented as a direct deduction from the carrying amount of the related debt in both the current and prior
periods. 

Intangible Assets

Intangible assets represent contractual rights held by NRG.  The Company recognizes specifically identifiable intangible 
assets including customer contracts, customer relationships, energy supply contracts, marketing partnerships, power purchase 
agreements, trade names, emission allowances, and fuel contracts when specific rights and contracts are acquired.  In addition, 
NRG also established values for emission allowances and power contracts upon adoption of Fresh Start reporting.  These intangible 
assets are amortized based on expected volumes, expected delivery, expected discounted future net cash flows, straight line or 
units of production basis.

Intangible assets determined to have indefinite lives are not amortized, but rather are tested for impairment at least annually 
or more frequently if events or changes in circumstances indicate that such acquired intangible assets have been determined to 
have finite lives and should now be amortized over their useful lives.  NRG had no intangible assets with indefinite lives recorded 
as of December 31, 2015.

Emission allowances held-for-sale, which are included in other non-current assets on the Company's consolidated balance 
sheet, are not amortized; they are carried at the lower of cost or fair value and reviewed for impairment in accordance with ASC 
360.

Goodwill

In accordance with ASC 350, the Company recognizes goodwill for the excess cost of an acquired entity over the net value 
assigned to assets acquired and liabilities assumed.  NRG performs goodwill impairment tests annually, during the fourth quarter, 
and when events or changes in circumstances indicate that the carrying value may not be recoverable.  

The Company first assesses qualitative factors to determine whether it is more likely than not that the fair value of a reporting 
unit is less than its carrying amount as a basis for determining whether it is necessary to perform the two-step goodwill impairment 
test.  The more-likely-than-not threshold is defined as having a likelihood of more than 50 percent. 

In the absence of sufficient qualitative factors, goodwill impairment is determined using a two step process:

Step one — Identify potential impairment by comparing the fair value of a reporting unit to the book value, including 
goodwill.  If the fair value exceeds book value, goodwill of the reporting unit is not considered impaired.  
If the book value exceeds fair value, proceed to step two.

Step two — Compare the implied fair value of the reporting unit's goodwill to the book value of the reporting unit 
goodwill.  If the book value of goodwill exceeds the implied fair value, an impairment charge is recognized 
for the excess.

For further discussion of goodwill and goodwill impairment losses recognized during 2015, refer to Note 11, Goodwill and 

Other Intangibles.

Income Taxes

NRG accounts for income taxes using the liability method in accordance with ASC 740, which requires that the Company 
use the asset and liability method of accounting for deferred income taxes and provide deferred income taxes for all significant 
temporary differences.

135

 
 
NRG has two categories of income tax expense or benefit — current and deferred, as follows:

•  Current income tax expense or benefit consists solely of current taxes payable less applicable tax credits, and

•  Deferred income tax expense or benefit is the change in the net deferred income tax asset or liability, excluding amounts 

charged or credited to accumulated other comprehensive income.

NRG reports some of the Company's revenues and expenses differently for financial statement purposes than for income 
tax return purposes, resulting in temporary and permanent differences between the Company's financial statements and income 
tax returns.  The tax effects of such temporary differences are recorded as either deferred income tax assets or deferred income 
tax liabilities in the Company's consolidated balance sheets.  NRG measures the Company's deferred income tax assets and deferred 
income tax liabilities using income tax rates that are currently in effect. The Company believes it is more likely than not that the 
results of future operations will generate sufficient taxable income which includes the future reversal of existing taxable temporary 
differences to realize deferred tax assets, net of valuation allowances. In arriving at this conclusion to utilize projections of future 
profit before tax in its estimate of future taxable income, the Company considered the profit before tax generated in recent years.  
A valuation allowance is recorded to reduce the Company's net deferred tax assets to an amount that is more-likely-than-not to be 
realized.

NRG reduces its current income tax expense in the consolidated statement of operations for any investment tax credits, or 
ITCs, that are not convertible into cash grants, as well as other tax credits, in the period the tax credit is generated.  ITCs that are 
convertible into cash grants, as well as the deferred income tax benefit generated by the difference in the financial statement and 
tax basis of the related assets, are recorded as a reduction to the carrying value of the underlying property and subsequently 
amortized to earnings on a straight-line basis over the useful life of each underlying property.

The Company accounts for uncertain tax positions in accordance with ASC 740, which applies to all tax positions related 
to income taxes.  Under ASC 740, tax benefits are recognized when it is more-likely-than-not that a tax position will be sustained 
upon examination by the authorities.  The benefit recognized from a position that has surpassed the more-likely-than-not threshold 
is the largest amount of benefit that is more than 50% likely to be realized upon settlement.  The Company recognizes interest and 
penalties accrued related to uncertain tax benefits as a component of income tax expense.

In accordance with ASC 805 and as discussed further in Note 19, Income Taxes, changes to existing net deferred tax assets 

or valuation allowances or changes to uncertain tax benefits, are recorded to income tax expense.

Revenue Recognition

Energy — Both physical and financial transactions are entered into to optimize the financial performance of NRG's generating 
facilities.  Electric energy revenue is recognized upon transmission to the customer.  Physical transactions, or the sale of generated 
electricity to meet supply and demand, are recorded on a gross basis in the Company's consolidated statements of operations. 
Financial transactions, or the buying and selling of energy for trading purposes, are recorded net within operating revenues in the 
consolidated statements of operations in accordance with ASC 815.

Capacity — Capacity revenues are recognized when contractually earned, and consist of revenues billed to a third party at 
either the market or a negotiated contract price for making installed generation capacity available in order to satisfy system integrity 
and reliability requirements.

Sale of Emission Allowances — NRG records the Company's bank of emission allowances as part of the Company's intangible 
assets. From time to time, management may authorize the transfer of emission allowances in excess of usage from the Company's 
emission bank to intangible assets held-for-sale for trading purposes.  NRG records the sale of emission allowances on a net basis 
within operating revenue in the Company's consolidated statements of operations.

Contract Amortization — Assets and liabilities recognized from power sales agreements assumed at Fresh Start and through 
acquisitions related to the sale of electric capacity and energy in future periods for which the fair value has been determined to be 
significantly less (more) than market are amortized to revenue over the term of each underlying contract based on actual generation 
and/or contracted volumes.

Retail revenues — Gross revenues for energy sales and services to retail customers are recognized upon delivery under the 
accrual method.  Energy sales and services that have been delivered but not billed by period end are estimated.  Gross revenues 
also includes energy revenues from resales of purchased power, which were $165 million, $387 million and $166 million for the 
years ended December 31, 2015, 2014, and 2013, respectively.  These revenues represent the sale of excess supply to third parties 
in the market.

136

Accrued unbilled revenues are based on estimates of customer usage since the date of the last meter reading provided by 
the independent system operators or electric distribution companies.  Volume estimates are based on daily forecasted volumes and 
estimated customer usage by class.  Unbilled revenues are calculated by multiplying these volume estimates by the applicable rate 
by customer class.  Estimated amounts are adjusted when actual usage is known and billed. NRG recorded receivables for unbilled 
revenues of $309 million, $341 million and $356 million as of December 31, 2015, 2014, and 2013, respectively, for retail energy 
sales and services.

Consumer product revenues are recognized when title and risk of loss pass to the retailer, distributor, or end-customer 
and  when  all  of  the  following  have  occurred:  a  firm  sales  agreement  is  in  place,  delivery  has  occurred,  pricing  is  fixed  and 
determinable, and collection is reasonably assured. Revenue is recognized as the net amount expected to be received after deducting 
estimated amounts for product returns, discounts, and allowances based on historical return rates and reasonable judgment. 

Lessor Accounting

Certain of the Company’s revenues are obtained through PPAs or other contractual agreements.  It was determined that 
certain of these PPAs qualify as operating leases for which the Company is the operating lessor and are accounted for in accordance 
with ASC 840, Leases.  In order to determine lease classification as operating, the Company evaluates the terms of the PPA to 
determine if the lease includes any of the following provisions which would indicate capital lease treatment:

•  Transfers the ownership of the generating facility,
•  Bargain purchase option at the end of the term of the lease,
•  Lease term is greater than 75% of the economic life of the generating facility, or
• 

Present value of minimum lease payments exceeds 90% of the fair value of the generating facility at inception of the 
lease.

In considering the above it was determined that many of the Company’s PPAs are operating leases.  ASC 840 requires the 
minimum  lease  payments  received  to  be  amortized  over  the  term  of  the  lease  and  contingent  rentals  are  recorded  when  the 
achievement of the contingency becomes probable.  Certain of these leases have no minimum lease payments and all of the rent 
is  recorded  as  contingent  rent  on  an  actual  basis  when  the  electricity  is  delivered.    Judgment  is  required  by  management  in 
determining the economic life of each generating facility, in evaluating whether certain lease provisions constitute minimum 
payments or represent contingent rent and other factors in determining whether a contract contains a lease and whether the lease 
is an operating lease or capital lease.  Contingent rental income recognized in the years ended December 31, 2015, 2014, and 2013 
was $777 million, $544 million, and $260 million, respectively.

Gross Receipts and Sales Taxes

In connection with its retail business, the Company records gross receipts taxes on a gross basis in revenues and cost of 
operations in its consolidated statements of operations.  During the years ended December 31, 2015, 2014, and 2013, NRG's 
revenues  and  cost  of  operations  included  gross  receipts  taxes  of  $110  million,  $108  million,  and  $88  million,  respectively.  
Additionally, the retail business records sales taxes collected from its taxable customers and remitted to the various governmental 
entities on a net basis; thus, there is no impact on the Company's consolidated statement of operations.

Cost of Energy for Retail Operations

The cost of energy for electricity sales and services to retail customers is included in cost of operations and is based on 
estimated supply volumes for the applicable reporting period. A portion of the cost of energy ($85 million, $86 million and $90 
million  as  of  December 31,  2015,  2014,  and  2013,  respectively)  was  accrued  and  consisted  of  estimated  transmission  and 
distribution  charges  not  yet  billed  by  the  transmission  and  distribution  utilities.  In  estimating  supply  volumes,  the  Company 
considers the effects of historical customer volumes, weather factors and usage by customer class.  Transmission and distribution 
delivery fees are estimated using the same method used for electricity sales and services to retail customers.  In addition, ISO fees 
are estimated based on historical trends, estimated supply volumes and initial ERCOT ISO settlements. Volume estimates are then 
multiplied by the supply rate and recorded as cost of operations in the applicable reporting period.

137

 
Derivative Financial Instruments

NRG accounts for derivative financial instruments under ASC 815, which requires the Company to record all derivatives 
on the balance sheet at fair value unless they qualify for a NPNS exception. Changes in the fair value of non-hedge derivatives 
are immediately recognized in earnings. Changes in the fair value of derivatives accounted for as hedges, if elected for hedge 
accounting, are either:

•  Recognized in earnings as an offset to the changes in the fair value of the related hedged assets, liabilities and firm 

commitments; or

•  Deferred and recorded as a component of accumulated OCI until the hedged transactions occur and are recognized in 

earnings.

NRG's primary derivative instruments are power purchase or sales contracts, fuels purchase contracts, other energy related 
commodities, and interest rate instruments used to mitigate variability in earnings due to fluctuations in market prices and interest 
rates.  On an ongoing basis, NRG assesses the effectiveness of all derivatives that are designated as hedges for accounting purposes 
in order to determine that each derivative continues to be highly effective in offsetting changes in fair values or cash flows of 
hedged items. Internal analyses that measure the statistical correlation between the derivative and the associated hedged item 
determine the effectiveness of such a contract designated as a hedge.  If it is determined that the derivative instrument is not highly 
effective as a hedge, hedge accounting will be discontinued prospectively.  In this case, the gain or loss previously deferred in 
accumulated OCI would be frozen until the underlying hedged instrument is delivered unless the transactions being hedged are 
no longer probable of occurring in which case the amount in OCI would be immediately reclassified into earnings. If the derivative 
instrument is terminated, the effective portion of this derivative deferred in accumulated OCI will be frozen until the underlying 
hedged item is delivered.

Revenues and expenses on contracts that qualify for the NPNS exception are recognized when the underlying physical 
transaction is delivered.  While these contracts are considered derivative financial instruments under ASC 815, they are not recorded 
at fair value, but on an accrual basis of accounting.  If it is determined that a transaction designated as NPNS no longer meets the 
scope exception, the fair value of the related contract is recorded on the balance sheet and immediately recognized through earnings.

NRG's trading activities are subject to limits in accordance with the Company's Risk Management Policy.  These contracts 
are recognized on the balance sheet at fair value and changes in the fair value of these derivative financial instruments are recognized 
in earnings.

Foreign Currency Translation and Transaction Gains and Losses

The local currencies are generally the functional currency of NRG's foreign operations.  Foreign currency denominated 
assets and liabilities are translated at end-of-period rates of exchange. Revenues, expenses, and cash flows are translated at the 
weighted-average rates of exchange for the period.  The resulting currency translation adjustments are not included in the Company's 
statements of operations for the period, but are accumulated and reported as a separate component of stockholders' equity until 
sale or complete or substantially complete liquidation of the net investment in the foreign entity takes place.  Foreign currency 
transaction gains or losses are reported within other income/(expense) in the Company's statements of operations.  For the years 
ended December 31, 2015, 2014, and 2013, amounts recognized as foreign currency transaction gains (losses) were immaterial.  
The Company's cumulative translation adjustment balances as of December 31, 2015, 2014, and 2013 were $(10) million, $1 
million and $15 million, respectively.

Concentrations of Credit Risk

Financial instruments which potentially subject the Company to concentrations of credit risk consist primarily of trust funds, 
accounts receivable, notes receivable, derivatives, and investments in debt securities.  Trust funds are held in accounts managed 
by experienced investment advisors.  Certain accounts receivable, notes receivable, and derivative instruments are concentrated 
within entities engaged in the energy industry.  These industry concentrations may impact the Company's overall exposure to credit 
risk, either positively or negatively, in that the customers may be similarly affected by changes in economic, industry or other 
conditions.  Receivables and other contractual arrangements are subject to collateral requirements under the terms of enabling 
agreements.  However, the Company believes that the credit risk posed by industry concentration is offset by the diversification 
and creditworthiness of its customer base.  See Note 4, Fair Value of Financial Instruments, for a further discussion of derivative 
concentrations.

138

Fair Value of Financial Instruments

The carrying amount of cash and cash equivalents, funds deposited by counterparties, receivables, accounts payable, and 
accrued liabilities approximate fair value because of the short-term maturity of these instruments.  See Note 4, Fair Value of 
Financial Instruments, for a further discussion of fair value of financial instruments.  

Asset Retirement Obligations

NRG  accounts  for AROs  in  accordance  with ASC 410-20,  Asset  Retirement  Obligations,  or ASC 410-20.    Retirement 
obligations associated with long-lived assets included within the scope of ASC 410-20 are those for which a legal obligation exists 
under enacted laws, statutes, and written or oral contracts, including obligations arising under the doctrine of promissory estoppel, 
and for which the timing and/or method of settlement may be conditional on a future event. ASC 410-20 requires an entity to 
recognize the fair value of a liability for an ARO in the period in which it is incurred and a reasonable estimate of fair value can 
be made.

Upon initial recognition of a liability for an ARO, NRG capitalizes the asset retirement cost by increasing the carrying 
amount of the related long-lived asset by the same amount.  Over time, the liability is accreted to its future value, while the 
capitalized cost is depreciated over the useful life of the related asset.  See Note 13, Asset Retirement Obligations, for a further 
discussion of AROs.

Pensions and Other Postretirement Benefits

NRG offers pension benefits through a defined benefit pension plan.  In addition, the Company provides postretirement 
health  and  welfare  benefits  for  certain  groups  of  employees.  NRG  accounts  for  pension  and  other  postretirement  benefits  in 
accordance with ASC 715, Compensation — Retirement Benefits.  NRG recognizes the funded status of the Company's defined 
benefit plans in the statement of financial position and records an offset for gains and losses as well as all prior service costs that 
have not been included as part of the Company's net periodic benefit cost to other comprehensive income.  The determination of 
NRG's obligation and expenses for pension benefits is dependent on the selection of certain assumptions.  These assumptions 
determined by management include the discount rate, the expected rate of return on plan assets and the rate of future compensation 
increases. NRG's actuarial consultants determine assumptions for such items as retirement age.  The assumptions used may differ 
materially from actual results, which may result in a significant impact to the amount of pension obligation or expense recorded 
by the Company.

NRG measures the fair value of its pension assets in accordance with ASC 820, Fair Value Measurements and Disclosures, 

or ASC 820.

Stock-Based Compensation

NRG accounts for its stock-based compensation in accordance with ASC 718, Compensation — Stock Compensation, or 
ASC 718.  The fair value of the Company's non-qualified stock options and performance units are estimated on the date of grant 
using the Black-Scholes option-pricing model and the Monte Carlo valuation model, respectively.  NRG uses the Company's 
common stock price on the date of grant as the fair value of the Company's restricted stock units and deferred stock units.  Forfeiture 
rates are estimated based on an analysis of NRG's historical forfeitures, employment turnover, and expected future behavior.  The 
Company recognizes compensation expense for both graded and cliff vesting awards on a straight-line basis over the requisite 
service period for the entire award.

Investments Accounted for by the Equity Method

NRG has investments in various domestic energy projects, as well as one Australian project.  The equity method of accounting 
is applied to such investments in affiliates, which include joint ventures and partnerships, because the ownership structure prevents 
NRG from exercising a controlling influence over the operating and financial policies of the projects.  Under this method, equity 
in pre-tax income or losses of domestic partnerships and, generally, in the net income or losses of its Australian project, are reflected 
as equity in earnings of unconsolidated affiliates.  Distributions from equity method investments that represent a return on the 
Company's investment are included within cash flows from operating activities and distributions from equity method investments 
that represent a return of the Company's investment are included within cash flows from investing activities. 

139

Tax Equity Arrangements

NRG’s redeemable noncontrolling interest in subsidiaries and noncontrolling interest, included in interest, represents third-
party interests in the net assets under certain tax equity arrangements, which are consolidated by the Company, that have been 
entered into to finance the cost of solar energy systems under operating leases and wind facilities eligible for certain tax credits.  
The Company has determined that the provisions in the contractual agreements of these structures represent substantive profit 
sharing arrangements.  Further, the Company has determined that the appropriate methodology for calculating the noncontrolling 
interest and  redeemable noncontrolling interest that reflects the substantive profit sharing arrangements is a balance sheet approach 
utilizing  the  hypothetical  liquidation  at  book  value,  or  HLBV,  method.    Under  the  HLBV  method,  the  amounts  reported  as 
noncontrolling interest and redeemable noncontrolling interests represent the amounts the investors that are party to the tax equity 
arrangements would hypothetically receive at each balance sheet date under the liquidation provisions of the contractual agreements, 
assuming the net assets of the funding structures were liquidated at their recorded amounts determined in accordance with GAAP.  
The investors’ interests in the results of operations of the funding structures are determined as the difference in noncontrolling 
interest and redeemable noncontrolling interests at the start and end of each reporting period, after taking into account any capital 
transactions between the structures and the funds’ investors.  The calculations utilized to apply the HLBV method include estimated 
calculations of taxable income or losses for each reporting period.  

Redeemable Noncontrolling Interest

To the extent that the third-party has the right to redeem their interests for cash or other assets, NRG has included the 
noncontrolling interest attributable to the third party as a component of temporary equity in the mezzanine section of the consolidated 
balance sheet. The following table reflects the changes in the Company's redeemable noncontrolling interest balance for the years 
ended December 31, 2015, and 2014.

Balance as of December 31, 2013

Cash contributions from noncontrolling interest

Comprehensive loss attributable to noncontrolling interest

Balance as of December 31, 2014

Cash contributions from noncontrolling interest

Comprehensive loss attributable to noncontrolling interest

Balance as of December 31, 2015

Sale Leaseback Arrangements 

(In millions)

$

$

2

36
(19)
19

27
(17)
29

NRG is party to sale-leaseback arrangements that provide for the sale of certain assets to a third party and simultaneous 
leaseback to the Company.  In accordance with ASC 840-40, Sale-Leaseback Transactions, if the seller-lessee retains, through the 
leaseback, substantially all of the benefits and risks incident to the ownership of the property sold, the sale-leaseback transaction 
is accounted for as a financing arrangement.  An example of this type of continuing involvement would include an option to 
repurchase the assets or the buyer-lessor having the option to sell the assets back to the Company.  This provision is included in 
most of the Company’s sale-leaseback arrangements.  As such, the Company accounts for these arrangements as financings.

Under the financing method, the Company does not recognize as income any of the sale proceeds received from the lessor 
that contractually constitutes payment to acquire the assets subject to these arrangements.  Instead, the sale proceeds received are 
accounted for as financing obligations and leaseback payments made by the Company are allocated between interest expense and 
a reduction to the financing obligation.  Interest on the financing obligation is calculated using the Company’s incremental borrowing 
rate at the inception of the arrangement on the outstanding financing obligation.  Judgment is required to determine the appropriate 
borrowing rate for the arrangement and in determining any gain or loss on the transaction that would be recorded either at the end 
of or over the lease term.

140

Marketing and Advertising Costs 

The  Company  expenses  its  marketing  and  advertising  costs  as  incurred  which  are  included  within  selling,  general  and 
administrative expenses.  Marketing and advertising expenses for the years ended December 31, 2015,  2014, and 2013 were $307 
million, $208 million, and $195 million, respectively.  The costs of tangible assets used in advertising campaigns are recorded as 
fixed assets or deferred advertising costs and amortized as advertising costs over the shorter of the useful life of the asset or the 
advertising campaign.  The Company has several long-term sponsorship arrangements.  Payments related to these arrangements 
are deferred and expensed over the term of the arrangement.  Advertising expenses for the years ended December 31, 2015, 2014  
and 2013 were $135 million, $87 million, and $69 million, respectively. 

Business Combinations

The Company accounts for its business combinations in accordance with ASC 805, Business Combinations, or ASC 805. 
ASC 805 requires an acquirer to recognize and measure in its financial statements the identifiable assets acquired, the liabilities 
assumed, and any noncontrolling interest in the acquiree at fair value at the acquisition date.  It also recognizes and measures the 
goodwill acquired or a gain from a bargain purchase in the business combination and determines what information to disclose to 
enable users of an entity's financial statements to evaluate the nature and financial effects of the business combination.  In addition, 
transaction costs are expensed as incurred.

Use of Estimates

The preparation of financial statements in conformity with accounting principles generally accepted in the United States 
requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities at the date of 
the financial statements, disclosure of contingent assets and liabilities at the date of the financial statements, and the reported 
amounts of revenues and expenses during the reporting period.  Actual results could differ from these estimates. 

In recording transactions and balances resulting from business operations, NRG uses estimates based on the best information 
available. Estimates are used for such items as plant depreciable lives, tax provisions, uncollectible accounts, actuarially determined 
benefit costs, and the valuation of energy commodity contracts, environmental liabilities, legal costs incurred in connection with 
recorded loss contingencies, and assets acquired and liabilities assumed in business combinations, among others.  In addition, 
estimates are used to test long-lived assets and goodwill for impairment and to determine the fair value of impaired assets.  As 
better  information  becomes  available  or  actual  amounts  are  determinable,  the  recorded  estimates  are  revised.    Consequently, 
operating results can be affected by revisions to prior accounting estimates.

Reclassifications

Certain prior-year amounts have been reclassified for comparative purposes.

141

Recent Accounting Developments

ASU 2016-01 — In January 2016, the FASB issued ASU No. 2016-01, Financial Instruments - Overall (Subtopic 825-10): 
Recognition and Measurement of Financial Assets and Financial Liabilities, or ASU No. 2016-01. The amendments of ASU No. 
2016-01  eliminate  available-for-sale  classification  of  equity  investments  and  require  that  equity  investments  (except  those 
accounted for under the equity method of accounting, or those that result in consolidation of the investee) to be generally measured 
at fair value with changes in fair value recognized in net income.  Further, the amendments require that financial assets and financial 
liabilities to be presented separately in the notes to the financial statements, grouped by measurement category and form of financial 
asset.  The guidance in ASU No. 2016-01 is effective for financial statements issued for fiscal years beginning after December 
15, 2017, and interim periods within those annual periods. The Company is currently evaluating the impact of the standard on the 
Company's results of operations, cash flows and financial position.

ASU  2015-17  —  In  November  2015,  the  FASB  issued ASU  No.  2015-17,  Income  Taxes  (Topic  740):  Balance  Sheet 
Classification of Deferred Taxes, or ASU No. 2015-17.  The amendments of ASU No. 2015-17 require that deferred tax liabilities 
and assets, as well as any related valuation allowance, be presented as noncurrent in a classified statement of financial position.  
The guidance in ASU No. 2015-17 is effective for financial statements issued for fiscal years beginning after December 15, 2016, 
and interim periods within those annual periods.  The amendments may be applied either prospectively to all deferred tax liabilities 
and assets or retrospectively to all periods presented.  Early adoption is permitted.  The Company adopted ASU No. 2015-17 for 
the year ended December 31, 2015 and elected to apply the amendments retrospectively.  The adoption did not have any impact 
on the Company's results of operations, cash flows, or net assets. 

ASU 2015-16 — In September 2015, the FASB issued ASU No. 2015-16, Business Combinations (Topic 805): Simplifying 
the Accounting for Measurement-Period Adjustments, or ASU No. 2015-16.  The amendments of ASU No. 2015-16 require that 
an acquirer recognize measurement period adjustments to the provisional amounts recognized in a business combination in the 
reporting period during which the adjustments are determined.  Additionally, the amendments of ASU No. 2015-16 require the 
acquirer to record in the same period's financial statements the effect on earnings of changes in depreciation, amortization or other 
income effects, if any, as a result of the measurement period adjustment, calculated as if the accounting had been completed at the 
acquisition date as well as disclosing either on the face of the income statement or in the notes the portion of the amount recorded 
in current period earnings that would have been recorded in previous reporting periods.  The guidance in ASU No. 2015-16 is 
effective for financial statements issued for fiscal years beginning after December 15, 2015, and interim periods within those fiscal 
years.  The amendments should be applied prospectively.  The adoption of this standard is not expected to have a material impact 
on the Company's results of operations, cash flows or financial position.

ASU 2015-03 and ASU 2015-15 — In April 2015, the FASB issued ASU No. 2015-03, Interest - Imputation of Interest 
(Subtopic 835-30): Simplifying the Presentation of Debt Issuance Costs, or ASU No. 2015-03.  The amendments of ASU No. 
2015-03 were issued to reduce complexity in the balance sheet presentation of debt issuance costs.  ASU No. 2015-03 requires 
that debt issuance costs be presented in the balance sheet as a direct deduction from the carrying amount of debt liability, consistent 
with debt discounts or premiums.  The recognition and measurement guidance for debt issuance costs are not affected by the 
amendments in this standard.  Additionally, in August 2015, the FASB issued ASU No. 2015-15, Interest - Imputation of Interest 
(Subtopic  835-30):  Presentation  and  Subsequent  Measurement  of  Debt  Issuance  Costs  Associated  with  Line-of-Credit 
Arrangements, or ASU No. 2015-15, as ASU No. 2015-03 did not specifically address presentation or subsequent measurement 
of debt issuance costs related to line-of-credit arrangements.  ASU No. 2015-15 allows an entity to continue to defer and present 
debt  issuance  costs  ratably  over  the  term  of  the  line-of-credit  arrangement,  regardless  of  whether  there  are  any  outstanding 
borrowings on the line-of-credit arrangement.  The guidance in ASU No. 2015-03 and ASU No. 2015-15 is effective for financial 
statements issued for fiscal years beginning after December 15, 2015, and interim periods within those fiscal years.  Early adoption 
is permitted for financial statements that have not been previously issued.  The Company adopted ASU No. 2015-03 for the year 
ended December 31, 2015, and the adoption did not have a material impact on the Company's balance sheets on a gross basis and 
had no impact on net assets.

ASU 2015-02 — In February 2015, the FASB issued ASU No. 2015-02, Consolidation (Topic 810): Amendments to the 
Consolidation Analysis, or ASU No. 2015-02.  The amendments of ASU No. 2015-02 were issued in an effort to minimize situations 
under previously existing guidance in which a reporting entity was required to consolidate another legal entity in which that 
reporting entity did not have: (1) the ability through contractual rights to act primarily on its own behalf; (2) ownership of the 
majority of the legal entity's voting rights; or (3) the exposure to a majority of the legal entity's economic benefits.  ASU No. 
2015-02 affects reporting entities that are required to evaluate whether they should consolidate certain legal entities.  All legal 
entities are subject to reevaluation under the revised consolidation model.  The guidance in ASU No. 2015-02 is effective for 
periods beginning after December 15, 2015.  Early adoption is permitted.  The Company adopted the standard effective January 
1, 2015, and the adoption of this standard did not impact the Company's results of operations, cash flows or financial position.

142

ASU 2014-16 — In November 2014, the FASB issued ASU No. 2014-16, Derivatives and Hedging (Topic 815): Determining 
Whether the Host Contract in a Hybrid Financial Instrument Issued in the Form of a Share Is More Akin to Debt or to Equity, or 
ASU No. 2014-16.  The amendments of ASU No. 2014-16 clarify how U.S. GAAP should be applied in determining whether the 
nature of a host contract is more akin to debt or equity and in evaluating whether the economic characteristics and risks of an
embedded feature are "clearly and closely related" to its host contract.  The guidance in ASU No. 2014-16 is effective for fiscal 
years, and interim periods within those fiscal years, beginning after December 15, 2015.  Early adoption is permitted.  The Company 
adopted this standard effective January 1, 2015, and the adoption did not impact the Company's results of operations, cash flows 
or financial position.

ASU 2014-09 — In May 2014, the FASB issued ASU No. 2014-09, Revenue from Contracts with Customers (Topic 606), 
or ASU No. 2014-09.  The amendments of ASU No. 2014-09 complete the joint effort between the FASB and the International 
Accounting Standards Board, IASB, to develop a common revenue standard for U.S. GAAP and International Financial Reporting 
Standards, or IFRS, and to improve financial reporting.  The guidance in ASU No. 2014-09 provides that an entity should recognize 
revenue to depict the transfer of goods or services provided and establishes the following steps to be applied by an entity: (1) 
identify the contract with a customer; (2) identify the performance obligations in the contract; (3) determine the transaction price; 
(4) allocate the transaction price to the performance obligations in the contract; and (5) recognize revenue when (or as) the entity 
satisfies the performance obligation.  In August 2015, the FASB issued ASU 2015-14, which formally deferred the effective date 
by one year to make the guidance of ASU No. 2014-09 effective for annual reporting periods beginning after December 15, 2017, 
including interim periods therein.  Early adoption is permitted, but not prior to the original effective date, which was for annual 
reporting periods beginning after December 15, 2016.  The Company is currently evaluating the impact of the standard on the 
Company's results of operations, cash flows and financial position.

Note 3 — Business Acquisitions and Dispositions 

The Company has completed the following business acquisitions and dispositions that are material to the Company's financial 

statements:

Acquisitions

2015 Acquisition of Desert Sunlight

On June 29, 2015, NRG Yield, Inc., through its subsidiary Yield Operating, acquired 25% of the membership interest in 
Desert Sunlight Investment Holdings, LLC, which owns two solar photovoltaic facilities that total 550 MW located in Desert 
Center, California from EFS Desert Sun, LLC, an affiliate of GE Energy Financial Services, for a purchase price of $285 million.  
The Company accounts for its 25% investment as an equity method investment.

2014 Acquisition of Alta Wind

On August 12, 2014, NRG Yield, Inc., through its subsidiary Yield Operating, completed the acquisition of 100% of the 
membership interests of Alta Wind Asset Management Holdings, LLC, Alta Wind Company, LLC, Alta Wind X Holding Company, 
LLC, and Alta Wind XI Holding Company, LLC, which collectively own seven wind facilities that total 947 MW located in 
Tehachapi, California and a portfolio of land leases, or the Alta Wind Assets.  Power generated by the Alta Wind facility is sold 
to Southern California Edison under long-term power purchase agreements with 21 years of remaining contract life for Alta I-V. 
The Alta  X  and  XI  power  purchase  agreements  began  in  January  2016  with  terms  of  22  years  and  currently  sell  energy  and 
renewable energy credits on a merchant basis. 

The purchase price of the Alta Wind Assets was $923 million, which was comprised of a purchase price of $870 million and 
$53 million paid for working capital balances.  In order to fund the purchase price of the acquisition, NRG Yield, Inc. issued 
12,075,000 shares of its Class A common stock on July 29, 2014 for net proceeds of $630 million.  In addition, on August 5, 2014, 
Yield Operating issued $500 million in aggregate principal amount at par of 5.375% senior notes due August 2024.  Interest on 
the notes is payable semi-annually on February 15 and August 15 of each year, and commenced on February 15, 2015.  The notes 
are senior unsecured obligations of Yield Operating and are guaranteed by NRG Yield LLC, Yield Operating’s parent company, 
and by certain of Yield Operating’s wholly owned subsidiaries. 

143

The acquisition was recorded as a business combination under ASC 805, with identifiable assets acquired and liabilities 
assumed provisionally recorded at their estimated fair values on the acquisition date.  The accounting for the business combination 
was completed as of August 11, 2015, at which point the fair values became final.  The following table summarizes the provisional 
amounts recognized for assets acquired and liabilities assumed as of December 31, 2015, as well as adjustments made through 
August 11, 2015, when the allocation became final.  The purchase price of $923 million was allocated as follows:

Assets
Cash
Current and non-current assets
Property, plant and equipment
Intangible assets

Total assets acquired

Liabilities

Debt
Current and non-current liabilities

Total liabilities assumed
Net assets acquired

Acquisition Date
Fair Value at
December 31,
2014

Measurement
period
adjustments

(In millions)

Revised
Acquisition
Date

$

$

22
49
1,304
1,177
2,552

1,591
38
1,629
923

$

— $
(2)
6
(6)
(2)

—
(2)
(2)
— $

22
47
1,310
1,171
2,550

1,591
36
1,627
923

2014 Acquisition of Dominion's Competitive Electric Retail Business

On  March  31,  2014,  the  Company  acquired  the  competitive  retail  electricity  business  of  Dominion  Resources,  Inc.,  or 
Dominion.  The acquisition of Dominion's competitive retail electricity business increased NRG’s retail portfolio by approximately 
540,000 customers in the aggregate by the end of 2014.  The acquisition supports NRG's ongoing efforts to expand the Company's 
retail footprint in the Northeast and to grow its retail position in Texas.  The Company paid approximately $192 million as cash 
consideration for the acquisition, including $165 million of purchase price and $27 million paid for working capital balances, 
which was funded by cash on hand. The purchase price was allocated to the following: $40 million to accounts receivable-trade, 
$64 million to customer relationships, $9 million to trade names, $14 million to current assets, $21 million to derivative assets, 
$47 million to current and non-current liabilities, and goodwill of $91 million of which $8 million is deductible for U.S. income 
tax purposes in future periods. The consideration and assets include amounts paid for customer relationships in the Northeast that 
were accounted for as an asset acquisition. The factors that resulted in goodwill arising from the acquisition include the revenues 
associated with new customers in new regions and through the synergies associated with combining a new retail business with 
the Company's existing retail and generation assets.  The acquired assets and liabilities are included within the NRG Home Retail 
segment.  The accounting for the Dominion acquisition was completed as of March 30, 2015, at which point the provisional fair 
values became final with no material changes. 

2014 Acquisition of EME

On April 1, 2014, the Company acquired substantially all of the assets of EME.  EME, through its subsidiaries and affiliates, 
owned or leased and operated a portfolio of approximately 8,000 MW consisting of wind energy facilities and coal- and gas-fired 
generating facilities.  The Company paid an aggregate purchase price of $3.5 billion, which was funded through the issuance of 
12,671,977 shares of NRG common stock on April  1, 2014, the issuance of $700 million in newly-issued corporate  debt,  as 
described in Note 12, Debt and Capital Leases, and cash on hand.  The Company also assumed non-recourse debt of approximately 
$1.2 billion.  

 In connection with the transaction, NRG agreed to certain conditions with the parties to the Powerton and Joliet, or POJO, 
sale-leaseback transaction subject to which an NRG subsidiary assumed the POJO leveraged leases and NRG guaranteed the 
remaining payments under each lease, which total $405 million through 2034.  In connection with this agreement, NRG has 
committed  to  fund  up  to  $350  million  in  capital  expenditures  for  plant  modifications  at  Powerton  and  Joliet  to  comply  with 
environmental regulations, as discussed further in Note 24, Environmental Matters. 

144

On April 30, 2014, subsequent to the acquisition, the Company acquired the remaining 50% ownership of Mission Del Sol 
LLC, which owns the Sunrise facility, a 586 MW natural gas facility in Fellows, California, from Chevron Power Holdings Inc. 
increasing the Company's ownership interest to 100% in exchange for the Company's 50% interest in six cogeneration facilities, 
previously co-owned with Chevron Power Holdings Inc.  

The acquisition was recorded as a business combination under ASC 805, with identifiable assets acquired and liabilities 
assumed provisionally recorded at their estimated fair values on the acquisition date.  The accounting for the EME acquisition 
was completed as of March 31, 2015, at which point the fair values became final.  The following table summarizes the provisional 
amounts recognized for assets acquired and liabilities assumed as of December 31, 2014, as well as adjustments made through 
March  31,  2015,  when  the  allocation  became  final.    Measurement  period  adjustments  primarily  reflect  the  tax  impact  of  the 
acquisition date fair values and final estimates for asset retirement obligations.  The purchase price of $3.5 billion was allocated 
as follows: 

Assets
Cash
Current assets
Property, plant and equipment
Intangible assets
Goodwill
Non-current assets

Total assets acquired

Liabilities

Current and non-current liabilities
Out-of-market contracts and leases
Long-term debt

Total liabilities assumed
Less: noncontrolling interest
Net assets acquired

2013 Acquisition of Energy Systems

Acquisition Date
Fair Value at
December 31,
2014

Measurement period
adjustments

Revised
Acquisition Date

(In millions)

1,422
724
2,438
172
334
773
5,863

629
159
1,249
2,037
352
3,474

$

$

— $
72
(3)
—
(56)
—
13

13
—
—
13
—
— $

1,422
796
2,435
172
278
773
5,876

642
159
1,249
2,050
352
3,474

On December 31, 2013, NRG Energy Center Omaha Holdings, LLC, an indirect wholly owned subsidiary of NRG Yield 
LLC, acquired 100% of Energy Systems Company, or Energy Systems, for approximately $120 million.  The acquisition was 
financed from cash on hand.  Energy Systems is an operator of steam and chilled thermal facilities that provides heating and 
cooling services to nonresidential customers in Omaha, Nebraska.  The acquisition was recorded as a business combination under 
ASC 805, with identifiable assets acquired and liabilities assumed provisionally recorded at their estimated fair values on the 
acquisition date.  The purchase price was primarily allocated to property, plant and equipment of $60 million, customer relationships 
of $59 million, and working capital of $1 million.  The accounting for Energy Systems was completed as of September 30, 2014, 
at which point the provisional fair values became final with no material changes.

2013 Acquisition of Gregory

On August 7, 2013, NRG Texas Gregory, LLC, a wholly owned subsidiary of NRG, acquired Gregory Power Partners, L.P. 
for approximately $245 million in cash, net of $32 million cash acquired. Gregory is a cogeneration plant located in Corpus Christi, 
Texas, which has generation capacity of 388 MW and steam capacity of 160 MWt.  The Gregory cogeneration plant provides 
steam, processed water and a small percentage of its electrical generation to the Corpus Christi Sherwin Alumina plant.  The 
majority of the plant's generation is available for sale in the ERCOT market.  The acquisition was recorded as a business combination 
under ASC 805, with identifiable assets acquired and liabilities assumed provisionally recorded at their estimated fair values on 
the acquisition date.  The purchase price was allocated to property, plant, and equipment of $248 million, current assets of $13 
million, and other liabilities of $16 million.  The accounting for the Gregory acquisition was completed as of June 30, 2014, at 
which point the provisional fair values became final with no material changes.   

145

Dispositions

2016 Disposition of Shelby

On November 9, 2015, the Company, through its subsidiary GenOn, Inc., entered into an agreement with Rockland Power 
Partners II, LP to sell 100% of its interest in Shelby County Energy Center, LLC, or Shelby, for cash consideration of $46 million.  
Shelby owns a 352  MW natural gas-fired facility located in Illinois.  At December 31, 2015, NRG had $1 million of current assets, 
$22 million of non-current assets, and $1 million of current liabilities classified as held for sale for Shelby on its balance sheet.  
The sale is expected to be completed in March of 2016, and the transaction is expected to result in a gain recognized recorded in 
the consolidated results of operations during the first quarter of 2016. 

2016 Disposition of Seward

On November 24, 2015, the Company, through its subsidiary GenOn, Inc., entered into an agreement with Robindale Energy 
Services, Inc. to sell 100% of its interest in Seward Generation, LLC, or Seward, for cash consideration of $75 million.  Seward 
owns a 525 MW coal-fired facility in Pennsylvania.  The transaction triggered an impairment indicator as the sale price was less 
than the carrying amount of the assets, and, as a result, the assets were considered to be impaired.  The Company measured the 
impairment loss as the difference between the carrying amount of the assets and the agreed-upon sale price.  The Company recorded 
an impairment loss of  $134 million for the year ended December 31, 2015, to reduce the carrying amount of the assets held for 
sale to the fair market value.  At December 31, 2015, NRG had $5 million of current assets, $83 million of non-current assets, $1 
million of current liabilities and $4 million of non-current liabilities classified as held for sale for Seward on its balance sheet.  On 
February 2, 2016, GenOn completed the sale of Seward.  For further discussion on this impairment, refer to Note 10 — Asset 
Impairments.

2015 Disposition of Altenex

On December 31, 2015, the Company completed the sale of its 32% interest in Altenex, LLC to Edison Energy, LLC and 
Edison Energy NewCo 2, LLC for cash consideration of $26 million.  The Company had accounted for its investment in Altenex 
as an equity method investment and recognized a loss of $14 million as a result of the transaction within the Company's consolidated 
statements of operations.

2014 Sale of Sabine

On December 2, 2014, the Company, through its subsidiaries GenOn Sabine (Delaware), Inc. and GenOn Sabine (Texas), 
Inc., completed the sale of its 50% interest in Sabine Cogen, L.P., or Sabine, to Bayou Power, LLC, an affiliate of Rockland Capital, 
LLC.  Sabine owns a 105 MW natural gas-fired cogeneration facility located in Texas.  The Company received cash consideration 
of $35 million at closing.  A gain of $18 million was recognized as a result of the transaction and recorded as a gain on sale of 
equity-method investments within the Company's consolidated statements of operations.

2014 Disposition of 50% Interest in Petra Nova Parish Holdings LLC 

On July 3, 2014, the Company, through its wholly owned subsidiary Petra Nova Holdings LLC, sold 50% of its interest in 
Petra Nova Parish Holdings LLC to JX Nippon Oil Exploration (EOR) Limited, or JX Nippon, a wholly owned subsidiary of JX 
Nippon Oil & Gas Exploration Corporation.  As a result of the sale, the Company no longer has a controlling interest in and has 
deconsolidated Petra Nova Parish Holdings LLC as of the date of the sale.  On July 7, 2014, the Company made its initial capital 
contribution into the partnership of $35 million, which was funded with a portion of the sale proceeds of $76 million.  On March 
3, 2014, Petra Nova CCS I LLC, a wholly owned subsidiary of Petra Nova Parish Holdings LLC, entered into a fixed-price 
agreement to build and operate a CCF at the W.A. Parish facility with a consortium of Mitsubishi Heavy Industries America, Inc. 
and TIC - The Industrial Company.  Notice to proceed for the construction on the CCF was issued on July 15, 2014, and commercial 
operation is expected in late 2016.  

Petra Nova Parish Holdings LLC also owns a 75 MW peaking unit at W.A. Parish, which achieved commercial operations 
on June 26, 2013. The peaking unit will be converted into a cogeneration facility to provide power and steam to the CCF.  The 
CCF is being financed by: (i) up to $167 million from a U.S. DOE CCPI grant of which $7 million has already been received from 
the grant in the initial design and engineering phase and $106 million has already been received from the grant under the construction 
phase, (ii) $250 million in loans provided by the Japan Bank for International Cooperation and Mizuho Bank, Ltd., and (iii) 
approximately $300 million in equity contributions from each of the Company and JX Nippon. The Company’s contribution will 
include investments already made during the development of the project.  In February 2016, Petra Nova Parish Holdings LLC 
received notice of an additional $23 million in U.S. DOE funding.

146

On  July  14,  2014,  Petra  Nova  Parish  Holdings  LLC  entered  into  two  credit  facilities,  or  the  Petra  Nova  Parish  Credit 
Agreements, to fund the cost of construction of the CCF at the W.A. Parish facility.  The Petra Nova Parish Credit Agreements 
are comprised of a $75 million Nippon Export and Investment Insurance, or NEXI, covered loan and a $175 million Japan Bank 
for International Cooperation, or JBIC, facility.  The NEXI covered loan has an interest rate of LIBOR plus an applicable margin 
of 1.75% and the JBIC facility has an interest rate of LIBOR plus an applicable margin of 0.50% during the construction phase 
which escalates to an applicable margin of 1.50% upon completion of the CCF.  Both credit facilities mature in April 2026.  NRG 
has guaranteed its 50% share of the obligations under the Petra Nova Parish Credit Agreements through mechanical completion 
as defined by the credit agreements.

Transfers of Assets under Common Control

On November 3, 2015, the Company sold 75% of the Class B interests of NRG Wind TE Holdco, which owns a portfolio 
of 12 wind facilities totaling 814 net MW, to NRG Yield, Inc.  NRG Yield Inc. paid total cash consideration of $209 million, 
subject to working capital adjustments.  NRG Yield, Inc. will be responsible for its pro-rata share of non-recourse project debt of 
$193 million and noncontrolling interest associated with a tax equity structure of $159 million (as of the acquisition date).  In 
February 2016, the company made a final working capital payment of $2 million to NRG Yield, Inc. reducing total cash consideration 
to $207 million.  

On January 2, 2015, the Company sold the following facilities to NRG Yield, Inc.: Walnut Creek, the Tapestry projects 
(Buffalo Bear, Pinnacle and Taloga) and Laredo Ridge.  NRG Yield, Inc. paid total cash consideration of $489 million, including
$9 million of working capital adjustments, plus assumed project level debt of $737 million. 

On June 30, 2014, the Company sold the following facilities to NRG Yield, Inc.: High Desert, Kansas South, and El Segundo 
Energy Center.  NRG Yield, Inc. paid total cash consideration of $357 million, which represents a base purchase price of $349 
million and $8 million of working capital adjustments, plus assumed project level debt of approximately $612 million. 

The above sales were recorded as transfers of entities under common control and the related assets were transferred at their 

carrying value.

Note 4 — Fair Value of Financial Instruments 

For cash and cash equivalents, funds deposited by counterparties, accounts and other receivables, accounts payable, restricted 
cash, and cash collateral paid and received in support of energy risk management activities, the carrying amount approximates 
fair value because of the short-term maturity of those instruments and are classified as Level 1 within the fair value hierarchy. 

The estimated carrying values and fair values of NRG's recorded financial instruments not carried at fair market value are 

as follows:

Assets

Notes receivable (a)

Liabilities

As of December 31,

2015

2014

Carrying Amount

Fair Value

Carrying Amount

Fair Value

(In millions)

$

73

$

73

$

91

$

91

Long-term debt, including current portion (b)

19,620

18,263

20,366

20,361

(a)  Includes the current portion of notes receivable which is recorded in prepayments and other current assets on the Company's consolidated balance sheets.
(b)  Excludes deferred financing costs, which are recorded as a reduction to long-term debt on the Company's consolidated balance sheets.

The fair value of the Company's publicly-traded long-term debt is based on quoted market prices and is classified as Level 
2 within the fair value hierarchy.  The fair value of debt securities, non publicly-traded long-term debt, and certain notes receivable 
of the Company are based on expected future cash flows discounted at market interest rates or current interest rates for similar 
instruments with equivalent credit quality and are classified as Level 3 within the fair value hierarchy. 

147

 
 
Fair Value Accounting under ASC 820

ASC 820 establishes a fair value hierarchy that prioritizes the inputs to valuation techniques used to measure fair value into 

three levels as follows:

•  Level 1 — quoted prices (unadjusted) in active markets for identical assets or liabilities that the Company has the ability 
to access as of the measurement date. NRG's financial assets and liabilities utilizing Level 1 inputs include active exchange-
traded securities, energy derivatives, and trust fund investments.

•  Level 2 — inputs other than quoted prices included within Level 1 that are directly observable for the asset or liability 
or indirectly observable through corroboration with observable market data. NRG's financial assets and liabilities utilizing 
Level 2 inputs include fixed income securities, exchange-based derivatives, and over the counter derivatives such as 
swaps, options and forward contracts.

•  Level 3 — unobservable inputs for the asset or liability only used when there is little, if any, market activity for the asset 
or liability at the measurement date. NRG's financial assets and liabilities utilizing Level 3 inputs include infrequently-
traded, non-exchange-based derivatives and commingled investment funds, and are measured using present value pricing 
models.

In accordance with ASC 820, the Company determines the level in the fair value hierarchy within which each fair value 

measurement in its entirety falls, based on the lowest level input that is significant to the fair value measurement in its entirety.

Recurring Fair Value Measurements

Debt securities, equity securities, and trust fund investments, which are comprised of various U.S. debt and equity securities, 

and derivative assets and liabilities, are carried at fair market value.  

The following tables present assets and liabilities measured and recorded at fair value on the Company's consolidated balance 

sheets on a recurring basis and their level within the fair value hierarchy:

As of December 31, 2015

Fair Value

Level 1

Level 2

Level 3

Total

$

— $

Investment in available-for-sale securities (classified within other non-current

assets):

Debt securities
Available-for-sale securities
Other (a)

Nuclear trust fund investments:
Cash and cash equivalents
U.S. government and federal agency obligations
Federal agency mortgage-backed securities
Commercial mortgage-backed securities
Corporate debt securities
Equity securities
Foreign government fixed income securities

Other trust fund investments:

U.S. government and federal agency obligations

Derivative assets:

Commodity contracts

Total assets
Derivative liabilities:

Commodity contracts
Interest rate contracts

Total liabilities

9
14

6
54
—
—
—
280
—

1

622
986

868
—
868

$

$

$

(In millions)

— $
—
—

—
1
59
25
81
—
1

—

$

17
—
—

—
—
—
—
—
54
—

—

17
9
14

6
55
59
25
81
334
1

1

1,449
1,616

1,036
128
1,164

$

$

$

$

$

$

149
220

182
—
182

$

$

$

2,220
2,822

2,086
128
2,214

(a)  Consists primarily of mutual funds held in a rabbi trust for non-qualified deferred compensation plans for some key and highly compensated employees 

and a total return swap that does not meet the definition of a derivative.  

148

 
 
 
Investment in available-for-sale securities (classified within other non-current

assets):

Debt securities
Available-for-sale securities
Other (a)

Nuclear trust fund investments:
Cash and cash equivalents
U.S. government and federal agency obligations
Federal agency mortgage-backed securities
Commercial mortgage-backed securities
Corporate debt securities
Equity securities
Foreign government fixed income securities

Other trust fund investments:

U.S. government and federal agency obligations

Derivative assets:

Commodity contracts
Interest rate contracts
Equity contracts

Total assets
Derivative liabilities:

Commodity contracts
Interest rate contracts

Total liabilities

As of December 31, 2014

Fair Value

Level 1

Level 2

Level 3

Total

(In millions)

$

— $
30
21

— $
—
—

14
44
—
—
—
292
—

1

1,078
—
—
1,480

1,004
—
1,004

$

$

$

—
3
74
25
78
—
3

—

1,515
2
—
1,700

1,093
165
1,258

$

$

$

$

$

$

18
—
11

—
—
—
—
—
52
—

—

309
—
1
391

230
—
230

$

$

$

$

18
30
32

14
47
74
25
78
344
3

1

2,902
2
1
3,571

2,327
165
2,492

(a)  Primarily consists of mutual funds held in a rabbi trusts for non-qualified deferred compensation plans for certain former employees and a total return 

swap that does not meet the definition of a derivative.

There have been no transfers during the year ended December 31, 2015, between Levels 1 and 2.  The following tables 
reconcile, for the years ended December 31, 2015, and 2014, the beginning and ending balances for financial instruments that are 
recognized at fair value in the consolidated financial statements at least annually using significant unobservable inputs:

For the Year Ended December 31, 2015

Fair Value Measurement Using Significant Unobservable Inputs (Level 3)

Debt
Securities

Other

Trust Fund
Investments

Derivatives (a)

Total

Beginning balance as of January 1, 2015

$

18

$

11

(In millions)
52
$

$

Total losses realized/unrealized:
Included in earnings
Included in nuclear decommissioning obligations

Purchases
Transfers into Level 3 (b)
Transfers out of Level 3 (b)
Ending balance as of December 31, 2015
Losses for the period included in earnings attributable to the
change in unrealized gains or losses relating to assets or
liabilities still held as of December 31, 2015

$

$

(a)  Consists of derivatives assets and liabilities, net.

(1)
—
—
—
—
17

$

(11)
—
—
—
—
— $

—
(2)
4
—
—
54

$

80

$

161

(100)
—
(19)
3
3
(33) $

(112)
(2)
(15)
3
3
38

— $

— $

— $

(30) $

(30)

(b)  Transfers in/out of Level 3 are related to the availability of external broker quotes, and are valued as of the end of the reporting period.  All transfers in/

out are with Level 2.

149

 
 
 
 
 
 
 
Beginning balance as of January 1, 2014

$

16

$

Total gains/(losses) realized/unrealized:

Included in OCI

Included in earnings

Included in nuclear decommissioning obligations

Purchases

Contracts acquired in Dominion and EME acquisitions

Sales
Transfers into Level 3 (b)
 Transfer out of Level 3 (b)

Ending balance as of December 31, 2014

Gains for the period included in earnings attributable to the
change in unrealized gains or losses relating to assets or
liabilities still held as of December 31, 2014

$

$

For the Year Ended December 31, 2014

Fair Value Measurement Using Significant Unobservable Inputs (Level 3)

Debt
Securities

Other

Trust Fund
Investments

Derivatives (a)

Total

(In millions)
56
$

$

13

$

95

—

—
(5)
2

—
(1)
—

—

52

—
(24)
—

49

39

—

2

1

2
(23)
(5)
51

39
(1)
2

1

$

80

$

161

$

10

—

1

—

—

—

—

—

—

11

2

—

—

—

—

—

—

—

18

$

— $

— $

— $

20

$

20

(a)  Consists of derivatives assets and liabilities, net.
(b)  Transfers in/out of Level 3 are related to the availability of external broker quotes, and are valued as of the end of the reporting period.  All transfers in/

out are with Level 2.

Realized and unrealized gains and losses included in earnings that are related to the energy derivatives are recorded in 

operating revenues and cost of operations.

Non-derivative fair value measurements

NRG's investments in debt securities are classified as Level 3 and consist of non-traded debt instruments that are valued 

based on third-party market value assessments.

The trust fund investments are held primarily to satisfy NRG's nuclear decommissioning obligations.  These trust fund 
investments hold debt and equity securities directly and equity securities indirectly through commingled funds.  The fair values 
of equity securities held directly by the trust funds are based on quoted prices in active markets and are categorized in Level 1.  
In addition, U.S. government and federal agency obligations are categorized as Level 1 because they trade in a highly liquid and 
transparent market.  The fair values of corporate debt securities are based on evaluated prices that reflect observable market 
information, such as actual trade information of similar securities, adjusted for observable differences and are categorized in
Level 2.  Certain equity securities, classified as commingled funds, are analogous to mutual funds, are maintained by investment 
companies, and hold certain investments in accordance with a stated set of fund objectives.  The fair value of the equity securities 
classified as commingled funds are based on net asset values per fund share (the unit of account), derived from the quoted prices 
in active markets of the underlying equity securities.  However, because the shares in the commingled funds are not publicly 
quoted, not traded in an active market and are subject to certain restrictions regarding their purchase and sale, the commingled 
funds are categorized in Level 3.  See also Note 6, Nuclear Decommissioning Trust Fund.

150

 
 
 
 
Derivative fair value measurements

A portion of NRG's contracts are exchange-traded contracts with readily available quoted market prices.  A majority of 
NRG's contracts are non-exchange-traded contracts valued using prices provided by external sources, primarily price quotations 
available through brokers or over-the-counter and on-line exchanges.  For the majority of NRG markets, the Company receives 
quotes from multiple sources.  To the extent that NRG receives multiple quotes, the Company's prices reflect the average of the
bid-ask mid-point prices obtained from all sources that NRG believes provide the most liquid market for the commodity. If the 
Company receives one quote, then the mid-point of the bid-ask spread for that quote is used.  The terms for which such price 
information is available vary by commodity, region and product.  A significant portion of the fair value of the Company's derivative 
portfolio is based on price quotes from brokers in active markets who regularly facilitate those transactions and the Company 
believes such price quotes are executable.  The Company does not use third party sources that derive price based on proprietary 
models or market surveys.  The remainder of the assets and liabilities represents contracts for which external sources or observable 
market quotes are not available. These contracts are valued based on various valuation techniques including but not limited to 
internal  models  based  on  a  fundamental  analysis  of  the  market  and  extrapolation  of  observable  market  data  with  similar 
characteristics.  Contracts valued with prices provided by models and other valuation techniques make up 7% of derivative assets 
and 8% of derivative liabilities.  The fair value of each contract is discounted using a risk free interest rate.  In addition, the 
Company applies a credit reserve to reflect credit risk, which for interest rate swaps is calculated utilizing the bilateral method 
based on published default probabilities.  For commodities, to the extent that NRG's net exposure under a specific master agreement 
is an asset, the Company uses the counterparty's default swap rate.  If the exposure under a specific master agreement is a liability, 
the Company uses NRG's default swap rate.  For interest rate swaps and commodities, the credit reserve is added to the discounted 
fair value to reflect the exit price that a market participant would be willing to receive to assume NRG's liabilities or that a market 
participant would be willing to pay for NRG's assets.  As of December 31, 2015, the credit reserve resulted in a $5 million increase 
in fair value which is composed of a $2 million gain in OCI and a $3 million gain in operating revenue and cost of operations.  As 
of December 31, 2014 the credit reserve resulted in a $2 million increase in fair value which is reflected as a gain in OCI.

The fair values in each category reflect the level of forward prices and volatility factors as of December 31, 2015, and may 
change as a result of changes in these factors. Management uses its best estimates to determine the fair value of commodity and 
derivative contracts NRG holds and sells. These estimates consider various factors including closing exchange and over-the-
counter price quotations, time value, volatility factors and credit exposure. It is possible, however, that future market prices could 
vary from those used in recording assets and liabilities from energy marketing and trading activities and such variations could be 
material.

NRG's significant positions classified as Level 3 include physical and financial power and physical coal executed in illiquid 
markets as well as financial transmission rights, or FTRs. The significant unobservable inputs used in developing fair value include 
illiquid power and coal location pricing which is derived as a basis to liquid locations. The basis spread is based on observable 
market data when available or derived from historic prices and forward market prices from similar observable markets when not 
available. For FTRs, NRG uses the most recent auction prices to derive the fair value. 

The following tables quantify the significant unobservable inputs used in developing the fair value of the Company's Level 

3 positions as of December 31, 2015, and December 31, 2014:

Significant Unobservable Inputs

December 31, 2015

Fair Value

Input/Range

Assets

Liabilities

Valuation
Technique

Power Contracts

$

86

$

Coal Contracts

FTRs

—

63

$

149

$

Discounted
Cash Flow

Discounted
Cash Flow
Discounted
Cash Flow

100

12

70

182

Significant
Unobservable
Input

(In millions)
Forward Market
Price (per MWh)

Forward Market
Price (per ton)
Auction Prices (per
MWh)

Low

High

Weighted
Average

$

10

$

92

$

28

(98)

45

87

27

35

—

151

Significant Unobservable Inputs

December 31, 2014

Fair Value

Input/Range

Assets

Liabilities

Valuation
Technique

Power Contracts

$

195

$

154

Coal Contracts

FTRs

3

111

309

$

1

75

230

$

Discounted
Cash Flow
Discounted
Cash Flow
Discounted
Cash Flow

Significant
Unobservable
Input

(In millions)

Forward Market
Price (per MWh)
Forward Market
Price (per ton)
Auction Prices (per
MWh)

Low

High

Weighted
Average

$

15

$

92

$

53

(29)

56

30

47

54

—

 The following table provides sensitivity of fair value measurements to increases/(decreases) in significant unobservable 

inputs as of December 31, 2015, and December 31, 2014:

Significant Unobservable Input
Forward Market Price Power/Coal

Forward Market Price Power/Coal

FTR Prices

FTR Prices

Position
Buy

Sell

Buy

Sell

Change In Input
Increase/(Decrease)

Increase/(Decrease)

Increase/(Decrease)

Increase/(Decrease)

Impact on Fair Value
Measurement
Higher/(Lower)

Lower/(Higher)

Higher/(Lower)

Lower/(Higher)

Under the guidance of ASC 815, entities may choose to offset cash collateral paid or received against the fair value of 
derivative positions executed with the same counterparties under the same master netting agreements.  The Company has chosen 
not to offset positions as defined in ASC 815.  As of December 31, 2015, the Company recorded $568 million of cash collateral 
paid and $106 million of cash collateral received on its balance sheet.

Concentration of Credit Risk

In addition to the credit risk discussion as disclosed in Note 2, Summary of Significant Accounting Policies, the following 
item is a discussion of the concentration of credit risk for the Company's financial instruments. Credit risk relates to the risk of 
loss resulting from non-performance or non-payment by counterparties pursuant to the terms of their contractual obligations.  The 
Company monitors and manages credit risk through credit policies that include: (i) an established credit approval process; (ii) a 
daily monitoring of counterparties' credit limits; (iii) the use of credit mitigation measures such as margin, collateral, prepayment 
arrangements, or volumetric limits; (iv) the use of payment netting agreements; and (v) the use of master netting agreements that 
allow for the netting of positive and negative exposures of various contracts associated with a single counterparty. Risks surrounding 
counterparty performance and credit could ultimately impact the amount and timing of expected cash flows. The Company seeks 
to mitigate counterparty risk by having a diversified portfolio of counterparties. The Company also has credit protection within 
various agreements to call on additional collateral support if and when necessary. Cash margin is collected and held at NRG to 
cover the credit risk of the counterparty until positions settle.

152

Counterparty Credit Risk

As of December 31, 2015, counterparty credit exposure, excluding credit risk exposure under certain long-term agreements, 
was $969 million and NRG held collateral (cash and letters of credit) against those positions of $240 million, resulting in a net 
exposure of $733 million.  Approximately 97% of the Company's exposure before collateral is expected to roll off by the end of 
2017.  Counterparty credit exposure is valued through observable market quotes and discounted at a risk free interest rate.  The 
following tables highlight net counterparty credit exposure by industry sector and by counterparty credit quality.  Net counterparty 
credit exposure is defined as the aggregate net asset position for NRG with counterparties where netting is permitted under the 
enabling agreement and includes all cash flow, mark-to-market and NPNS, and non-derivative transactions.  The exposure is 
shown net of collateral held, and includes amounts net of receivables or payables.

Category
Financial institutions
Utilities, energy merchants, marketers and other
ISOs

Total

Category
Investment grade
Non-Investment grade
Non-Rated
Total

Net Exposure (a)
(% of Total)

47%
36
17
100%

Net Exposure (a)
(% of Total)

96%
2
2
100%

(a)  Counterparty credit exposure excludes uranium and coal transportation contracts because of the unavailability of market prices.

NRG has counterparty credit risk exposure to certain counterparties, each of which represent more than 10% of total net 
exposure discussed above.  The aggregate of such counterparties' exposure was $247 million.  Changes in hedge positions and 
market prices will affect credit exposure and counterparty concentration. Given the credit quality, diversification and term of the 
exposure in the portfolio, NRG does not anticipate a material impact on the Company's financial position or results of operations 
from nonperformance by any of NRG's counterparties.

Counterparty credit exposure described above excludes credit risk exposure under certain long term agreements, including 
California tolling agreements, Gulf Coast load obligations, wind and solar PPAs, and a coal supply agreement.  As external sources 
or observable market quotes are not available to estimate such exposure, the Company values these contracts based on various 
techniques including, but not limited to, internal models based on a fundamental analysis of the market and extrapolation of 
observable market data with similar characteristics.  Based on these valuation techniques, as of December 31, 2015, aggregate 
credit risk exposure managed by NRG to these counterparties was approximately $3.7 billion, including $2.7 billion related to 
assets of NRG Yield, Inc., for the next five years.  This amount excludes potential credit exposures for projects with long term 
PPAs that have not reached commercial operations.  The majority of these power contracts are with utilities or public power entities 
with strong credit quality and public utility commission or other regulatory support.  However, such regulated utility counterparties 
can be impacted by changes in government regulations, which NRG is unable to predict.  In the case of the coal supply agreement, 
NRG holds a lien against the underlying asset which significantly reduces the risk of loss.

Retail Customer Credit Risk

NRG is exposed to retail credit risk through the Company's retail electricity providers, which serve C&I customers and the 
Mass  market.  Retail  credit  risk  results  when  a  customer  fails  to  pay  for  services  rendered. The  losses  may  result  from  both 
nonpayment of customer accounts receivable and the loss of in-the-money forward value. NRG manages retail credit risk through 
the use of established credit policies that include monitoring of the portfolio and the use of credit mitigation measures such as 
deposits or prepayment arrangements.

As of December 31, 2015, the Company's retail customer credit exposure to C&I and Mass customers was diversified across 
many customers and various industries, as well as government entities. The Company is also subject to risk with respect to its 
NRG Home Solar customers. The Company's bad debt expense was $64 million, $64 million, and $67 million for the years ending 
December 31, 2015, 2014, and 2013, respectively.  Current economic conditions may affect the Company's customers' ability to 
pay bills in a timely manner, which could increase customer delinquencies and may lead to an increase in bad debt expense.

153

Note 5 — Accounting for Derivative Instruments and Hedging Activities 

ASC 815 requires NRG to recognize all derivative instruments on the balance sheet as either assets or liabilities and to 
measure them at fair value each reporting period unless they qualify for a NPNS exception.  NRG may elect to designate certain 
derivatives as cash flow hedges, if certain conditions are met, and defer the effective portion of the change in fair value of the 
derivatives to accumulated OCI, until the hedged transactions occur and are recognized in earnings.  The ineffective portion of a 
cash flow hedge is immediately recognized in earnings.

For derivatives designated as hedges of the fair value of assets or liabilities, the changes in fair value of both the derivative 

and the hedged transaction are recorded in current earnings.

For derivatives that are not designated as cash flow hedges or do not qualify for hedge accounting treatment, the changes 
in the fair value will be immediately recognized in earnings.  Certain derivative instruments may qualify for the NPNS exception 
and are therefore exempt from fair value accounting treatment.  ASC 815 applies to NRG's energy related commodity contracts, 
interest rate swaps, and equity contracts.

As the Company engages principally in the trading and marketing of its generation assets and retail businesses, some of 
NRG's commercial activities qualify for hedge accounting.  In order for the generation assets to qualify, the physical generation 
and sale of electricity should be highly probable at inception of the trade and throughout the period it is held, as is the case with 
the Company's baseload plants.  For this reason, many trades in support of NRG's baseload units normally qualify for NPNS or 
cash flow hedge accounting treatment, and trades in support of NRG's peaking units' asset optimization will generally not qualify 
for hedge accounting treatment, with any changes in fair value likely to be reflected on a mark-to-market basis in the statement 
of operations.  Most of the retail load contracts either qualify for the NPNS exception or fail to meet the criteria for a derivative 
and the majority of the retail supply and fuels supply contracts are recorded under mark-to-market accounting.  All of NRG's 
hedging and trading activities are subject to limits within the Company's Risk Management Policy.

Energy-Related Commodities

To manage the commodity price risk associated with the Company's competitive supply activities and the price risk associated 
with wholesale power sales from the Company's electric generation facilities and retail power sales from NRG's retail businesses, 
NRG enters into a variety of derivative and non-derivative hedging instruments, utilizing the following:

• 

• 

• 

Forward contracts, which commit NRG to purchase or sell energy commodities or purchase fuels in the future;

Futures contracts, which are exchange-traded standardized commitments to purchase or sell a commodity or financial 
instrument;

Swap agreements, which require payments to or from counterparties based upon the differential between two prices for 
a predetermined contractual, or notional, quantity;

•  Option contracts, which convey to the option holder the right but not the obligation to purchase or sell a commodity;

•  Extendable swaps, which include a combination of swaps and options executed simultaneously for different periods.  This 
combination of instruments allows NRG to sell out-year volatility through call options in exchange for natural gas swaps 
with fixed prices in excess of the market price for natural gas at that time.  The above-market swap combined with its 
later-year call option are priced in aggregate at market at the trade's inception; and

•  Weather and hurricane derivative products used to mitigate a portion of Reliant Energy's lost revenue due to weather.

The objectives for entering into derivative contracts designated as hedges include:

• 

• 

• 

Fixing the price for a portion of anticipated future electricity sales that provides an acceptable return on the Company's 
electric generation operations;

Fixing the price of a portion of anticipated fuel purchases for the operation of the Company's power plants; and

Fixing the price of a portion of anticipated power purchases for the Company's retail sales.

NRG's trading and hedging activities are subject to limits within the Company's Risk Management Policy. These contracts 
are recognized on the balance sheet at fair value and changes in the fair value of these derivative financial instruments are recognized 
in earnings.

154

As of December 31, 2015, NRG's derivative assets and liabilities consisted primarily of the following:

• 

• 

Forward and financial contracts for the purchase/sale of electricity and related products economically hedging NRG's 
generation assets' forecasted output or NRG's retail load obligations through 2021;

Forward and financial contracts for the purchase of fuel commodities relating to the forecasted usage of NRG's generation 
assets through 2018; and

•  Other energy derivatives instruments extending through 2024.

Also, as of December 31, 2015, NRG had other energy-related contracts that did not meet the definition of a derivative 

instrument or qualified for the NPNS exception and were therefore exempt from fair value accounting treatment as follows:

•  Load-following forward electric sale contracts extending through 2026;

• 

Power tolling contracts through 2039;

•  Coal purchase contract through 2018;

• 

Power transmission contracts through 2025;

•  Natural gas transportation contracts and storage agreements through 2030; and

•  Coal transportation contracts through 2029.

Interest Rate Swaps

NRG is exposed to changes in interest rates through the Company's issuance of variable rate debt. In order to manage the 
Company's interest rate risk, NRG enters into interest rate swap agreements.  As of December 31, 2015, NRG had interest rate 
derivative instruments on non-recourse debt extending through 2032, the majority of which are designated as cash flow hedges.

Volumetric Underlying Derivative Transactions

The following table summarizes the net notional volume buy/(sell) of NRG's open derivative transactions broken out by 
commodity, excluding those derivatives that qualified for the NPNS exception as of December 31, 2015, and 2014. Option contracts 
are reflected using delta volume.   Delta volume equals the notional volume of an option adjusted for the probability that the option 
will be in-the-money at its expiration date.

Commodity

Units

Short Ton
Short Ton

Emissions
Coal
Natural Gas MMBtu
Oil
Power
Capacity
Interest
Equity

Barrel
MWh
MW/Day
Dollars
Shares

Total Volume

December 31,
2015

December 31,
2014

(In millions)

1
35
293
1
(74)
(1)
2,326
1

$

2
57
(58)
1
(56)
—
3,440
2

$

The increase in the natural gas position was primarily the result of additional retail hedges, as well as the settlement of 
generation hedge positions.  The decrease in the interest rate position was primarily the result of settling the Alta X and Alta XI 
interest rate swaps in connection with the repayment of project-level debt, as described in Note 12, Debt and Capital Leases.

155

 
 
 
 
 
Fair Value of Derivative Instruments

The following table summarizes the fair value within the derivative instrument valuation on the balance sheet:

(In millions)
Derivatives Designated as Cash Flow or Fair Value 

Hedges:

Fair Value

Derivative Assets

Derivative Liabilities

December 31,
2015

December 31,
2014

December 31,
2015

December 31,
2014

Interest rate contracts current

$

— $

— $

Interest rate contracts long-term
Total Derivatives Designated as Cash Flow or Fair

Value Hedges

Derivatives Not Designated as Cash Flow or Fair 

Value Hedges:

Interest rate contracts current

Interest rate contracts long-term

Commodity contracts current
Commodity contracts long-term

Equity contracts long-term
Total Derivatives Not Designated as Cash Flow or Fair

Value Hedges

Total Derivatives

—

—

—

—

1,915
305

—

2,220

2

2

—

—

2,425
477

1

2,903

$

42

68

110

5

13

1,674
412

—

2,104

55

74

129

8

28

1,991
336

—

2,363

2,492

$

2,220

$

2,905

$

2,214

$

The Company has elected to present derivative assets and liabilities on the balance sheet on a trade-by-trade basis and 
does not offset amounts at the counterparty master agreement level.  In addition, collateral received or paid on the Company's 
derivative assets or liabilities are recorded on a separate line item on the balance sheet.  The following table summarizes the 
offsetting derivatives by counterparty master agreement level and collateral received or paid:

Gross Amounts Not Offset in the Statement of Financial Position

Gross Amounts of
Recognized Assets/
Liabilities

Derivative
Instruments

Cash Collateral
(Held)/Posted

Net Amount

As of December 31, 2015
Commodity contracts:

Derivative assets

Derivative liabilities
Total commodity contracts
Interest rate contracts:

Derivative liabilities

Total derivative instruments

$

$

2,220

$

(2,086)

134

(128)

6

$

(In millions)

(1,616) $
1,616

—

—

(113) $
271

158

—

— $

158

$

491
(199)
292

(128)
164

156

 
 
 
 
 
 
 
 
 
 
 
Gross Amounts Not Offset in the Statement of Financial Position

Gross Amounts of
Recognized Assets/
Liabilities

Derivative
Instruments

Cash Collateral
(Held)/Posted

Net Amount

As of December 31, 2014

Commodity contracts:

Derivative assets

$

2,902

$

Derivative liabilities
Total commodity contracts

Interest rate contracts:

Derivative assets

Derivative liabilities

Total interest rate contracts

Equity contracts:

Derivative assets

Total derivative instruments

$

Accumulated Other Comprehensive Income

(2,327)

575

2

(165)

(163)

1

413

$

(In millions)

(2,155) $
2,155

—

(2)
2

—

—

— $

(72) $
27
(45)

—

—

—

—
(45) $

675
(145)
530

—
(163)
(163)

1

368

The following tables summarize the effects on NRG's accumulated OCI balance attributable to cash flow hedge derivatives, 

net of tax:

Accumulated OCI balance at December 31, 2014

Reclassified from accumulated OCI to income:

Due to realization of previously deferred amounts

Mark-to-market of cash flow hedge accounting contracts

Accumulated OCI balance at December 31, 2015, net of $16 tax

Losses expected to be realized from OCI during the next 12 months, net

of $3 tax

$

$

Year Ended December 31, 2015

Energy
Commodities

Interest
Rate

(In millions)

Total

(1) $

(67) $

(68)

1

—

—

14
(48)
(101)

— $

(18) $

15
(48)
(101)

(18)

There were no gains or losses recognized in income from the ineffective portion of cash flow hedges for the year ended 

December 31, 2015. 

Accumulated OCI balance at December 31, 2013

Reclassified from accumulated OCI to income:

Due to realization of previously deferred amounts
Mark-to-market of cash flow hedge accounting contracts
Accumulated OCI balance at December 31, 2014, net of $35 tax

$

$

Year Ended December 31, 2014

Energy
Commodities

Interest
Rate

(In millions)

Total

(1) $

(22) $

—
—
(1) $

13
(58)
(67) $

(23)

13
(58)
(68)

There were no gains or losses recognized in income from the ineffective portion of cash flow hedges for the year ended 

December 31, 2014. 

157

 
 
 
 
 
 
 
 
 
 
 
 
Accumulated OCI balance at December 31, 2012

Reclassified from accumulated OCI to income:

Due to realization of previously deferred amounts
Mark-to-market of cash flow hedge accounting contracts
Accumulated OCI balance at December 31, 2013, net of $14 tax

$

$

Year Ended December 31, 2013

Energy
Commodities

Interest
Rate

(In millions)

Total

41

$

(72) $

(51)
9
(1) $

20
30
(22) $

(31)

(31)
39
(23)

There were no gains or losses recognized in income from the ineffective portion of cash flow hedges for the year ended 

December 31, 2013. 

Amounts reclassified from accumulated OCI into income and amounts recognized in income from the ineffective portion 
of cash flow hedges are recorded to operating revenue for commodity contracts and interest expense for interest rate contracts.

Impact of Derivative Instruments on the Statement of Operations

Unrealized gains and losses associated with changes in the fair value of derivative instruments not accounted for as cash 

flow hedges and ineffectiveness of hedge derivatives are reflected in current period earnings.

The following table summarizes the pre-tax effects of economic hedges that have not been designated as cash flow hedges, 
ineffectiveness on cash flow hedges, and trading activity on NRG's statement of operations. The effect of commodity hedges is 
included within operating revenues and cost of operations and the effect of interest rate hedges is included in interest expense.

Unrealized mark-to-market results

Reversal of previously recognized unrealized gains on settled positions

related to economic hedges

Reversal of acquired gain positions related to economic hedges

Net unrealized gains on open positions related to economic hedges

Total unrealized mark-to-market (losses)/gains for economic hedging

activities

Reversal of previously recognized unrealized (gains)/losses on settled

positions related to trading activity

Reversal of acquired gain positions related to trading activity

Net unrealized (losses)/gains on open positions related to trading activity

Total unrealized mark-to-market (losses)/gains for trading activity

Total unrealized (losses)/gains

Unrealized (losses)/gains included in operating revenues

Unrealized (losses)/gains included in cost of operations

Total impact to statement of operations — energy commodities

Total impact to statement of operations — interest rate contracts

Year Ended December 31,

2015

2014

(In millions)

2013

$

$

$

$

$

(275) $
(106)
9

(372)

(46)
(14)
(16)
(76)
(448) $

(15) $
(333)
361

13

1
(32)
45

14

27

$

Year Ended December 31,

2015

2014

(In millions)

2013

(320) $
(128)
(448) $
$
17

$

515
(488)
27
$
(31) $

(105)
(357)
177

(285)

(50)
—

7
(43)
(328)

(621)
293
(328)
15

The reversal of gain or loss positions acquired as part of acquisitions were valued based upon the forward prices on the 
acquisition dates.  The roll-off amounts were offset by realized gains or losses at the settled prices and are reflected in revenue or 
cost of operations during the same period.

For the year ended December 31, 2015, the $9 million gain from economic hedge positions was primarily the result of an 

increase in the value of forward sales of electricity due to a decrease in power prices.

158

 
 
 
 
 
 
 
 
 
 
 
For the year ended December 31, 2014, the $361 million gain from economic hedge positions was primarily the result of an 

increase in the value of forward sales of natural gas due to a decrease in natural gas prices.

During 2014, NRG had interest rate swaps designated as cash flow hedges on the Dandan solar project.  The notional amount 
on the swaps exceeded the actual debt draws on the project.  As such, NRG discontinued cash flow hedge accounting for these 
contracts and $6 million of losses previously deferred in OCI was recognized in the statement of operations for the year ended 
December 31, 2014.

For the year ended December 31, 2013, the $177 million gain from economic hedge positions was primarily the result of an 
increase in the value of forward sales of natural gas and electricity due to a decrease in forward power and gas prices and an 
increase in the value of forward purchases of coal due to an increase in forward coal prices.

During 2013, NRG had interest rate swaps designated as cash flow hedges on the CVSR solar project.  The notional amount 
on the swaps exceeded the actual debt draws on the project.  As such, NRG discontinued cash flow hedge accounting for these 
contracts and $5 million of losses previously deferred in OCI was recognized in the statement of operations for the year ended 
December 31, 2013.

Credit Risk Related Contingent Features

Certain of the Company's hedging agreements contain provisions that require the Company to post additional collateral if 
the counterparty determines that there has been deterioration in credit quality, generally termed "adequate assurance" under the 
agreements, or require the Company to post additional collateral if there were a one notch downgrade in the Company's credit 
rating.   The collateral required for contracts that have adequate assurance clauses that are in net liability positions as of December 31, 
2015, was $204 million.  The collateral required for contracts with credit rating contingent features that are in a net liability position 
as of December 31, 2015, was $34 million.  The Company is also a party to certain marginable agreements under which it has a 
net  liability  position,  but  the  counterparty  has  not  called  for  the  collateral  due,  which  was  approximately  $3  million  as  of 
December 31, 2015.

See Note 4, Fair Value of Financial Instruments, for discussion regarding concentration of credit risk.

Note 6 — Nuclear Decommissioning Trust Fund 

NRG's Nuclear Decommissioning Trust Fund assets, which are for the decommissioning of STP, are comprised of securities 
classified as available-for-sale and recorded at fair value based on actively quoted market prices. Although NRG is responsible 
for managing the decommissioning of its 44% interest in STP, the predecessor utilities that owned STP are authorized by the PUCT 
to collect decommissioning funds from their ratepayers to cover decommissioning costs on behalf of NRG. NRC requirements 
determine the decommissioning cost estimate which is the minimum required level of funding. In the event that funds from the 
ratepayers that accumulate in the nuclear decommissioning trust are ultimately determined to be inadequate to decommission the 
STP facilities, the utilities will be required to collect through rates charged to rate payers all additional amounts, with no obligation 
from NRG, provided that NRG has complied with PUCT rules and regulations regarding decommissioning trusts. Following 
completion of the decommissioning, if surplus funds remain in the decommissioning trusts, any excess will be refunded to the 
respective ratepayers of the utilities.

NRG accounts for the Nuclear Decommissioning Trust Fund in accordance with ASC 980, Regulated Operations, or ASC 
980, because the Company's nuclear decommissioning activities are subject to approval by the PUCT, with regulated rates that 
are designed to recover all decommissioning costs and that can be charged to and collected from the ratepayers per PUCT mandate. 
Since  the  Company  is  in  compliance  with  PUCT  rules  and  regulations  regarding  decommissioning  trusts  and  the  cost  of 
decommissioning is the responsibility of the Texas ratepayers, not NRG, all realized and unrealized gains or losses (including 
other-than-temporary  impairments)  related  to  the  Nuclear  Decommissioning  Trust  Fund  are  recorded  to  the  Nuclear 
Decommissioning Trust Liability and are not included in net income or accumulated other comprehensive income, consistent with 
regulatory treatment.

159

The following table summarizes the aggregate fair values and unrealized gains and losses (including other-than-temporary 
impairments) for the securities held in the trust funds, as well as information about the contractual maturities of those securities.  

As of December 31, 2015

As of December 31, 2014

(In millions, except otherwise noted)

Fair
Value

Unrealized
Gains

Unrealized
Losses

Cash and cash equivalents

$

6

$

— $

U.S. government and federal agency

obligations

Federal agency mortgage-backed securities

Commercial mortgage-backed securities

Corporate debt securities

Equity securities

Foreign government fixed income securities

55

59

25

81

334

1

1

1

—

1

199

—

Total

$

561

$

202

$

—

—

—

2

1

—

—

3

Weighted-
average
maturities
(in years)

Fair
Value

Unrealized
Gains 

Unrealized
Losses

Weighted-
average
maturities
(in years)

— $

14

$

— $

11

25

28

10

—

9

47

74

25

78

344

3

2

2

—

2

211

1

  $

585

$

218

$

—

—

—

1

1

—

—

2

—

11

25

30

11

—

16

The following table summarizes proceeds from sales of available-for-sale securities and the related realized gains and losses 

from these sales. The cost of securities sold is determined using the specific identification method.

Realized gains
Realized losses
Proceeds from sale of securities

Note 7 — Inventory 

Inventory consisted of:

Fuel oil
Coal/Lignite
Natural gas
Spare parts
Other

Total Inventory

Year Ended December 31,

2015

2014

(In millions)

2013

$

$

21
14
631

$

29
8
600

25
8
488

As of December 31,

2015

2014

$

$

$

(In millions)
312
471
12
437
20
1,252

$

375
414
16
424
18
1,247

During the year ended December 31, 2015, the Company recorded a lower of weighted average cost or market adjustment 

related to fuel oil of $19 million.

Note 8 — Notes Receivable 

Notes receivable consist of fixed and variable rate notes related primarily to amounts owed to the Company from transmission 

owners for certain projects for the financing of network upgrades. NRG's notes receivable were as follows:

Notes receivable

Less current maturities(a)

Total notes receivable — noncurrent

As of December 31,

2015

2014

(In millions)

$

$

73
20

53

$

$

91
19

72

(a)  The current portion of notes receivable is recorded in prepayments and other current assets on the consolidated balance sheets.

160

 
 
 
 
 
Note 9 — Property, Plant and Equipment 

NRG's major classes of property, plant, and equipment were as follows:

Facilities and equipment
Land and improvements
Nuclear fuel
Office furnishings and equipment
Construction in progress

Total property, plant, and equipment

Accumulated depreciation

Net property, plant, and equipment

Depreciable

Lives

1-40 Years

5 Years
2-10 Years

As of December 31,

2015

2014

(In millions)

22,676
1,226
545
462
627
25,536
(6,804)
18,732

$

$

27,457
1,194
490
346
770
30,257
(7,890)
22,367

$

$

The Company recorded long-lived asset impairments during 2015, as further described in Note 10, Asset Impairments.

Note 10 — Asset Impairments 

2015 Impairment Losses

Seward — As described in Note 3, Business Acquisitions and Dispositions, on November 24, 2015, the Company entered 
into an agreement with Robindale Energy Services, Inc. to sell 100% of its interest in Seward for cash consideration of $75 million.  
The transaction triggered an impairment indicator as the sale price was less than the carrying amount of the assets, and, as a result, 
the assets were considered to be impaired.  The Company measured the impairment loss as the difference between the carrying 
amount of the assets and the agreed-upon sale price.  The Company recorded an impairment loss of $134 million for the year 
ended December 31, 2015, to reduce the carrying amount of the assets held for sale to the fair market value.

Limestone and W.A. Parish — During the fourth quarter of 2015, as the Company updated its view for long-term prices in 
connection with the preparation of its annual budget, it was noted that the cash flows for the Limestone and W.A. Parish coal-
fired facilities located in Texas were lower than the carrying amount, primarily driven by declining power prices as the cost of 
commodities continues to decline and the assets were impaired.  The fair value of the Limestone and W.A. Parish plants was 
determined using an income approach by applying a discounted cash flow methodology to the long-term budgets for each respective 
plant.  The income approach utilized estimates of discounted future cash flows, which were Level 3 fair value measurements, and 
include key inputs such as forecasted power prices, fuel costs and emissions credit expense, forecasted operating and capital 
expenditures and discount rates. The Company measured the impairment loss as the difference between the carrying amount and 
the fair value of the assets and recognized impairment losses of $1,514 million and $1,295 million related to Limestone and W.A. 
Parish, respectively. 

Huntley — On August 25, 2015, the Company filed a notice with the NYSPSC of its intent to retire Huntley's operating units 
on March 1, 2016.  The Company considered this to be an indicator of impairment and performed an impairment test for these 
assets under ASC 360, Property, Plant and Equipment. On October 14, 2015, the Company filed a cost-of-service filing at FERC 
in anticipation that the Huntley operating units would be needed for reliability purposes, proposing a reliability must run service 
agreement for a four-year period beginning on March 1, 2016.  On October 30, 2015, NYISO released the results of its reliability 
study, indicating that the Huntley operating units are not needed for bulk system reliability.  The Company considered the impact 
of the reliability study conducted and evaluated the estimated cash flows associated with the facility.  Accordingly, the Company 
determined that the carrying amount of the assets was higher than the estimated future net cash flows expected to be generated 
by the assets and that the assets were impaired. The fair value of the Huntley operating units was determined using the income 
approach. The income approach utilized estimates of discounted future cash flows, which were Level 3 fair value measurements, 
and include key inputs such as forecasted contract prices, forecasted operating expenses and discount rates. The Company recorded 
an impairment loss of $132 million during the year ended December 31, 2015.

161

 
 
 
 
 
 
 
 
Dunkirk — The Company signed a ten-year agreement in November 2014 with National Grid to add natural gas-burning 
capabilities at the Dunkirk facility.  On August 25, 2015, NRG announced that Dunkirk Unit 2 would be mothballed on January 
1, 2016 at the expiration of its reliability support services agreement. The project to add natural gas-burning capabilities has been 
suspended, pending the outcome of litigation with respect to the gas addition contract and its validity.  On October 30, 2015, 
NYISO released the results of its reliability study, indicating that the Dunkirk facility is not needed for system reliability.  In 
connection with the planned mothball of the facility, the pending litigation and the latest reliability assessment completed by
NYISO, the Company evaluated whether the related fixed assets were impaired. The Company determined that the carrying amount 
of the assets was higher than the estimated future net cash flows expected to be generated by the assets and that the assets were 
impaired. The fair value of the Dunkirk facility was determined using the income approach. The income approach utilized estimates 
of discounted future cash flows, which were Level 3 fair value measurements, and include key inputs such as forecasted contract 
prices, forecasted operating and capital expenditures and discount rates. The Company recorded an impairment loss of $160 million 
during the year ended December 31, 2015.

Gregory — During the fourth quarter of 2015, the Company determined that the carrying amount of the assets was higher 
than the estimated future net cash flows expected to be generated by the assets and that the assets were impaired.  The fair value 
of the Gregory facility was determined using the income approach, which utilized estimates of discounted future cash flows, which 
were Level 3 fair value measurements, and include key inputs such as forecasted prices, operating and capital expenditures and 
discount rates. The Company recorded an impairment loss of $176 million during the year ended December 31, 2015.

Solar Panels — During the fourth quarter of 2015, the Company recorded an impairment loss of $29 million to reduce the 

carrying value of certain solar panels to their approximate fair value. 

Investments — During the fourth quarter of 2015, the Company reviewed certain of its cost method and equity method 
investments and concluded that losses incurred by these investments were other than temporary.  These losses were primarily 
driven by the sustained decline in stock price of a publicly traded investment as well as change in financing structures of certain 
non-publicly traded investments. As a result, the Company recorded losses related to these investments of $56 million. 

2014 Impairment Losses

Coolwater — During the fourth quarter of 2014, the Company determined that it would retire the 636 MW natural-gas fired 
Coolwater facility in Dagget, California.  The facility faced critical repairs on the cooling towers for units 3 and 4 and, during the 
fourth quarter of 2014, did not receive any awards in a near-term capacity auction and no interest in a bilateral capacity deal.  The 
Company considered this to be an indicator of impairment and performed an impairment test for these assets under ASC 360, 
Property, Plant and Equipment.  The carrying amount of the assets was higher than the future net cash flows expected to be 
generated by the assets and as a result, the assets are considered to be impaired.  The Company measured the impairment loss as 
the difference between the carrying amount and the fair value of the assets.  The Company retired the Coolwater facility effective 
January 1, 2015.  All remaining fixed assets of the station were written off resulting in an impairment loss of $22 million recorded 
during the fourth quarter of 2014.

Osceola — During the third quarter of 2014, the Company determined that it would mothball the 463 MW natural gas-fired 
Osceola  facility,  in  Saint  Cloud,  Florida.  The  Company  considered  this  to  be  an  indicator  of  impairment  and  performed  an 
impairment test for these assets under ASC 360, Property, Plant and Equipment.  The carrying amount of the assets was higher 
than the future net cash flows expected to be generated by the assets and as a result, the assets were considered to be impaired.  
The Company measured the impairment loss as the difference between the carrying amount and the fair value of the assets. Due 
to the location of the facility, it was determined that the best indicator of fair value is the market value of the combustion turbines. 
The Company recorded an impairment loss of approximately $60 million during the third quarter of 2014, which represents the 
excess of the carrying value over the fair market value. 

Solar Panels — During the third quarter of 2014, the Company recorded an impairment loss of $10 million to reduce the 

carrying value of certain solar panels to their approximate fair value. 

162

2013 Impairment Losses

Indian River — Annually during the fourth quarter, the Company revises its views of power and fuel prices including the 
Company's view for long-term prices in connection with the preparation of its annual budget.  Changes to the Company’s views 
of long-term power and fuel prices impacted the Company’s projections of profitability, based on management's estimate of supply 
and demand within the sub-markets for each plant and the physical and economic characteristics of each plant.  The Company's 
revised views of projected profitability for Indian River resulted in a significant adverse change in the extent to which the assets 
are expected to be used.  As a result, the Company considered this to be an indicator of impairment and performed an impairment 
test for these assets under ASC 360, Property, Plant and Equipment.  The carrying amount of the assets was higher than the future 
net cash flows expected to be generated by the asset, considering project specific assumptions for long-term power pool prices,
escalated future project operating costs and expected plant operations.  As a result, the assets were considered to be impaired, and 
the Company measured the impairment loss as the difference between the carrying amount and the fair value of the assets.  The 
fair value of the assets was determined by factoring in the probability weighting of different courses of action available to the 
Company and included both an income approach and a market approach.  The Company recorded an impairment loss related to 
Indian River in the fourth quarter of 2013 of $459 million. 

Gladstone — During the fourth quarter of 2013, the Company reviewed its 37.5% interest in Gladstone for impairment 
utilizing the other-than-temporary impairment model under ASC 820, Fair Value Measurements, due to future market expectations 
as well as discussions with the managing joint venture participants regarding the plant's expected life.  In determining fair value, 
the Company utilized an income approach and considered project specific assumptions for future project operating revenues and 
costs and expected plant operations.  The carrying amount of the Company's equity method investment exceeded the fair value 
of the investment and the Company concluded that the decline is considered to be other than temporary. As a result, the Company 
measured the impairment loss as the difference between the carrying amount and fair value of the investment and recorded an 
impairment loss in the fourth quarter of 2013 of $92 million.  

163

Note 11 — Goodwill and Other Intangibles 

Goodwill 

NRG's  goodwill  balance  was  $999  million  as  of  December 31,  2015,  and  $2.6  billion  as  of  December  31,  2014.   The 
Company initially recorded approximately $1.7 billion of goodwill in connection with the acquisition of Texas Genco in 2006.  The 
Company recorded $144 million of goodwill in connection with the 2010 acquisition of Green Mountain Energy, and $29 million 
in connection with the 2011 acquisition of Energy Plus.  The Company recorded $278 million of goodwill in connection with the 
2014 acquisition of EME, which is discussed further in Note 3, Business Acquisitions and Dispositions. During the year ended 
December 31, 2015, the Company recorded goodwill impairment charges of $1.5 billion, the details of which are discussed below.  
As  of  December 31,  2015,  and  2014,  NRG  had  approximately  $620  million  and  $831  million,  respectively,  of  goodwill  that  is 
deductible for U.S. income tax purposes in future periods.

NRG Texas — In connection with the annual impairment assessment, the Company performed step one of the two-step 
impairment test for the NRG Texas reporting unit, for which $1.7 billion of goodwill was recognized as part of the Texas Genco 
acquisition in 2006.  The Company determined the fair value of the NRG Texas reporting unit primarily using an income approach 
through which the Company applied a discounted cash flow methodology to the long-term budgets for all plants in the regions.  
Significant inputs impacting the income approach include the Company's views of power and fuel prices for the first five-year period 
and the Company's view for the longer term, which were finalized in connection with the preparation of the fourth quarter financial 
statements, projected generation based on an hourly dispatch meant to simulate the dispatch of each unit into the power market which 
is impacted by power prices, fuel prices, and the physical and economic characteristics of each plant, intangible value to NRG Texas 
for synergies it provides to NRG's retail businesses, and the discount rate applied to cash flow projections.  Under step one, the 
estimated fair value of the NRG Texas invested capital was 76% below its carrying value as of December 31, 2015, and the Company 
concluded step two was required.  Based on the results of step two of the impairment test, the Company determined the carrying 
amount of the reporting unit was higher than the fair value, and accordingly, the Company recognized an impairment loss of $1.4 
billion as of December 31, 2015.

NRG Home Solar — The Company performed the two-step impairment test as part of its annual impairment testing for the 
NRG Home Solar reporting unit utilizing an income approach developed through applying a discounted cash flow methodology to 
the long-term budget for the reporting unit.  As a result, the Company determined that the carrying value of the reporting unit was 
higher than the fair value, and accordingly, the Company recognized an impairment loss of $125 million during the year ended 
December 31, 2015 to reduce the carrying value of the goodwill that was recognized in connection with acquisitions made by NRG 
Home Solar.

Goal Zero — During the third quarter of 2015, the Company agreed to relieve the Goal Zero seller of all known and unknown 
claims in return for the seller's agreement to forego all contingent consideration.  Concurrently, the Company determined that there 
was an indication of goodwill impairment and performed an impairment test.  The carrying amount of the reporting unit was higher 
than the fair value, and accordingly, the Company recognized an impairment loss of $36 million during the third quarter of 2015 to 
reduce the carrying value of the goodwill that was recognized in connection with the acquisition.  

Intangible Assets 

The Company's intangible assets as of December 31, 2015, primarily reflect intangible assets established with the acquisitions 

of various companies and are comprised of the following:

•  Emission Allowances — These intangibles primarily consist of SO2 and NOx emission allowances established with the 2012 
GenOn acquisition and 2006 Texas Genco acquisition and also include RGGI emission credits which NRG began purchasing 
in 2009. These emission allowances are held-for-use and are amortized to cost of operations, with NOx allowances amortized 
on a straight-line basis and SO2 allowances and RGGI credits amortized based on units of production.

•  Energy supply contracts — Established with the acquisitions of Reliant Energy and Green Mountain Energy, these represent 
the fair value at the acquisition date of in-market contracts for the purchase of energy to serve retail electric customers. The 
contracts are amortized to cost of operations based on the expected delivery under the respective contracts.

• 

In-market fuel (gas and nuclear) contracts — These intangibles were established with the Texas Genco acquisition in 2006 
and are amortized to cost of operations over expected volumes over the life of each contract.

•  Customer contracts — Established with the acquisitions of Reliant Energy, Green Mountain Energy, and Northwind Phoenix, 
these intangibles represent the fair value at the acquisition date of contracts that primarily provide electricity to Reliant 
Energy's  and  Green  Mountain  Energy's  C&I  customers. These  contracts  are  amortized  to  revenues  based  on  expected 
volumes to be delivered for the portfolio.

164

 
 
 
 
•  Customer relationships — These intangibles represent the fair value at the acquisition date of acquired businesses' customer 
base, primarily for Dominion, Energy Alternatives, Energy Plus, Reliant Energy, Green Mountain Energy, Energy Systems 
and Energy Curtailment Specialists. The customer relationships are amortized to depreciation and amortization expense 
based on the expected discounted future net cash flows by year.

•  Marketing partnerships — Established with the acquisition of Energy Plus, these intangibles represent the fair value at the 
acquisition date of existing agreements with loyalty and affinity partners.  The marketing partnerships are amortized to 
depreciation and amortization expense based on the expected discounted future net cash flows by year.

• 

Trade  names — Established  with  the  Reliant  Energy,  Green  Mountain,  Energy  Plus  and  Dominion  acquisitions,  these 
intangibles are amortized to depreciation and amortization expense, on a straight-line basis.

•  Power purchase agreements — Established predominantly with the EME and Alta Wind acquisitions, these represent the 
fair value of PPAs acquired.  These will be amortized to revenues, generally on a straight-line basis, over the term of the 
PPA. 

•  Other — Consists of renewable energy credits, wind leasehold rights, costs to extend the operating license for STP Units 

1 and 2, and the intangible asset related to a purchased ground lease.

The following tables summarize the components of NRG's intangible assets subject to amortization:

Contracts

Year Ended December 31,
2015

Emission
Allowances

Energy
Supply

Fuel

Customer

Customer
Relationships

Marketing
Partnerships

Trade
Names

PPA

Other

Total

January 1, 2015
Purchases
Usage
Write-off of fully
    amortized balances
Impairment
Other
December 31, 2015

Less accumulated 
amortization(a)
Net carrying amount

$

$

1,018
77
(33)

54
$ 72
— —
— —

$

(154)
—
12
920

— —
— —
— —
72
54

16
—
—

—
—
—
16

$

$

(In millions)
831
3
—

—
—
—
834

$

88
—
—

—
—
—
88

353
—
—

—
(6)
(5)
342

$268
$ 1,269
57
—
— (62)

$ 3,969
137
(95)

—
—
(6)
1,263

—
(5)
(12)
246

(154)
(11)
(11)
3,835

(502)

(47)

(65)

(6)

$

418

$

7

$ 7

$

10

$

(624)
210

$

(41)
47

$

(137)
205

(75)
$ 1,188

(28)
$218

(1,525)

$ 2,310

(a)     Adjusted for write-off of fully amortized emissions allowances of $154 million. 

Contracts

Year Ended December 31,
2014

Emission
Allowances

Energy
Supply

Fuel Customer

Customer
Relationships

Marketing
Partnerships

Trade
Names

PPA

Other

Total

(In millions)
743
8

$

80

—

—

—

831

88
—

—

—

—

—

88

$

$

318
—

14
—

$ 98
33

$ 3,117
182

35

—

—

—

1,252

162
— (34)

1,541

(34)

—

3

—

9

(843)

6

353

1,269

268

3,969

(557)
274

$

(27)
61

$

(114)
239

(25)
$ 1,244

(13)
$255

(1,402)

$ 2,567

$

$

871
141

$72
54
— —

$

$

859
—

January 1, 2014
Purchases

Acquisition of
businesses

Usage

Write-off of fully

amortized balances

Other

Less accumulated 
amortization(a)
Net carrying amount

12

—

—

(6)

— —

— —

— —

— —

54

72

—

—

(843)

—

16

(4)

December 31, 2014

1,018

(557)

(42)

(63)

$

461

$

12

$ 9

$

12

$

(a)     Adjusted for write-off of fully amortized customer contracts of $843 million.

165

 
 
 
 
 
 
 
 
 
 
The following table presents NRG's amortization of intangible assets for each of the past three years:

Amortization

Emission allowances

Energy supply contracts

Fuel contracts

Customer contracts

Customer relationships

Marketing partnerships

Trade names

Power purchase agreements

Other

Total amortization

Years Ended December 31,

2015

2014

(In millions)

2013

$

99

$

124

$

104

5

2

2

67

14

23

50

15

6

2

—

70

15

21

24

6

6

2

53

72

8

29

1

4

$

277

$

268

$

279

The following table presents estimated amortization of NRG's intangible assets for each of the next five years:

Year Ended December 31,

Emission
Allowances

Energy
Supply

Fuel

Customer

Customer
Relationships

Marketing
Partnerships

Trade
Names

PPA

Other

Total

Contracts

2016

2017

2018

2019

2020

$

112

$

53

48

32

17

7

—

$ 2

$

1

— —

— —

— —

$

1

1

1

1

1

$

48

33

20

16

14

$

9

5

5

4

4

$

$

23

23

23

23

23

63

63

63

63

63

10

10

10

9

7

$ 275

189

170

148

129

Intangible assets held for sale — From time to time, management may authorize the transfer from the Company's emission 
bank of emission allowances held-for-use to intangible assets held-for-sale.  Emission allowances held-for-sale are included in other 
non current assets on the Company's consolidated balance sheet and are not amortized, but rather expensed as sold.   As of December 31, 
2015, the value of emission allowances held-for-sale is $22 million and is managed within the Corporate segment.  Once transferred 
to held-for-sale, these emission allowances are prohibited from moving back to held-for-use.

Out-of-market contracts — Due primarily to business acquisitions, NRG acquired certain out-of-market contracts, which are 
classified as non-current liabilities on NRG's consolidated balance sheet.  These include out-of-market lease contracts of $159 million 
and $790 million acquired in the acquisitions of EME and GenOn, respectively, and out-of-market gas transportation and storage 
contracts of $327 million acquired in the acquisition of GenOn.  These out-of-market contracts are amortized to cost of operations. 

The following table summarizes the estimated amortization related to NRG's out-of-market contracts:

Year Ended December 31,

Power
Contracts

Leases

Gas
Transportation

Total

2016

2017

2018

2019

2020

16

16

16

17

17

(In millions)

$

47

47

47

47

47

$

42

37

32

29

29

105

100

95

93

93

$

166

 
 
 
 
 
$

Note 12 — Debt and Capital Leases 

Long-term debt and capital leases consisted of the following:

NRG Recourse Debt:
Senior notes, due 2018
Senior notes, due 2020
Senior notes, due 2021
Senior notes, due 2022
Senior notes, due 2023
Senior notes, due 2024
Term loan facility, due 2018 
Tax Exempt Bonds
    Subtotal NRG Recourse Debt
NRG Non-Recourse Debt:
GenOn senior notes
GenOn Americas Generation senior notes
GenOn Other

Subtotal GenOn debt (non-recourse to NRG)

Yield Operating LLC Senior Notes, due 2024
Yield LLC and Yield Operating LLC Revolving Credit Facility, due 2019
Yield Inc. Convertible Senior Notes, due 2019
Yield Inc. Convertible Senior Notes, due 2020
El Segundo Energy Center, due 2023
Marsh Landing, due 2017 and 2023
Alta Wind I-V lease financing arrangements, due 2034 and 2035
Alta Wind X, due 2021
Alta Wind XI, due 2021
Walnut Creek, term loans due 2023
Tapestry, due 2021
Laredo Ridge, due 2028
Alpine, due 2022
Energy Center Minneapolis, due 2017, and 2025
Viento, due 2023
 Yield Other

Subtotal Yield debt (non-recourse to NRG)

Ivanpah, due 2033 and 2038
Agua Caliente, due 2037
CVSR, due 2037
Dandan, due 2033
Peaker bonds, due 2019 
Cedro Hill, due 2025
NRG Other

Subtotal other NRG non-recourse debt
Subtotal all non-recourse debt

Subtotal long-term debt (including current maturities)

Capital leases:
Home Solar capital leases
Chalk Point capital lease, due 2015
Other

Subtotal long-term debt and capital leases (including current maturities)
Less current maturities 
Less debt issuance costs(b)
Total long-term debt and capital leases

$
$

As of December 31,

2015

2014

December 31, 2015
Interest Rate % (a) 

(In millions except rates)

7.625
8.250
7.875
6.250
6.625
6.250
L+2.00
4.125 - 6.00

7.875 - 9.875
8.500 - 9.125

5.375
L+2.75
3.500
3.250
L+1.625 - L+2.25
L+1.75 - L+1.875
5.696 - 7.015
L+2.00
L+2.00
L+1.625
L+1.625
L+1.875
L+1.750
5.95 - 7.25
L+2.75
various

2.285 - 4.256
2.395 - 3.633
2.339 - 3.775
L+2.25
L+1.07
L+3.125
various

various
8.190
various

1,039
1,058
1,128
1,100
936
904
1,964
455
8,584

1,956
752
56
2,764
500
306
330
266
485
418
1,002
—
—
351
181
104
154
108
189
469
4,863
1,149
879
793
98
72
103
315
3,409
11,036
19,620

13
—
3
19,636
481
172
18,983

$

$
$

1,130
1,063
1,128
1,100
990
1,000
1,983
406
8,800

2,133
929
60
3,122
500
—
326
—
506
464
1,036
300
191
391
192
108
163
121
196
489
4,983
1,183
898
815
54
100
111
300
3,461
11,566
20,366

—
5
3
20,374
474
199
19,701

(a)  As of December 31, 2015, L+ equals 3 month LIBOR plus x%, with the exception of the Viento term loan, which is 6 month LIBOR plus x% and the 

Marsh Landing term loan, Walnut Creek loan, and Yield Operating LLC Revolving Credit facility, which are 1 month LIBOR plus x%

167

 
 
 
 
 
 
 
 
 
(b)  Total net debt reflects the reclassification of deferred financing costs to reduce long-term debt as further described in Note 2, Summary of Significant 

Accounting Policies. 
Long-term debt includes the following premiums/(discounts):

Term loan facility, due 2018 (a)
Peaker bonds, due 2019 (b)
Yield, Inc. Convertible notes, due 2019
Yield, Inc. Convertible notes, due 2020
GenOn senior notes, due 2017 (c)
GenOn senior notes, due 2018 (c)
GenOn senior notes, due 2020 (c)
GenOn Americas Generation senior notes, due 2021 (c)
GenOn Americas Generation senior notes, due 2031 (c)

Total premium/(discount)

As of December 31,

2015

2014

(in millions)
(3) $
(4)
(15)
(21)
23
59
44
32
25
140

$

(4)
(6)
(19)
—
41
83
60
46
33
234

$

$

(a)  Discount of $1 million is related to current maturities in 2015 and 2014.
(b)  Discount of $2 million are related to current maturities in 2015 and 2014. 
(c)    Premiums for long-term debt acquired in the GenOn acquisition represent adjustments to record the debt at fair value in connection with the acquisition. 

Consolidated Annual Maturities 

Annual payments based on the maturities of NRG's debt and capital leases, for the years ending after December 31, 2015, 

are as follows:

2016
2017
2018
2019
2020
Thereafter
Total

NRG Recourse Debt

Senior Notes

2015 Senior Notes Repurchases

(In millions)

484
1,153
4,008
1,052
2,288
10,511
19,496

$

$

During the fourth quarter of 2015, the Company repurchased $246 million in aggregate  principal  of the following outstanding 

Senior Notes in the open market for $231 million, including accrued interest.

Amount in millions, except rates

8.25% Senior Note, due 2020
6.625% Senior Note, due 2023
6.25% Senior Note, due 2024
7.625% Senior Note, due 2018

Total

Issuance of 2022 Senior Notes

Principal
Repurchased

Average Early
Redemption Percentage

Gain/(Loss) on Debt
Extinguishment

$

$

5
54
95
92

246

96.500% $
85.972%
84.725%
102.232%

$

—
7
14
(2)

19

On January 27, 2014, NRG issued $1.1 billion in aggregate principal amount at par of 6.25% senior notes due 2022.  The 
notes are senior unsecured obligations of NRG and are guaranteed by certain of its subsidiaries.  Interest is payable semi-annually 
beginning on July 15, 2014, until the maturity date of July 15, 2022.  The proceeds were utilized to redeem the 8.5% and 7.625% 
2019 Senior Notes, as described below, and to fund the acquisition of EME.

168

Issuance of 2024 Senior Notes

On April 21, 2014, NRG issued $1.0 billion in aggregate principal amount at par of 6.25% senior notes due 2024.  The 
notes are senior unsecured obligations of NRG and are guaranteed by certain of its subsidiaries.  Interest is payable semi-annually 
beginning on November 1, 2014, until the maturity date of November 1, 2024.  A portion of the cash proceeds were used to redeem 
all remaining of its 7.625% 2019 Senior Notes, and the rest of the proceeds were used to redeem all remaining $225 million of its 
8.5% 2019 Senior Notes in September 2014, as discussed below.

2014 Senior Notes Redemptions 

In 2014, the Company redeemed $1.4 billion in aggregate principal of its Senior Notes, due 2019 for $1.5 billion, including 

accrued interest.

Amount in millions, except rates
8.5% Senior Note, due 2019
7.625% Senior Note, due 2019

Total

Senior Notes Outstanding

Principal
Redeemed

Average Early
Redemption Percentage

Loss on Debt
Extinguishment

$

$

607
800

1,407

105.764% $
104.169%

$

45
41

86

As of December 31, 2015, NRG had six outstanding issuances of senior notes, or Senior Notes:

(i.) 

(ii.) 

(iii.) 

(iv.) 

(v.) 

(vi.) 

8.250% senior notes, issued August 20, 2010 and due September 1, 2020, or the 2020 Senior Notes;

7.625% senior notes, issued January 26, 2011 and due January 15, 2018, or the 2018 Senior Notes;

7.875% senior notes, issued May 24, 2011 and due May 15, 2021, or the 2021 Senior Notes; 

6.625% senior notes, issued September 24, 2012 and due March 15, 2023, or the 2023 Senior Notes;

6.250% senior notes, issued January 27, 2014 and due July 15, 2022, or the 2022 Senior Notes; and

6.250% senior notes, issued April 21, 2014 and due May 1, 2024 or the 2024 Senior Notes.

The Company periodically enters into supplemental indentures for the purpose of adding entities under the Senior Notes 

as guarantors.

The indentures and the form of notes provide, among other things, that the Senior Notes will be senior unsecured obligations 
of NRG. The indentures also provide for customary events of default, which include, among others: nonpayment of principal or 
interest;  breach  of  other  agreements  in  the  indentures;  defaults  in  failure  to  pay  certain  other  indebtedness;  the  rendering  of 
judgments to pay certain amounts of money against NRG and its subsidiaries; the failure of certain guarantees to be enforceable; 
and certain events of bankruptcy or insolvency.  Generally, if an event of default occurs, the Trustee or the Holders of at least 25% 
in principal amount of the then outstanding series of Senior Notes may declare all of the Senior Notes of such series to be due and 
payable immediately.  The terms of the indentures, among other things, limit NRG's ability and certain of its subsidiaries' ability 
to return capital to stockholders, grant liens on assets to lenders and incur additional debt.  Interest is payable semi-annually on 
the Senior Notes until their maturity dates. 

2018 Senior Notes

Prior to maturity, NRG may redeem all or a portion of the 2018 Senior Notes at a redemption price equal to 100% of the 
principal amount of the notes redeemed plus a premium and accrued and unpaid interest. The premium is the greater of (i) 1% of 
the principal amount of the note or (ii) the excess of the present value of the principal amount at maturity plus all required interest 
payments due on the note through the maturity date discounted at a Treasury rate plus 0.50%.  

169

2020 Senior Notes

NRG may redeem some or all of the 2020 Senior Notes at redemption prices expressed as percentages of principal amount 
as set forth in the following table, plus accrued and unpaid interest on the notes redeemed to the first applicable redemption date:

Redemption Period

On or after September 1, 2015

On or after September 1, 2016

On or after September 1, 2017

September 1, 2018 and thereafter

2021 Senior Notes

Redemption
Percentage

104.125%

102.750%

101.375%

100.000%

Prior to May 15, 2016, NRG may redeem up to 35% of the aggregate principal amount of the 2021 Senior Notes with the 
net proceeds of certain equity offerings, at a redemption price of 107.875% of the principal amount.  Prior to May 15, 2016, NRG 
may redeem all or a portion of the 2021 Senior Notes at a price equal to 100% of the principal amount plus a premium and accrued 
and unpaid interest.  The premium is the greater of: (i) 1% of the principal amount of the notes; or (ii) the excess of the principal 
amount of the note over the following: the present value of 103.938% of the note, plus interest payments due on the note from the 
date of redemption through May 15, 2016, discounted at a Treasury rate plus 0.50%.  In addition, on or after May 15, 2016, NRG 
may redeem some or all of the notes at redemption prices expressed as percentages of principal amount as set forth in the following 
table, plus accrued and unpaid interest on the notes redeemed to the first applicable redemption date:

Redemption Period

May 15, 2016 to May 14, 2017

May 15, 2017 to May 14, 2018

May 15, 2018 to May 14, 2019

May 15, 2019 and  thereafter

2022 Senior Notes

Redemption
Percentage

103.938%

102.625%

101.313%

100.000%

At any time prior to July 15, 2017, NRG may redeem up to 35% of the aggregate principal amount of the 2022 Senior Notes, 
at a redemption price equal to 106.25% of the principal amount of the notes redeemed, plus accrued and unpaid interest, with an 
amount equal to the net cash proceeds of certain equity offerings.  At any time prior to July 15, 2018, NRG may redeem all or a 
part of the 2022 Senior Notes, at a redemption price equal to 100% of the principal amount, accrued and unpaid interest to the 
redemption date, plus a premium.  The premium is the greater of: (i) 1% of the principal amount of the notes; or (ii) the excess of 
the principal amount of the note over the following:  the present value of 103.125% of the note, plus interest payments due on the 
note from the date of redemption through July 15, 2018, computed using a discount rate equal to the Treasury Rate as of such 
redemption date plus 0.50%.  In addition, on or after July 15, 2018, NRG may redeem some or all of the notes at redemption prices 
expressed as percentages of principal amount as set forth in the following table, plus accrued and unpaid interest on the notes 
redeemed to the first applicable redemption date: 

Redemption Period

July 15, 2018 to July 14, 2019

July 15, 2019 to July 14, 2020

July 15, 2020 and thereafter

Redemption
Percentage

103.125%

101.563%

100.000%

170

2023 Senior Notes

Prior to September 15, 2017, NRG may redeem all or a portion of the 2023 Senior Notes at a price equal to 100% of the 
principal amount plus a premium and accrued and unpaid interest.  The premium is the greater of: (i) 1% of the principal amount 
of the notes; or (ii) the excess of the principal amount of the note over the following: the present value of 103.313% of the note, 
plus interest payments due on the note from the date of redemption through September 15, 2017, discounted at a Treasury rate 
plus 0.50%.  In addition, on or after September 15, 2017, NRG may redeem some or all of the 2023 Senior Notes at redemption 
prices expressed as percentages of principal amount as set forth in the following table, plus accrued and unpaid interest on the 
notes redeemed to the first applicable redemption date:

Redemption Period

September 15, 2017 to September 14, 2018

September 15, 2018 to September 14, 2019

September 15, 2019 to September 14, 2020

September 15, 2020 and thereafter

2024 Senior Notes

Redemption
Percentage

103.313%

102.208%

101.104%

100.000%

At any time prior to May 1, 2017, NRG may redeem up to 35% of the aggregate principal amount of the 2024 Senior Notes, 
at a redemption price equal to 106.25% of the principal amount of the notes redeemed, plus accrued and unpaid interest, with an 
amount equal to the net cash proceeds of certain equity offerings.  At any time prior to May 1, 2019, NRG may redeem all or a 
part of the 2024 Senior Notes, at a redemption price equal to 100% of the principal amount, accrued and unpaid interest to the 
redemption date, plus a premium.  The premium is the greater of: (i) 1% of the principal amount of the notes; or (ii) the excess of 
the principal amount of the note over the following:  the present value of 103.125% of the note, plus interest payments due on the 
note from the date of redemption through May 1, 2019 computed using a discount rate equal to the Treasury Rate as of such 
redemption date plus 0.50%.  In addition, on or after May 1, 2019, NRG may redeem some or all of the notes at redemption prices
expressed as percentages of principal amount as set forth in the following table, plus accrued and unpaid interest on the notes 
redeemed to the first applicable redemption date: 

Redemption Period

May 1, 2019 to April 30, 2020

May 1, 2020 to April 30, 2021

May 1, 2021 to April 30, 2022

May 1, 2022 and thereafter

Senior Credit Facility

Redemption
Percentage

103.125%

102.083%

101.042%

100.000%

On June 4, 2013, NRG amended the Term Loan Facility to (i) obtain additional financing of $450 million, which was issued 
at a discount of 99.5%; and (ii) adjust the interest rate from LIBOR plus 2.50% to LIBOR plus 2.00%.  Repayments under the 
Term Loan Facility will consist of 0.25% per quarter, with the remainder due at maturity.  The Company also amended the Revolving 
Credit Facility to (i) increase the capacity by $211 million to a total of $2.5 billion; (ii) adjust the interest rate to LIBOR plus 
2.25%; and (iii) extend the maturity date to July 1, 2018, to coincide with the maturity date of the Term Loan Facility.  As of 
December 31, 2015, a total of $1.1 billion of letters of credit were issued under the Revolving Credit Facility, with $1.4 billion 
remaining available to be issued.  Commitment fees of 0.50% are charged on the unused portion of the Revolving Credit Facility.

The Senior Credit Facility is guaranteed by substantially all of NRG's existing and future direct and indirect subsidiaries, 
with certain customary or agreed-upon exceptions for unrestricted foreign subsidiaries, project subsidiaries, and certain other
subsidiaries, including GenOn and its subsidiaries. The capital stock of these guarantor subsidiaries has been pledged for the 
benefit of the Senior Credit Facility's lenders.

The Senior Credit Facility is also secured by first-priority perfected security interests in substantially all of the property and 
assets owned or acquired by NRG and its subsidiaries, other than certain limited exceptions.  These exceptions include assets of 
certain unrestricted subsidiaries, equity interests in certain of NRG's affiliates that have non-recourse debt financing, including 
GenOn and its subsidiaries, and voting equity interests in excess of 66% of the total outstanding voting equity interest of certain 
of NRG's foreign subsidiaries. 

171

The Senior Credit Facility contains customary covenants, which, among other things, require NRG to meet certain financial 
tests, including minimum interest coverage ratio and a maximum leverage ratio on a consolidated basis, and limit NRG's ability 
to:

• 

incur indebtedness and liens and enter into sale and lease-back transactions;

•  make investments, loans and advances; and

• 

return capital to stockholders.

Tax Exempt Bonds

Amount in millions, except rates
Indian River Power tax exempt bonds, due 2040
Indian River Power LLC, tax exempt bonds, due 2045
Dunkirk Power LLC, tax exempt bonds, due 2042
Fort Bend County, tax exempt bonds, due 2045

Fort Bend County, tax exempt bonds, due 2038
Fort Bend County, tax exempt bonds, due 2042

As of December 31,

2015

2014

Interest Rate %

57
190
59
22

54
73

57
190
59
10

54
36

406

6.000
5.375
5.875
4.125

4.750
4.750

Total

$

455

$

NRG Non-Recourse Debt

The following are descriptions of certain indebtedness of NRG's subsidiaries that are outstanding as of December 31, 2015.  
All of NRG's non-recourse debt is secured by the assets in the respective GenOn subsidiaries and project subsidiaries as further 
described below.  The net assets in the GenOn and project subsidiaries are subject to restrictions, including the ability to transfer 
assets out of the subsidiaries.  As of December 31, 2015, NRG had net assets of $5.6 billion that were deemed restricted for 
purposes of Rule 4-08(e)(3)(ii) of Regulation S-X.

The indebtedness described below is non-recourse to NRG, unless otherwise noted.

GenOn Senior Notes 

Amount in millions, except rates
Senior unsecured notes, due 2017
Senior unsecured notes, due 2018
Senior unsecured notes, due 2020

Total

As of December 31,

2015

2014

Interest Rate %

714
708
534

$

1,956

$

766
757
610

2,133

7.875
9.500
9.875

Under the GenOn Senior Notes and the related indentures, the GenOn Senior Notes are the sole obligation of GenOn and 
are not guaranteed by any subsidiary or affiliate of GenOn.  The GenOn Senior Notes are senior unsecured obligations of GenOn 
having no recourse to any subsidiary or affiliate of GenOn.  The GenOn Senior Notes restrict the ability of GenOn and its subsidiaries 
to encumber their assets.  The GenOn Senior Notes are subject to acceleration of GenOn's obligations thereunder upon the occurrence 
of certain events of default, including: (a) default in interest payment for 30 days, (b) default in the payment of principal or premium, 
if  any,  (c) failure  after  90 days  of  specified  notice  to  comply  with  any  other  agreements  in  the  indenture,  (d) certain  cross-
acceleration events, (e) failure by GenOn or its significant subsidiaries to pay certain final and non-appealable judgments after 90 
days and (f) certain events of bankruptcy and insolvency.

172

Repurchase of GenOn Senior Notes

During the fourth quarter of 2015, the Company repurchased $119 million in aggregate  principal  of the following outstanding 

Senior Notes in the open market for $108 million, including accrued interest.

Amount in millions, except rates
Senior unsecured notes, due 2017
Senior unsecured notes, due 2018
Senior unsecured notes, due 2020

Total

2018 and 2020 GenOn Senior Notes 

Principal
Repurchased

Average Early
Redemption Percentage

Gain on Debt
Extinguishment

$

$

33
25
61

119

95.172% $
90.950%
83.847%

$

3
5
15

23

The GenOn Senior Notes due 2018 and 2020 and the related indentures restrict the ability of GenOn to incur additional liens 
and make certain restricted payments, including dividends.  In the event of a default or if restricted payment tests are not satisfied, 
GenOn would not be able to distribute cash to its parent, NRG.  At December 31, 2015, GenOn failed the consolidated debt ratio 
component of the restricted payments test. Under the related indentures, the ability of GenOn to make restricted payments, including 
dividends, loans and advances to NRG, is limited to specified exclusions, including up to $250 million of such restricted payments.  
As  of  December 31,  2015,  GenOn  net  assets  of  $277  million  were  deemed  restricted  for  purposes  of  Rule 4-08(e)(3)(ii)  of 
Regulation S-X.

Prior to maturity, GenOn may redeem the senior notes due 2018, in whole or in part, at a redemption price equal to 100% 
of the principal amount plus a premium and accrued and unpaid interest.  The premium is the greater of:  (i) 1% of the principal 
amount of the notes; or (ii) the excess of the following:  the present value of 100% of the note, plus interest payments due on the 
note through maturity, discounted at a Treasury rate plus 0.50% over the principal amount of the note.   

GenOn may redeem some or all of the Senior Notes due 2020 at redemption prices expressed as percentages of principal 
amount as set forth in the following table, plus accrued and unpaid interest on the notes redeemed to the first applicable redemption 
rate:

Redemption Period

October 15, 2015 to October 14, 2016

October 15, 2016 to October 14, 2017

October 15, 2017 to October 14, 2018

October 15, 2018 and thereafter

2017 GenOn Senior Notes 

Redemption
Percentage

104.938%

103.292%

101.646%

100.000%

Prior to maturity, GenOn may redeem all or a part of the GenOn Senior Notes due 2017 at a redemption price equal to 100% 
of the notes plus a premium and accrued and unpaid interest.  The premium is the greater of:  (i) 1% of the principal amount of 
the notes; or (ii) the excess of the following:  the present value of 100% of the note, plus interest payments due on the note through 
maturity, discounted at a Treasury rate plus 0.50% over the principal amount of the note.  

GenOn Americas Generation Senior Notes

Amount in millions, except rates
Senior unsecured notes, due 2021
Senior unsecured notes, due 2031

Total

As of December 31,

2015

2014

Interest Rate %

398
354

752

$

$

496
433

929

8.500
9.125

173

The GenOn Americas Generation Senior Notes due 2021 and 2031 are senior unsecured obligations of GenOn Americas 
Generation, a wholly owned subsidiary of NRG, having no recourse to any subsidiary or affiliate of GenOn Americas Generation.

Repurchase of GenOn Americas Generation Senior Notes

During the fourth quarter of  2015, the Company repurchased $155 million in aggregate  principal  of the following outstanding 

Senior Notes in the open market for $128 million, including accrued interest.

Amount in millions, except rates
Senior unsecured notes, due 2021
Senior unsecured notes, due 2031

Total

2021 and 2031 GenOn Senior Notes 

Principal Repurchased

Average Early
Redemption Percentage

Gain on Debt
Extinguishment

$

$

84
71

155

84.910% $
77.018%

$

20
22

42

Prior to maturity, GenOn Americas Generation may redeem all or a part of the senior notes due 2021 and 2031 at a redemption 
price equal to 100% of the notes plus a premium and accrued and unpaid interest.  The premium is the greater of: (i) the discounted 
present value of the then-remaining scheduled payments of principal and interest on the outstanding notes, discounted at a Treasury 
rate plus 0.375%, less the unpaid principal amount; and (ii) zero.   

Yield Operating LLC Senior Notes

2024 Yield Operating Senior Notes 

On August 5, 2014, Yield Operating issued $500 million of senior unsecured notes and utilized the proceeds to fund the 
acquisition of the Alta Wind Assets.  The Yield Operating senior notes bear interest at 5.375% and mature in August 2024. Interest 
on the notes is payable semi-annually on February 15th and August 15th of each year, and commenced on February 15, 2015.  The 
notes are senior unsecured obligations of Yield Operating and are guaranteed by NRG Yield LLC, Yield Operating’s parent company, 
and by certain of Yield Operating’s wholly owned current and future subsidiaries. 

Yield LLC and Yield Operating LLC Revolving Credit Facility 

NRG Yield LLC and its direct wholly owned subsidiary, NRG Yield Operating LLC, entered into a senior secured revolving 
credit facility, which was amended on June 26, 2015, to, among other things, increase the availability from $450 million to $495 
million. The revolving credit facility can be used for cash or for the issuance of letters of credit.  At December 31, 2015, there was 
$306 million outstanding and $56 million of letters of credit were issued under the revolving credit facility.  

Yield, Inc. Convertible Notes

2020 Yield Inc. Convertible Notes 

On June 29, 2015, NRG Yield, Inc. closed on its offering of $287.5 million aggregate principal amount of 3.25% Convertible 
Senior Notes due 2020, or the 2020 Convertible Notes.  The 2020 Convertible Notes are convertible, under certain circumstances, 
into NRG Yield, Inc. Class C common stock, cash or a combination thereof at an initial conversion price of $27.50 per Class C 
common share, which is equivalent to an initial conversion rate of approximately 36.3636 shares of Class C common stock per 
$1,000 principal amount of notes.  Interest on the 2020 Convertible Notes is payable semi-annually in arrears on June 1 and 
December 1 of each year, commencing on December 1, 2015.  The 2020 Convertible Notes mature on June 1, 2020, unless earlier 
repurchased or converted in accordance with their terms.  Prior to the close of business on the business day immediately preceding 
December 1, 2019, the 2020 Convertible Notes will be convertible only upon the occurrence of certain events and during certain 
periods, and thereafter, at any time until the close of business on the second scheduled trading day immediately preceding the 
maturity date.  The 2020 Convertible Notes are accounted for in accordance with ASC 470-20, under which issuers of convertible 
debt instruments that may be settled in cash upon conversion, including partial cash settlement, are required to separately account 
for the liability (debt) and equity (conversion option) components.  The equity component, the $23 million conversion option 
value, was recorded to NRG's noncontrolling interest for NRG Yield, Inc. with the offset to debt discount.  The debt discount is 
being amortized to interest expense over the term of the notes.

174

2019 Yield Inc. Convertible Notes 

In the first quarter of 2014, NRG Yield, Inc. closed on its offering of $345 million aggregate principal amount of 3.50% 
Convertible Senior Notes due 2019, or the 2019 Convertible Notes.  The 2019 Convertible Notes were convertible, under certain 
circumstances, into NRG Yield, Inc. Class A common stock, cash or a combination thereof at an initial conversion price of $46.55 
per Class A common share, which is equivalent to an initial conversion rate of approximately 21.4822 shares of Class A common 
stock per $1,000 principal amount of 2019 Convertible Notes.  Effective May 15, 2015, the conversion rate was adjusted to 42.9644 
shares of Class A common stock per $1,000 principal amount of 2019 Convertible Notes in accordance with the terms of the related 
indenture.  Interest on the 2019 Convertible Notes is payable semi-annually in arrears on February 1 and August 1 of each year, 
commencing on August 1, 2014. The 2019 Convertible Notes mature on February 1, 2019, unless earlier repurchased or converted 
in accordance with their terms.  Prior to the close of business on the business day immediately preceding August 1, 2018, the 2019 
Convertible Notes will be convertible only upon the occurrence of certain events and during certain periods, and thereafter, at any 
time until the close of business on the second scheduled trading day immediately preceding the maturity date.  The 2019 Convertible 
Notes are accounted for in accordance with ASC 470-20.  The equity component, the $23 million conversion option value, was 
recorded to NRG's noncontrolling interest for NRG Yield, Inc. with the offset to debt discount.  The debt discount is being amortized 
to interest expense over the term of the notes.  The 2019 Convertible Notes are guaranteed by NRG Yield Operating LLC and 
NRG Yield LLC. 

Project Financings

The following are descriptions of certain indebtedness of NRG's project subsidiaries that are outstanding as of December 31, 

2015. 

Alta Wind X and Alta Wind XI due 2021

On June 30, 2015, the Company entered into a tax equity financing arrangement through which Yield Operating, a subsidiary 
of NRG Yield, Inc., received $119 million in net proceeds.  These proceeds, as well as proceeds obtained from the June 29, 2015, 
NRG Yield, Inc. common stock issuance and the 2020 Convertible Notes issuance, were utilized to repay all of the outstanding 
project indebtedness associated with Alta Wind X and Alta Wind XI facilities.  The Company also settled interest rate swaps 
associated with the project level debt for Alta Wind X and Alta Wind XI and incurred a fee of $17 million.

Alta Wind lease financing arrangements

Alta Wind Holdings (Alta Wind II - V) and Alta I have finance lease obligations issued under lease transactions whereby 
the respective operating entities sold and leased back undivided interests in specific assets of the projects.  All of the assets of Alta 
I-V are pledged as collateral under these arrangements. The sale and related lease transactions are accounted for as financing 
arrangements as the operating entities have continued involvement with the property. 

Amount in millions,
except rates

Non-Recourse Debt
Alta Wind I

Alta Wind II
Alta Wind III
Alta Wind IV
Alta Wind V
Total

Lease Financing Arrangement

Letter of Credit Facility

Amount Outstanding as of
December 31, 2015

$

$

252

198
206
133
213
1,002

Interest Rate Maturity Date
12/30/2034

7.015%

5.696%
6.067%
5.938%
6.071%

12/30/2034
12/30/2034
12/30/2034
6/30/2035

Amount Outstanding as of
December 31, 2015

Interest Rate Maturity Date

$

$

3.250%

2.750%
2.750%
2.750%
2.750%

1/5/2021
6/30/2017&
12/31/2017
4/13/2018
8/24/2018
10/24/2018

16

28
28
19
31
122

High Lonesome Mesa Facility

Prior to the Company's acquisition of EME, an intercompany tax credit agreement related to the High Lonesome Mesa facility 
was terminated.  The termination resulted in an event of default under the project financing arrangement.  The Company received 
additional default notices for various items. The facility is secured by the assets of High Lonesome Mesa and is non-recourse to 
NRG.  

On November 3, 2015, the lender sent a notice of acceleration and indicated that it will accept the Company's interest in the 
assets in lieu of repayment. As of December 31, 2015, $57 million was outstanding under the project financing agreement. On 
January 27, 2016, High Lonesome Mesa, LLC (HLM) filed at FERC for approval to transfer 100% of the ownership interests in 
HLM to subsidiaries of the lien holders (Macquarie Bank Limited and Hannon Armstrong Capital, LLC).  HLM requested FERC 

175

approval by March 11, 2016.  Upon receipt of FERC approval the Company will transfer 100% of its interest in HLM to the lien 
holders.

Dandan Financing

In December 2013, NRG, through its wholly-owned subsidiary, NRG Solar Dandan LLC, or Dandan, entered into a credit 
agreement with a bank, or the Dandan Financing Agreement, for a $81 million construction loan and a $23 million cash grant 
loan. The construction loans have interest rates of LIBOR plus an applicable margin of 2.25% or base rate plus 1.25% and the 
cash grant loans have an interest rate of LIBOR plus an applicable margin of 1.75%.  The term loan has an interest rate of LIBOR 
plus an applicable margin of 2.25%, which escalates 0.25% on the fifth, tenth, and fifteenth anniversary of the term conversion.  
The term loan, which is secured by all the assets of Dandan, matures January 2033, and amortizes based upon a predetermined 
schedule.  The Dandan Financing Agreement also includes a letter of credit facility on behalf of Dandan of up to $5 million.  
Dandan pays an availability fee of 2.25% from the closing date until the 5th anniversary of the term conversion date and 2.50% 
from the 5th anniversary of the term conversion date on issued letters of credit.  As of December 31, 2015, $81 million was 
outstanding under the construction loan, $17 million under the cash grant loan and $5 million in letters of credit in support of the 
project were issued. On January 29, 2016, the construction loan converted to a $79 million term loan with $23 million outstanding 
under the cash grant loan. In addition, a $4 million debt service letter of credit was issued replacing the $5 million construction 
letter of credit that was outstanding at year end. 

El Segundo Energy Center Credit Agreement

On May 29, 2015, NRG West Holdings LLC amended its financing agreement to increase borrowings under the Tranche A 
facility by $5 million and to reduce the related interest rate to LIBOR plus an applicable margin of 1.625% from May 29, 2015, 
to August 31, 2017, LIBOR plus an applicable margin of 1.75% from September 1, 2017, to August 31, 2020, and LIBOR plus 
1.875% from September 1, 2020, through the maturity date; and to reduce Tranche B loan interest rate to LIBOR plus an applicable 
margin of 2.25% from May 29, 2015, to August 31, 2017, LIBOR plus 2.375% from September 1, 2017, to August 31, 2020, and 
LIBOR plus an applicable margin of 2.50% from September 1, 2020, through the maturity date and to reduce the working capital 
facility by $9 million. The proceeds of the increased borrowing were used to pay costs associated with the refinancing.  Further, 
the amendment resulted in a $7 million loss on debt extinguishment.

 As of December 31, 2015, under the West Holdings Credit Agreement, West Holdings had outstanding $426 million under 
the Tranche A Facility, $59 million under the Tranche B Facility, issued a $33 million letter of credit in support of the PPA, issued 
a $1 million letter of credit under the working capital facility, and issued a $48 million letter of credit under the facility in support 
of its debt service requirements.

Peakers

In June 2002, NRG Peaker Finance Company LLC, or Peakers, an indirect wholly-owned subsidiary of NRG, issued $325 
million in floating rate bonds due June 2019.  Peakers subsequently swapped such floating rate debt for fixed rate debt at an all-
in  cost  of  6.67%  per  annum.    Principal,  interest,  and  swap  payments  were  originally  guaranteed  by  Syncora  Guarantee Inc., 
successor in interest to XL Capital Assurance, through a financial guaranty insurance policy.  In 2009, Assured Guaranty Mutual 
Corp assumed the responsibility as the bond insurer and controlling party.  Syncora Guarantee Inc. continues to be the swap insurer.  
These notes are also secured by, among other things, substantially all of the assets of and membership interests in Bayou Cove 
Peaking Power LLC, Big Cajun I Peaking Power LLC, NRG Sterlington Power LLC, NRG Rockford LLC, NRG Rockford II LLC, 
and NRG Rockford Equipment LLC. 

On February 21, 2014, NRG Peaker Finance Company LLC elected to redeem approximately $30 million of the outstanding 
bonds at a redemption price equal to the principal amount plus a redemption premium, accrued and unpaid interest, swap breakage, 
and other fees, totaling approximately $35 million in connection with the removal of Bayou Cove Peaking Power LLC from the 
peaker financing collateral package, which also involved limited commitments for certain repairs on other assets that were funded 
concurrently with the making of the December 10, 2013 debt service payment.  On March 3, 2014 Bayou Cove Peaking Power 
LLC sold Bayou Cove Unit 1, which the Company continues to manage and operate.

In December of 2015 and 2014, NRG contributed an additional $13 million and $29 million, respectively, in equity to Peakers 
to meet its debt service requirements.  As of December 31, 2015, $76 million in principal remained outstanding on these bonds.

176

Interest Rate Swaps — Project Financings

Many of NRG's project subsidiaries entered into interest rate swaps, intended to hedge the risks associated with interest rates 
on non-recourse project level debt.  These swaps amortize in proportion to their respective loans and are floating for fixed where 
the project subsidiary pays its counterparty the equivalent of a fixed interest payment on a predetermined notional value and will 
receive quarterly the equivalent of a floating interest payment based on the same notional value.  All interest rate swap payments 
by the project subsidiary and its counterparty are made quarterly, and the LIBOR is determined in advance of each interest period.  
The following table summarizes the swaps, some of which are forward starting as indicated, related to NRG's project level debt 
as of December 31, 2015.

Non-Recourse Debt

% of
Principal

Fixed
Interest
Rate

Floating Interest Rate

Notional Amount at
December 31, 2015
(In millions)

Effective Date

Maturity Date

NRG Peaker Finance Co. LLC

100%

6.673% 3-mo. LIBOR + 1.07% $

76

June 18, 2002

June 10, 2019

NRG West Holdings LLC

South Trent Wind LLC

South Trent Wind LLC

NRG Solar Roadrunner LLC

NRG Solar Alpine LLC
NRG Solar Alpine LLC

NRG Solar Avra Valley LLC

NRG Marsh Landing

Other
EME Project Financings

Broken Bow

Cedro Hill

Crofton Bluffs

Laredo Ridge

Tapestry

Tapestry

Viento Funding II

Viento Funding II

Walnut Creek Energy

WCEP Holdings
Subtotal EME

Alta Wind Project Financings

AWAM
Subtotal Alta Wind

Total

75%

75%

75%

75%

85%
85%

85%

75%

2.417% 3-mo. LIBOR

3.265% 3-mo. LIBOR

4.95% 3-mo. LIBOR

4.313% 3-mo. LIBOR

2.744% 3-mo. LIBOR
2.421% 3-mo. LIBOR

2.333% 3-mo. LIBOR

3.244% 3-mo. LIBOR

75% various

various

75%

90%

75%

75%

75%

50%

2.960% 3-mo. LIBOR

4.290% 3-mo. LIBOR

2.748% 3-mo. LIBOR

2.310% 3-mo. LIBOR

2.210% 3-mo. LIBOR

3.570% 3-mo. LIBOR

90% various

6-mo. LIBOR

90%

4.985% 6-mo. LIBOR

75% various

3-mo. LIBOR

90%

4.003% 3-mo. LIBOR

100%

2.470% 3-mo. LIBOR

358 November 30, 2011

August 31, 2023

46

21

30

122
9

June 15, 2010

June 30, 2020

June 14, 2020

June 14, 2028

September 30, 2011 December 31, 2029

various
June 24, 2014

December 31, 2029
June 30, 2025

51 November 30, 2012 November 30, 2030

387

154

June 28, 2013

June 30, 2023

various

various

41 December 31, 2013 December 21, 2027

93 December 31, 2010 December 31, 2025

21 December 31, 2013 December 21, 2027

83

March 31, 2011

March 31, 2026

163 December 30, 2011 December 21, 2021

60 December 21, 2021 December 21, 2029

various

July 11, 2023

June 28, 2013

June 28, 2013

various

June 30, 2028

May 31, 2023

May 21, 2023

May 22, 2013

May 15, 2031

170

65

311

46

1,053

19

19

2,326

177

Note 13 — Asset Retirement Obligations 

NRG's AROs are primarily related to the future dismantlement of equipment on leased property and environmental obligations 
related to nuclear decommissioning, ash disposal, site closures, and fuel storage facilities. In addition, NRG has also identified 
conditional AROs for asbestos removal and disposal, which are specific to certain power generation operations.   

See Note 6, Nuclear Decommissioning Trust Fund, for a further discussion of NRG's nuclear decommissioning obligations.  
Accretion  for  the  nuclear  decommissioning  ARO  and  amortization  of  the  related  ARO  asset  are  recorded  to  the  Nuclear 
Decommissioning Trust Liability to the ratepayers and are not included in net income, consistent with regulatory treatment.

The following table represents the balance of ARO obligations as of December 31, 2015, and 2014, along with the additions, 

reductions and accretion related to the Company's ARO obligations for the year ended December 31, 2015:

Balance as of December 31, 2014

Revisions in estimates for current obligations

Additions

Additions for acquisitions

Spending for current obligations

Accretion — Expense

Accretion — Nuclear decommissioning

Balance as of December 31, 2015

(In millions)

763
122

18

2
(11)
35

16

945

$

$

Note 14 — Benefit Plans and Other Postretirement Benefits 

NRG sponsors and operates defined benefit pension and other postretirement plans.  As part of the GenOn acquisition in 
2012, NRG assumed GenOn's defined benefit pension plans and other postretirement benefit plans, and GenOn's benefit plan 
obligations were recorded at fair value at the time of the acquisition.  NRG expects to contribute $33 million to the Company's 
pension plans in 2016.

NRG pension benefits are available to eligible non-union and union employees through various defined benefit pension 
plans.  These benefits are based on pay, service history and age at retirement.  Most pension benefits are provided through tax-
qualified plans.  Certain executive pension benefits that cannot be provided by the tax-qualified plans are provided through unfunded 
non-tax-qualified plans.  NRG also provides postretirement health and welfare benefits for certain groups of employees.  Cost 
sharing provisions vary by the terms of any applicable collective bargaining agreements.

As part of the change in control associated with the GenOn acquisition, NRG decided to terminate/settle the nonqualified 
legacy GenOn Benefit Restoration Plan and Supplemental Executive Retirement Plan.  Final settlement payments totaling $12 
million were paid to remaining participants during 2014. On December 31, 2014, NRG merged eight qualified pension plans into 
two separate qualified pension plans, the NRG Pension Plan for Bargained Employees and the NRG Pension Plan. The NRG 
Pension Plan for Bargained Employees, GenOn Mirant Bargaining Unit Pension Plan, GenOn First Energy Pension Plan, GenOn 
Duquesne Pension Plan, and GenOn REMA Pension Plan were merged into the NRG Pension Plan for Bargained Employees. The 
NRG Texas  Retirement  Plan,  and  GenOn  Mirant  Pension  Plan  were  merged  into  the  NRG  Pension  Plan  for  Non-Bargained 
Employees and renamed the NRG Pension Plan. These actions were conducted to simplify internal administration of the plans, 
reduce regulatory filings, and lower fees paid to outside vendors. The benefits provided to current participants in the Plans were 
not impacted.

178

NRG Defined Benefit Plans

The annual net periodic benefit cost/(credit) related to NRG's pension and other postretirement benefit plans include the 

following components:

Service cost benefits earned
Interest cost on benefit obligation
Expected return on plan assets
Amortization of unrecognized net loss/(gain)
Curtailment
Net periodic benefit cost

Service cost benefits earned
Interest cost on benefit obligation
Amortization of unrecognized prior service credit
Amortization of unrecognized net loss
Curtailment gain
Net periodic benefit (credit)/cost

2015

Year Ended December 31,

Pension Benefits

2014

(In millions)

2013

32
53
(62)
2
—
25

$

$

30
53
(62)
(6)
—
15

$

$

Year Ended December 31,

Other Postretirement Benefits

2015

2014

(In millions)

2013

$

3
9
(5)
1
(14)
(6) $

$

3
9
(17)
—
—
(5) $

30
47
(55)
9
(1)
30

4
9
—
—
—
13

$

$

$

$

A comparison of the pension benefit obligation, other postretirement benefit obligations and related plan assets for NRG's 

plans on a combined basis is as follows:

Benefit obligation at January 1
Obligations resulting from the EME acquisition
Service cost
Interest cost
Plan amendments
Actuarial (gain)/loss
Employee and retiree contributions
Benefit payments
Curtailment

Benefit obligation at December 31

Fair value of plan assets at January 1
Actual return on plan assets
Employee and retiree contributions
Employer contributions
Benefit payments

Fair value of plan assets at December 31
Funded status at December 31 — excess of obligation

over assets

As of December 31,

Pension Benefits

Other Postretirement
Benefits

2015

2014

2015

2014

(In millions)

$

$

1,305
—
32
53
—
(120)
—
(74)
—
1,196
988
(26)
—
28
(74)
916

$

1,060
43
30
53
—
174
—
(55)
—
1,305
880
85
—
78
(55)
988

$

238
—
3
9
(6)
(31)
2
(12)
(25)
178
—
—
2
10
(12)
—

191
16
3
9
(18)
46
3
(12)
—
238
—
—
3
9
(12)
—

$

(280) $

(317) $

(178) $

(238)

179

 
 
 
Amounts recognized in NRG's balance sheets were as follows:

Current liabilities
Non-current liabilities

As of December 31,

Pension Benefits

Other Postretirement
Benefits

2015

2014

2015

2014

$

— $
280

(In millions)
— $
317

$

12
166

10
228

Amounts recognized in NRG's accumulated OCI that have not yet been recognized as components of net periodic benefit 

cost were as follows:

Net loss/(gain)
Prior service cost/(credit)

As of December 31,

Pension Benefits

Other Postretirement
Benefits

2015

2014

2015

2014

$

$

68
3

(In millions)
101
4

$

(9) $
(9)

34
(7)

Other changes in plan assets and benefit obligations recognized in OCI were as follows:

Year Ended December 31,

Pension
Benefits

Other Postretirement
Benefits

2015

2014

2015

2014

Net actuarial (gain)/loss
Amortization of net actuarial (gain)/loss
Prior service (credit)/cost
Amortization of prior service cost
Curtailment
Total recognized in other comprehensive (income)/loss
Total recognized in net periodic pension (credit)/cost and

other comprehensive (income)/loss

$

$

$

(31) $
(2)
(1)
—
—
(34) $

$

(In millions)
152
6
—
—
—
158

$

(31) $
(1)
(7)
5
(11)
(45) $

(8) $

173

$

(37) $

46
—
(18)
17
—
45

40

The change in net actuarial loss/(gain) from 2014 to 2015 primarily reflects the use of an updated mortality table and the 
change in discount rates described below. The Company's estimated unrecognized loss and unrecognized prior service cost for 
NRG's pension plan that will be amortized from accumulated OCI to net periodic cost over the next fiscal year is approximately 
$2 million. The Company's estimated unrecognized loss and unrecognized prior service credit for NRG's postretirement plan that 
will be amortized from accumulated OCI to net periodic cost over the next fiscal year is $1 million and $2 million, respectively.

The following table presents the balances of significant components of NRG's pension plan:

Projected benefit obligation
Accumulated benefit obligation
Fair value of plan assets

As of December 31,

Pension Benefits

2015

2014

$

(In millions)

$

1,196
1,115
916

1,305
1,172
988

180

 
 
 
 
 
 
 
 
 
NRG's market-related value of its plan assets is the fair value of the assets.  The fair values of the Company's pension plan 

assets by asset category and their level within the fair value hierarchy are as follows:

Common/collective trust investment — U.S. equity
Common/collective trust investment — non-U.S. equity
Common/collective trust investment — global equity
Common/collective trust investment — fixed income
Partnerships/joint ventures
Short-term investment fund
Total

Common/collective trust investment — U.S. equity
Common/collective trust investment — non-U.S. equity
Common/collective trust investment — global equity
Common/collective trust investment — fixed income
Partnerships/joint ventures
Short-term investment fund
Total

Fair Value Measurements as of December 31, 2015

Quoted Prices in
Active Markets for
Identical Assets
(Level 1)

Significant
Observable Inputs
(Level 2)

(In millions)

Total

$

$

— $
—
—
—
—
6
6

$

255
147
90
400
18
—
910

$

$

Fair Value Measurements as of December 31, 2014

Quoted Prices in
Active Markets for
Identical Assets
(Level 1)

Significant
Observable Inputs
(Level 2)

(In millions)

Total

$

$

— $
—
—
—
—
4
4

$

287
149
96
431
21
—
984

$

$

255
147
90
400
18
6
916

287
149
96
431
21
4
988

In accordance with ASC 820, the Company determines the level in the fair value hierarchy within which each fair value 
measurement in its entirety falls, based on the lowest level input that is significant to the fair value measurement in its entirety.  
The fair value of the common/collective trusts is valued at fair value which is equal to the sum of the market value of all of the 
fund's underlying investments, and is categorized as Level 2.  Partnerships/joint ventures Level 2 investments consist primarily 
of a partnership which invests in emerging market equity securities.  There are no investments categorized as Level 3.

The following table presents the significant assumptions used to calculate NRG's benefit obligations:

Weighted-Average Assumptions
Discount rate
Rate of compensation increase

Health care trend rate

As of December 31,

Pension Benefits

Other Postretirement Benefits

2015

2014

2015

2014

4.52%
3.00%

—

4.16%
3.45%

—

4.55%
N/A
7.25% grading to
5.0% in 2025

4.20%
N/A
8.6% grading to
5.0% in 2023

181

 
The following table presents the significant assumptions used to calculate NRG's benefit expense:

Pension Benefits

Other Postretirement Benefits

As of December 31,

Weighted-Average
Assumptions
Discount rate

Expected return on plan

assets

Rate of compensation

increase

2015

2014

2013

2015

2014

2013

4.16%

4.99%

4.16%

4.20%

5.06%

4.31%

6.36%

6.81%

7.12%

3.45%

3.65%

3.57%

—

—

—

—

—

—

Health care trend rate

—

—

8.6% grading to
5.0% in 2023

8.5% grading to
5.5% in 2019

8.3% grading to
5.3% in 2019

—

NRG uses December 31 of each respective year as the measurement date for the Company's pension and other postretirement 
benefit plans.  The Company sets the discount rate assumptions on an annual basis for each of NRG's defined benefit retirement 
plans as of December 31.  The discount rate assumptions represent the current rate at which the associated liabilities could be 
effectively settled at December 31.  The Company utilizes the Aon Hewitt AA Above Median, or AA-AM, yield curve to select 
the appropriate discount rate assumption for each retirement plan.  The AA-AM yield curve is a hypothetical AA yield curve 
represented by a series of annualized individual spot discount rates from 6 months to 99 years.  Each bond issue used to build this 
yield curve must be non-callable, and have an average rating of AA when averaging available Moody's Investor Services, Standard 
& Poor's and Fitch ratings. 

NRG employs a total return investment approach, whereby a mix of equities and fixed income investments are used to 
maximize the long-term return of plan assets for a prudent level of risk.  Risk tolerance is established through careful consideration 
of  plan  liabilities,  plan  funded  status,  and  corporate  financial  condition.    The  Investment  Committee  reviews  the  asset  mix 
periodically and as the plan assets increase in future years, the Investment Committee may examine other asset classes such as 
real estate or private equity.  NRG employs a building block approach to determining the long-term rate of return assumption for 
plan assets, with proper consideration given to diversification and rebalancing.  Historical markets are studied and long-term 
historical  relationships  between  equities  and  fixed  income  are  preserved,  consistent  with  the  widely  accepted  capital  market 
principle that assets with higher volatility generate a greater return over the long run.  Current factors such as inflation and interest 
rates are evaluated before long-term capital market assumptions are determined.  Peer data and historical returns are reviewed to 
check for reasonableness and appropriateness.

In 2016, NRG will change the approach utilized to estimate the service cost and interest cost components of net periodic 
benefit cost for pension and postretirement benefit plans. Historically, the Company estimated these components by using a single 
weighted average discount rate derived from the yield curve used to measure the benefit obligation. The Company will elect to 
use a spot rate approach in the estimation of the components of benefit cost by applying specific spot rates along the yield curve 
to the relevant projected cash flows, as this provides a better estimate of service and interest costs. This is considered a change in 
estimate and, accordingly, will account for it prospectively starting in 2016. This change does not affect the measurement of NRG's 
total benefit obligation. 

The target allocations of NRG's pension plan assets were as follows for the year ended December 31, 2015:

U.S. equity
Non-U.S. equity
Global equity
Emerging market equity
U.S. fixed income

27%
15%
10%
3%
45%

Plan  assets  are  currently  invested  in  a  diversified  blend  of  equity  and  fixed-income  investments.    Furthermore,  equity 
investments are diversified across U.S., non-U.S., global, and emerging market equities, as well as among growth, value, small 
and large capitalization stocks.

182

 
Investment risk and performance are monitored on an ongoing basis through quarterly portfolio reviews of each asset fund 
class to a related performance benchmark, if applicable, and annual pension liability measurements.  Performance benchmarks 
are composed of the following indices:  

Asset Class

Index

U.S. equities

Non-U.S. equities

Global equities

Emerging market equities

Fixed income securities

Dow Jones U.S. Total Stock Market Index

MSCI All Country World Ex-U.S. IMI Index

MSCI World Index

MSCI Emerging Markets Index

Barclays Capital Long Term Government/Credit Index &

Barclays US Aggregate Bond Index

NRG's expected future benefit payments for each of the next five years, and in the aggregate for the five years thereafter, 

are as follows:

2016
2017
2018
2019
2020
2021-2025

Other Postretirement Benefit

Pension
Benefit Payments

Benefit Payments

(In millions)

Medicare Prescription
Drug Reimbursements

$

$

60
64
67
71
75
409

$

12
9
10
10
10
52

—
—
—
—
—
1

Assumed health care cost trend rates have a significant effect on the amounts reported for the health care plans. A one-

percentage-point change in assumed health care cost trend rates would have the following effect:

Effect on total service and interest cost components
Effect on postretirement benefit obligation

STP Defined Benefit Plans

1-Percentage-
Point Increase

1-Percentage-
Point Decrease

$

(In millions)

$

1
13

(1)
(11)

NRG has a 44% undivided ownership interest in STP, as discussed further in Note 27, Jointly Owned Plants.  STPNOC, 
which operates and maintains STP, provides its employees a defined benefit pension plan as well as postretirement health and 
welfare benefits.  Although NRG does not sponsor the STP plan, it reimburses STPNOC for 44% of the contributions made towards 
its retirement plan obligations.  For the year ended December 31, 2015, NRG reimbursed STPNOC $9 million towards its defined 
benefit plans. For the year ended December 31, 2014, NRG reimbursed STPNOC $14 million towards its defined benefit plans. 
In 2016, NRG expects to reimburse STPNOC $7 million for its contribution towards the plans. 

The Company has recognized the following in its statement of financial position, statement of operations and accumulated 

OCI related to its 44% interest in STP:

As of December 31,

Pension Benefits

Other Postretirement Benefits

2015

2014

2015

2014

Funded status — STPNOC benefit plans
Net periodic benefit cost/(credit)
Other changes in plan assets and benefit obligations

recognized in other comprehensive income

$

(63) $
10

(8)

(In millions)
(71) $
6

37

(26) $
(8)

6

(30)
3

(29)

183

 
 
 
Defined Contribution Plans

NRG's employees are also eligible to participate in defined contribution 401(k) plans.  Upon completion of the GenOn 
acquisition, NRG assumed GenOn's defined contribution 401(k) plans and amended the plan covering the majority of employees 
with NRG 401(k) plan features, effective January 1, 2013.  On July 5, 2013, the GenOn defined contribution 401(k) plans were 
merged into the NRG 401(k) plan.

The Company's contributions to these plans were as follows:

Year Ended December 31,

2015

2014

(In millions)

2013

Company contributions to defined contribution plans

$

53

$

47

$

34

Note 15 — Capital Structure 

For the period from December 31, 2012 to December 31, 2015, the Company had 10,000,000 shares of preferred stock 
authorized, 500,000,000 shares of common stock authorized and 250,000 shares of preferred stock issued and outstanding.  The 
following table reflects the changes in NRG's common shares issued and outstanding for each period presented: 

Balance as of December 31, 2012

Shares issued under ESPP
Shares issued under LTIPs
Share repurchases

Balance as of December 31, 2013

Shares issued under ESPP
Shares issued under LTIPs
Shares issued in connection with the EME acquisition
Share repurchases

Balance as of December 31, 2014

Shares issued under ESPP
Shares issued under LTIPs
Share repurchases

Balance as of December 31, 2015

Common Stock

Issued
399,112,616
—
2,014,164
—
401,126,780
—
1,707,419
12,671,977
—
415,506,176
—
1,433,774
—
416,939,950

Common

Treasury

(76,505,718)
130,482
—
(972,292)
(77,347,528)
128,336
—
—
(1,624,360)
(78,843,552)
283,139
—
(24,189,495)
(102,749,908)

Outstanding

322,606,898
130,482
2,014,164
(972,292)
323,779,252
128,336
1,707,419
12,671,977
(1,624,360)
336,662,624
283,139
1,433,774
(24,189,495)
314,190,042

The following table summarizes NRG's common stock reserved for the maximum number of shares potentially issuable 
based  on  the  conversion  and  redemption  features  of  outstanding  equity  instruments  and  the  long-term  incentive  plans  as  of 
December 31, 2015:

Equity Instrument
2.822% Convertible perpetual preferred
Long-term incentive plans
Total

Common Stock
Reserve Balance

16,000,000
17,979,967
33,979,967

Common stock dividends — In 2013, NRG paid quarterly dividends on the Company's common stock of $0.12 per share, or 
$0.48 per share on an annualized basis.  In 2015 and 2014, the Company increased its annual common stock dividend by 4% to 
$0.58 per share and 17% to $0.56 per share, respectively.  The following table lists the dividends paid per common share during
2015, 2014 and 2013: 

2015
2014
2013

Fourth
Quarter

Third
Quarter

Second
Quarter

First
Quarter

$
$
$

0.145
0.140
0.120

$
$
$

0.145
0.140
0.120

$
$
$

0.145
0.140
0.120

$
$
$

0.145
0.120
0.090

184

On January 18, 2016, NRG declared a quarterly dividend on the Company's common stock of $0.145 per share, or $0.58 

per share on an annualized basis, payable on February 16, 2016, to stockholders of record as of February 1, 2016.  

Employee Stock Purchase Plan — Under the ESPP, eligible employees may elect to withhold up to 10% of their eligible 
compensation to purchase shares of NRG common stock at the lesser of 85% of its fair market value on the offering date or 85% 
of the fair market value on the exercise date.  An offering date occurs each January 1 and July 1.  An exercise date occurs each 
June 30 and December 31.  As of December 31, 2015, there remained 1,276,913 shares of treasury stock reserved for issuance 
under the ESPP, and in the first quarter of 2016, 299,127 shares of common stock were issued to employee accounts from treasury 
stock.

Share Repurchases 

The Company's board of directors authorized share repurchases of $481 million of its common stock, which were made as 

follows:

Board Authorized Share Repurchases

Fourth Quarter 2014

First Quarter 2015

Second Quarter 2015

Third Quarter 2015

Fourth Quarter 2015

Total Board Authorized Share Repurchases

Total number of
shares purchased

Average 
price paid 
per share (a)

Amounts paid for 
shares purchased  
(in millions) (a)

1,624,360

$

26.95

$

3,146,484

4,379,907

11,104,184

5,558,920

25,813,855

25.15

24.53

15.06

15.03

$

44

79

107

167

84

481

(a)  The average price paid per share and amounts paid for shares purchased exclude the commissions of $0.015 per share paid in connection with the share 

repurchase.

Preferred Stock

2.822% Redeemable Preferred Stock

On December 23, 2014, NRG and the Credit Suisse Group amended and restated its 250,000 shares of 3.625% Convertible 
Perpetual Preferred Stock, or 3.625% Preferred Stock, which is treated as redeemable preferred stock, initially issued on August 
11, 2005, to the Credit Suisse Group in a private placement.  The amendment resulted in a reduction of the rate from 3.625% to 
2.822% and is hereby referred to as the 2.822% Preferred Stock.  The transaction was accounted for as an extinguishment of the 
3.625% Preferred Stock and the issuance of new 2.822% Preferred Stock.  The loss on extinguishment of the 3.625% Preferred 
Stock of $42 million represents the increase in redeemable preferred stock as the Company recorded the 2.822% Preferred Stock 
at a fair value of $291 million in connection with the amendment.  The loss on extinguishment of $42 million as well as $5 million 
in consent fees paid to Credit Suisse, were recorded as a dividend on the preferred shares.  This amount reduced net income to 
arrive at net income/(loss) available to NRG common stockholders in the calculation of earnings per share for the year ended 
December 31, 2014.

The 2.822% Preferred Stock amount is located after the liabilities but before the stockholders' equity section on the balance 
sheet, due to the fact that the preferred shares can be redeemed in cash by the stockholder. The 2.822% Preferred Stock has a 
liquidation preference of $1,378 per share. Holders of the 2.822% Preferred Stock are entitled to receive, out of legally available 
funds, cash dividends at the rate of 2.822% per annum, or $28.22 per share per year, payable in cash quarterly in arrears commencing 
on December 30, 2014.

185

 
Each share of the 2.822% Preferred Stock is convertible during the 90-day period beginning December 23, 2019, at the 
option of NRG or the holder. Holders tendering the 2.822% Preferred Stock for conversion shall be entitled to receive, for each 
share of 2.822% Preferred Stock converted, $1,378 in cash and a number of shares of NRG common stock equal in value to the 
product of (a) the greater of (i) the difference between the average closing share price of NRG common stock on each of the twenty 
consecutive scheduled trading days starting on the date thirty exchange business days immediately prior to the conversion date,
or the Market Price, and $40.71 and (ii) zero, times (b) 50.7743. The number of shares of NRG common stock to be delivered 
under the conversion feature is limited to 16,000,000 shares. If upon conversion, the Market Price is less than $27.14, then the 
Holder will deliver to NRG cash or a number of shares of NRG common stock equal in value to the product of (i) $27.14 minus 
the Market Price, times (ii) 50.7743. NRG may elect to make a cash payment in lieu of delivering shares of NRG common stock 
in connection with such conversion, and NRG may elect to receive cash in lieu of shares of common stock, if any, from the Holder 
in connection with such conversion. The conversion feature is considered an embedded derivative per ASC 815 that is exempt 
from derivative accounting as it is excluded from the scope pursuant to ASC 815.

If a fundamental change occurs, including, among others, insolvency or a change of control, the holders will have the right 
to require NRG to repurchase all or a portion of the 2.822% Preferred Stock for a period of time after the fundamental change at 
a purchase price equal to 100% of the liquidation preference, plus accumulated and unpaid dividends. The 2.822% Preferred Stock 
is senior to all classes of common stock and junior to all of the Company's existing and future debt obligations and all of NRG 
subsidiaries' existing and future liabilities and capital stock held by persons other than NRG or its subsidiaries.

The  following  table  reflects  the  changes  in  the  Company's  redeemable  preferred  stock  balance  for  the  years  ended 

December 31, 2015, and 2014.

Balance as of December 31, 2013

Loss recorded in connection with extinguishment of 3.625% preferred stock and issuance of 2.822%
preferred stock

Balance as of December 31, 2014

Accretion to redemption value
Balance as of December 31, 2015

(In millions)

$

$

249

42

291

11

302

Note 16 — Investments Accounted for by the Equity Method and Variable Interest Entities 

Entities that are not Consolidated

NRG accounts for the Company's significant investments using the equity method of accounting.  NRG's carrying value of 
equity investments can be impacted by impairments, unrealized gains and losses on derivatives and movements in foreign currency 
exchange rates, as well as other adjustments.

The following table summarizes NRG's significant equity method investments as of December 31, 2015:

Name

Avenal Solar Holdings LLC (a)
Community Wind North, LLC
Desert Sunlight Investment Holdings, LLC (a)
Elkhorn Ridge Wind, LLC (a)
GenConn Energy LLC (a)
Midway-Sunset Cogeneration Company
Petra Nova Parish Holdings LLC
Saguaro Power Company
San Juan Mesa Wind Project, LLC (a)
Sherbino I Wind Farm LLC
Watson Cogeneration Company
Gladstone Power Station (b)
Other

(a) Equity method investments owned by NRG Yield
(b) Gladstone Power Station is located in Australia 

186

Economic
Interest

Investment
Balance
(in millions)

50.0% $
99.0%
25.0%
66.7%
50.0%
50.0%
50.0%
50.0%
75.0%
50.0%
49.0%
37.5%
Various

(9)
57
291
96
110
25
136
(20)
80
80
36
149
14

Undistributed earnings from equity investments

As of December 31,

2015

2014

$

(In millions)

55

$

76

Desert Sunlight — As described in Note 3, Business Acquisitions and Dispositions, on June 29, 2015, NRG Yield, Inc., 
through its subsidiary Yield Operating, acquired 25% of the membership interest in Desert Sunlight Investment Holdings, LLC, 
which owns two solar photovoltaic facilities that total 550 MW located in Desert Center, California from EFS Desert Sun, LLC, 
an affiliate of GE Energy Financial Services, for a purchase price of $285 million.  The Company accounts for its 25% investment 
as an equity method investment.

Petra Nova — As further described in Note 3, Business Acquisitions and Dispositions, on July 3, 2014, NRG, through its 
wholly owned subsidiary Petra Nova Holdings LLC, sold 50% of its interest in Petra Nova Parish Holdings LLC to JX Nippon Oil 
Exploration (EOR) Limited, or JX Nippon, a wholly owned subsidiary of JX Nippon Oil & Gas Exploration Corporation.  As a 
result of the sale, the Company no longer has a controlling interest in and has deconsolidated Petra Nova Parish Holdings LLC as 
of the date of the sale. NRG's 50% interest in the partnership is accounted for as an equity method investment. 

Variable Interest Entities

NRG  accounts  for  its  interests  in  certain  entities  that  are  considered VIEs  under ASC  810,  but  NRG  is  not  the  primary 

beneficiary, under the equity method.

GenConn — NRG owns a 50% interest in GenConn, a limited liability company formed to construct, own and operate two 

190 MW peaking generation facilities in Connecticut at NRG's Devon and Middletown sites. 

GenConn has a $237 million note with an interest rate of 4.73% and a maturity date of July 2041 and a 5-year, $35 million 
working capital facility which can be used to issue letters of credit at an interest rate of 1.875%.  As of December 31, 2015, $220 
million was outstanding under the note and $14 million was drawn on the working capital facility. The note is secured by all of the 
GenConn assets.  NRG's maximum exposure to loss is limited to its equity investment, which was $110 million as of December 
31, 2015.

As discussed in Note 21, Related Party Transactions, NRG earns revenues from an operations and management agreements 

with Devon and Middletown and interest income from a note receivable with GenConn.

Sherbino — NRG owns a 50% interest in Sherbino, a joint venture with BP Wind Energy North America Inc. Sherbino is a 
150 MW wind farm, which commenced commercial operations in October 2008. In December 2008, Sherbino entered into a 15-
year term loan facility which is non-recourse to NRG.  As of December 31, 2015, the outstanding principal balance of the term 
loan facility was $87 million, and is secured by substantially all of Sherbino's assets and membership interests.  NRG's maximum 
exposure to loss is limited to its equity investment, which was $80 million as of December 31, 2015.

Other Equity Investments

Gladstone — Through a joint venture, NRG owns a 37.5% interest in Gladstone, a 1,613 MW coal-fueled power generation 
facility in Queensland, Australia. The power generation facility is managed by the joint venture participants and the facility is 
operated by NRG. Operating expenses incurred in connection with the operation of the facility are funded by each of the participants 
in proportion to their ownership interests. Coal is sourced from local mines in Queensland. NRG and the joint venture participants 
receive their respective share of revenues directly from the off takers in proportion to the ownership interests in the joint venture. 
Power generated by the facility is primarily sold to an adjacent aluminum smelter, with excess power sold to the Queensland 
Government owned utility under long term supply contracts.  The Company recorded an impairment loss for Gladstone in the fourth
quarter of 2013 of $92 million, as described in Note 10, Asset Impairments.  NRG's investment in Gladstone was $149 million as 
of December 31, 2015.   

Entities that are Consolidated

  The Company has a controlling financial interest in certain entities which have been identified as VIEs under ASC 810.  
These arrangements are primarily related to tax equity arrangements entered into with third-parties in order to finance the cost of 
solar energy systems under operating leases and wind facilities eligible for certain tax credits as further described in Note 2, Summary 
of Significant Accounting Policies.  For one of the tax equity arrangements, the Company has a deficit restoration obligation equal 
to $23 million as of December 31, 2015, which would be required to be funded if the arrangement were to be dissolved.  

187

 
 
The summarized financial information for the Company's consolidated VIEs consisted of the following:

(In millions)
Current assets

Net property, plant and equipment

Other long-term assets

Total assets

Current liabilities

Long-term debt

Other long-term liabilities

Total liabilities

Noncontrolling interests

$

December 31, 2015

84

1,807

863

2,754

56

366

179

601

493

Net assets less noncontrolling interests

$

1,660

188

Note 17 — Earnings/(Loss) Per Share 

Basic earnings/(loss) per common share is computed by dividing net income/(loss) less accumulated preferred stock dividends 
by the weighted average number of common shares outstanding. Shares issued and treasury shares repurchased during the year 
are weighted for the portion of the year that they were outstanding. Diluted earnings/(loss) per share is computed in a manner 
consistent with that of basic earnings/(loss) per share while giving effect to all potentially dilutive common shares that were 
outstanding during the period. 

Dilutive effect for equity compensation and other equity instruments — The outstanding non-qualified stock options, non-
vested restricted stock units, and market stock units are not considered outstanding for purposes of computing basic earnings/
(loss) per share. However, these instruments are included in the denominator for purposes of computing diluted earnings/(loss) 
per share under the treasury stock method.  The if-converted method is used to determine the dilutive effect of embedded derivatives 
in the Company's 2.822% Preferred Stock.

The reconciliation of NRG's basic earnings/(loss) per share to diluted earnings/(loss) per share is shown in the following 

table:

Basic (loss)/earnings per share attributable to NRG common stockholders

Net (loss)/income attributable to NRG Energy, Inc.

Dividends for preferred shares

Dividends for refinancing of preferred shares

(Loss)/Income Available to Common Stockholders

Weighted average number of common shares outstanding

(Loss)/Earnings per weighted average common share — basic
Diluted (loss)/earnings per share attributable to NRG common stockholders

Weighted average number of common shares outstanding

Incremental shares attributable to the issuance of equity compensation (treasury stock

method)

Total dilutive shares

Year Ended December 31,

2015

2014

2013

(In millions, except per share amounts)

$

$

$

(6,382) $

134

$

(386)

20

—

(6,402) $

329

9

47

78

334

$

(19.46) $

0.23

$

329

—

329

334

5

339

9

—

(395)

323

(1.22)

323

—

323

(Loss)/Earnings per weighted average common share — diluted

$

(19.46) $

0.23

$

(1.22)

The following table summarizes NRG's outstanding equity instruments that are anti-dilutive and were not included in the 

computation of the Company's diluted earnings/(loss) per share:

Equity compensation
Embedded derivative of 2.822% redeemable perpetual preferred stock(a) 
Total

(a)  At December 31, 2013, the redeemable perpetual preferred stock had an interest rate of 3.625%.

Year Ended December 31,

2015

2014

2013

(In millions of shares)

6

16

22

1

16

17

9

16

25

189

 
Note 18 — Segment Reporting 

Effective in December 2014, the Company's segment structure and its allocation of corporate expenses were updated to 
reflect how management makes financial decisions and allocates resources. The Company has recast data from prior periods to 
reflect this change in reportable segments to conform to the current year presentation.  The Company's businesses are segregated 
as follows: NRG Business; NRG Home, which includes NRG Home Retail and NRG Home Solar; NRG Renew, which includes 
solar and wind assets, excluding those in NRG Yield; NRG Yield and corporate activities.  The Company's corporate segment 
includes BETM, international business and electric vehicle services. Intersegment sales are accounted for at market. NRG Yield 
includes certain of the Company's contracted generation assets. NRG Yield acquired certain assets from the Company, which were 
accounted for as transfers of entities under common control and accordingly, all historical periods have been recast to reflect these 
changes: 

•  On June 30, 2014, El Segundo Energy Center, formerly in the NRG Business segment, Kansas South and High Desert, 

both formerly in the NRG Renew segment. 

•  On January 2, 2015, Walnut Creek, formerly in the NRG Business segment, the Tapestry projects (Buffalo Bear, Pinnacle, 

and Taloga) and Laredo Ridge, both formerly in the NRG Renew segment. 

•  On November 3, 2015, 75% of the class B interests in NRG Wind TE Holdco, which owns a portfolio of 12 wind facilities, 

formerly in the NRG Renew segment.  

NRG’s chief operating decision maker, its chief executive officer, evaluates the performance of its segments based on 

operational measures including adjusted earnings before interest, taxes, depreciation and amortization, or Adjusted EBITDA, 
free cash flow and capital for allocation, as well as net income/(loss) and net income/(loss) attributable to NRG Energy, Inc.

For the years ended December 31, 2015, 2014, and 2013, there were no customers from whom the Company derived 

more than 10% of the Company's consolidated revenues.  

190

 
 
For the Year Ended December 31, 2015

NRG Home

NRG
Business

Retail

Solar

NRG
Renew

NRG
Yield

Corporate

Eliminations 

Total

(in millions)

$

9,142

$ 5,389

$

32

$

Operating revenues(a)

Operating expenses

Depreciation and amortization

Impairment charges

Acquisition-related transaction and integration costs

Development activity expenses

7,811

907

4,827

—

24

4,577

123

36

1

—

Total operating cost and expenses

13,569

4,737

Gain on sale of assets

Operating (loss)/income

Equity in earnings/(losses) of unconsolidated

affiliates

Impairment losses on investments

Other income, net

Loss on sale of equity-method investment

(Loss)/gain on debt extinguishment

Interest expense

(Loss)/income before income taxes

Income tax expense/(benefit)

21

(4,406)

7

(14)

40

—

—

(98)

(4,471)

1

—

652

—

—

—

—

—

—

652

—

204

25

132

(8)

—

353

—

(321)

—

—

—

—

—

(3)

(324)

—

$

474

218

212

13

—

70

513

—

(39)

1

4

—

—

(108)

(142)

(18)

Net (loss)/income

$ (4,472) $

652

$ (324) $

(124) $

Less: Net (loss)/income attributable to

noncontrolling interests and redeemable
noncontrolling interests

Net (loss)/income attributable to NRG Energy,

Inc.

Balance sheet

Equity investments in affiliates
Capital expenditures(b)

Goodwill

Total assets

(a) Operating revenues include inter-segment sales

and net derivative gains and losses of:

 (b) Includes accruals.

$

— $ — $

(20) $

6

$

$ (4,472) $

652

$ (304) $

(130) $

185

798

536

30

340

17,139

1,876

—

144

—

413

134

163

12

869

324

265

—

3

—

592

—

277

35

—

2

—

(9)

(238)

67

12

55

19

36

798

30

—

$

(14) $

(1,218) $ 14,674

61

34

—

14

60

169

—

(183)

—

(42)

84

(14)

84

(776)

(847)

1,347

(1,220)

11,975

—

22

—

—

1,566

5,030

10

154

(1,198)

18,735

—

(20)

(7)

—

(97)

—

—

95

(29)

—

21

(4,040)

36

(56)

33

(14)

75

(1,128)

(5,094)

1,342

$

$

$

(2,194) $

(29) $

(6,436)

(17) $

(42) $

(54)

(2,177) $

13

$

(6,382)

276

102

111

(348)

—

—

1,045

1,267

999

5,954

7,775

19,576

(19,851)

32,882

$

947

$

6

$

1

$

23

$

29

$

212

$

— $

1,218

191

 
 
 
 
Operating revenues(c)

Operating expenses

Depreciation and amortization

Impairment charges

Acquisition-related transaction and integration costs

Development activity expenses

Total operating cost and expenses

Gain on sale of assets

Operating income/(loss)

Equity in earnings/(losses) of unconsolidated

affiliates

Other income, net

Gain on sale of equity-method investment

Loss on debt extinguishment

Interest expense

Income/(loss) before income taxes

Income tax expense/(benefit)

Net income/(loss)

Less: Net (loss)/income attributable to

noncontrolling interests and redeemable
noncontrolling interests

Net income/(loss) attributable to NRG Energy,

Inc.

Balance sheet
Equity investments in affiliates
Capital expenditures(e)
Goodwill
Total assets

For the Year Ended December 31, 2014

NRG
Business

NRG Home

Retail

Solar

NRG 
Renew (d)

NRG
Yield
(in millions)

Corporate

Eliminations(d)

Total

$ 11,024

$ 5,503

$

42

$

8,894

5,240

108

966

122

87

1

13

—

3

—

6

—

—

—

9,961

5,365

114

19

1,082

23

35

18

—

(95)

1,063

1

1,062

—

138

—

—

—

—

(1)

137

—

137

—

(72)

—

—

—

—

(1)

(73)

—

(73)

$

427

183

195

32

—

42

452

—

(25)

(4)

5

—

(1)

(122)

(147)

—

(147)

(1)

—

(19)

2

$

746

274

202

—

4

—

480

—

266

25

3

—

—

(191)

103

4

99

16

75

72

32

—

76

36

216

—

(141)

3

78

—

(94)

(806)

(960)

(2)

(958)

$

(1,949) $

15,868

(1,950)

—

(22)

—

—

12,821

1,523

97

84

91

(1,972)

14,616

—

23

(9)

(99)

—

—

97

12

—

12

19

1,271

38

22

18

(95)

(1,119)

135

3

132

24

(24)

(2)

$

1,063

$

137

$ (54) $

(149) $

83

$

(982) $

36

$

134

$

141

611

1,746

$ — $ — $

34

387

113

98

148

160

12

$

410

$

174

$

(102) $

13

—

53

331

—

—

771

984

2,574

$ 28,317

$ 6,049

$ 222

$

6,481

$ 7,860

$

30,727

$

(39,190) $

40,466

(c) Operating revenues include inter-segment sales

and net derivative gains and losses of:

$

1,820

$

7

$ — $

25

$

12

$

85

$

— $

1,949

(d) Includes an impairment loss resulting from the intercompany sale of solar panels at current market rates. The use of these long-lived assets is anticipated to 
generate sufficient cash flows to recover the historical cost of the assets and accordingly, the impairment loss was eliminated and the assets remain at historical 
cost in consolidation.
(e) Includes accruals.

192

 
 
 
 
 
 
Operating revenues(f)

Operating expenses

Depreciation and amortization

Impairment charges

Acquisition-related transaction and integration costs

Development activity expenses

Total operating costs and expenses

Operating income/(loss)

Equity in earnings/of unconsolidated affiliates

Impairment losses on investments

Other income, net

Loss on debt extinguishment

Interest expense

(Loss)/income before income taxes

Income tax expense/(benefit)

Net (loss)/income

Less: Net income attributable to noncontrolling
interests and redeemable noncontrolling
interests

Net (loss)/income attributable to NRG Energy, Inc.

(f) Operating revenues include inter-segment sales

and net derivative gains and losses of:

For the Year Ended December 31, 2013

NRG Home

NRG
Business

Retail

Solar

NRG
Renew

NRG
Yield

Corporate

Eliminations

Total

$

8,638

$ 4,341

$

7,235

930

459

—

14

8,638

—

(6)

—

32

—

(107)

(81)

—

(81)

—

(81)

3,814

141

—

—

—

3,955

386

—

—

—

—

(2)

384

—

384

—

384

(in millions)
387

$

$

$

214

77

86

—

—

34

197

17

(7)

—

2

—

(52)

(40)

—

(40)

22

(62)

155

74

—

—

—

229

158

22

—

3

—

(52)

131

8

123

13

110

4

—

4

—

—

9

13

(9)

—

—

—

—

—

(9)

—

(9)

—

(9)

19

41

21

—

128

27

217

(198)

—

(99)

77

(50)

(735)

(1,005)

(290)

(715)

14

(729)

$

(2,308) $ 11,295

(2,297)

—

—

—

—

9,025

1,256

459

128

84

(2,297)

10,952

(11)

(2)

—

(101)

—

100

(14)

—

(14)

(15)

1

343

7

(99)

13

(50)

(848)

(634)

(282)

(352)

34

(386)

$

2,055

$

5

$ — $

14

$

7

$

227

$

— $

2,308

193

 
 
 
 
 
Note 19 — Income Taxes 

The income tax provision from continuing operations consisted of the following amounts:

Current
State

Total — current
Deferred

U.S. Federal
State
Foreign

Total — deferred

Total income tax expense/(benefit)

Effective tax rate

Year Ended December 31,

2015

2014

2013

(In millions, except percentages)

$

$

$

$

6
6

1,020
315
1
1,336
1,342
(26.3)%

$

8
8

(50)
41
4
(5)
3
2.2%

$

11
11

(207)
(57)
(29)
(293)
(282)
44.5%

The following represents the domestic and foreign components of income/(loss) before income tax expense/(benefit):

U.S. 
Foreign
Total

Year Ended December 31,

2015

2014

(In millions)

2013

$

$

(5,105) $
11
(5,094) $

126
9
135

$

$

(549)
(85)
(634)

A reconciliation of the U.S. federal statutory rate of 35% to NRG's effective rate is as follows:

Year Ended December 31,

2015

2014

2013

(In millions, except percentages)

(Loss)/Income Before Income Taxes
Tax at 35%
State taxes
Foreign operations
Federal and state tax credits, excluding PTCs
Valuation allowance
Expiration/utilization of capital losses
Reversal of valuation allowance on expired/utilized capital losses
Impact of non-taxable equity earnings
Book goodwill impairment
Net interest accrued on uncertain tax positions
Production tax credit
Recognition of uncertain tax benefits
Tax expense attributable to consolidated partnerships
Impact of change in effective state tax rate
Other

Income tax expense/(benefit)
Effective income tax rate

$

$

(5,094)
(1,783)
(218)
1
(5)
3,039
—
—
(10)
340
(3)
(33)
(15)
12
19
(2)
1,342
(26.3)%

$

$

$

$

135
47
9
1
(1)
6
—
—
(11)
—
(2)
(48)
(30)
4
22
6
3
2.2%

(634)
(222)
19
5
(36)
(5)
10
(10)
(14)
—
(3)
(14)
(11)
8
(21)
12
(282)
44.5%

For the year ended  December 31, 2015, NRG's overall effective tax rate was different than the statutory rate of 35% 
primarily due to recording of a valuation allowance on the federal and certain state net deferred tax assets that may not be realizable 
under a “more likely than not” measurement. In addition, a portion of the book goodwill impairment is classified as a permanent 
reversal impacting the effective tax rate.

194

 
 
 
 
 
 
 
For the year ended December 31, 2014, NRG's overall effective tax rate was different than the statutory rate of 35% primarily 
due to the generation of PTCs generated from various wind facilities including assets acquired in the EME transaction, and a 
benefit resulting from the recognition of uncertain tax benefits, partially offset by state and local income taxes including a change 
in the effective state rate.

 For the year ended December 31, 2013, NRG's overall effective tax rate was different than the statutory rate of 35% primarily 
due to the generation of ITCs from the Company's Agua Caliente solar project in Arizona of $36 million and PTCs generated from 
certain Gulf Coast wind facilities of $14 million.

 The temporary differences, which gave rise to the Company's deferred tax assets and liabilities consisted of the following:

As of December 31,

2015

2014

(In millions)

Deferred tax liabilities:
Emissions allowances
Difference between book and tax basis of property
Derivatives, net
Goodwill
Cumulative translation adjustments
Investment in projects
Intangibles amortization (excluding goodwill)
Other
Total deferred tax liabilities

Deferred tax assets:

Deferred compensation, pension, accrued vacation and other reserves
Discount/premium on notes
Difference between book and tax basis of property
Goodwill
Differences between book and tax basis of contracts
Pension and other postretirement benefits
Equity compensation
Bad debt reserve
U.S. capital loss carryforwards
U.S. Federal net operating loss carryforwards
Foreign net operating loss carryforwards
State net operating loss carryforwards
Foreign capital loss carryforwards
Deferred financing costs
Federal and state tax credit carryforwards
Federal benefit on state uncertain tax positions
Intangibles amortization (excluding goodwill)
Inventory obsolescence
Other
Total deferred tax assets
Valuation allowance
Total deferred tax assets, net of valuation allowance

Net deferred tax asset

The following table summarizes NRG's net deferred tax position:

Net deferred tax asset — noncurrent
Net deferred tax liability — noncurrent
Net deferred tax asset

195

$

$

$

$

$

31
—
22
—
2
838
—
—
893

255
68
1,210
39
516
218
50
6
1
1,373
59
230
1
6
439
17
90
27
11
4,616
(3,575)
1,041
148

$

As of December 31,

2015

2014

$

(In millions)
167
(19)
148

$

25
127
320
202
8
849
99
2
1,632

266
99
—
—
531
157
77
9
—
1,523
65
302
1
23
357
17
—
29
—
3,456
(265)
3,191
1,559

1,580
(21)
1,559

 
 
 
 
 
 
 
 
Deferred tax assets and valuation allowance

Net deferred tax balance — As of December 31, 2015, and 2014, NRG recorded a net deferred tax asset of $148 million and 
$1.5 billion, respectively. The Company believes the federal and certain state net deferred tax assets may not be realizable under 
a “more likely than not” measurement and as such, a valuation allowance has been recorded to reduce the asset accordingly. The 
Company assesses cumulative and forecasted pretax book earnings, the future reversal of existing taxable temporary differences 
as well as assumptions and analysis used in assessing certain fixed assets and goodwill impairments during the quarter.

Based on the Company's assessment of positive and negative evidence, including available tax planning strategies, NRG 
believes that it is more likely than not that a benefit will not be realized on $3,575 million and $265 million of tax assets as of 
December 31, 2015, and 2014, respectively, thus a valuation allowance has been recorded.  

NOL  carryforwards — At  December 31,  2015,  the  Company  had  tax  effected  cumulative  domestic  NOLs  consisting  of 
carryforwards for federal income tax purposes of $1.4 billion and state of $230 million.  The Company estimates it will need to 
generate future taxable income to fully realize the net federal deferred tax asset before expiration commencing in 2026. In addition, 
NRG has cumulative foreign NOL carryforwards of $59 million with no expiration date. 

Valuation  allowance — As  of  December 31,  2015,  the  Company's  tax  effected  valuation  allowance  was  $3,575  million, 
consisting of domestic federal net deferred tax assets of approximately $2,973 million, domestic state net deferred tax assets of 
$542 million, foreign net operating loss carryforwards of $59 million and foreign capital loss carryforwards of approximately $1 
million. Based upon the assessment of cumulative and forecasted pretax book earnings, the future reversal of existing taxable 
temporary differences as well as assumptions and analysis used in assessing certain fixed assets and goodwill impairments, it was 
determined that a valuation allowance was required to be recorded during the quarter.

Taxes Receivable and Payable

As of December 31, 2015, NRG recorded a current tax payable of $5 million that represents a tax liability due for domestic 
state taxes.  NRG has a domestic tax receivable of $42 million, of which $13 million relates to federal cash grants applied for
eligible solar energy projects, net of sequestration.  The remaining balance of $29 million is primarily related to current tax refunds 
due from the New York State Empire Zone program generated in years 2010 through 2014. 

Uncertain tax benefits

NRG has identified uncertain tax benefits whose after-tax value is $32 million for which, as of December 31, 2015, and 
2014, NRG has recorded a non-current tax liability of $35 million and $53 million, respectively.  The Company recognizes interest 
and penalties related to uncertain tax benefits in income tax expense.  During the year ended December 31, 2015, the Company 
recognized a benefit of $5 million in interest and penalties and accrued interest of $2 million.  As of December 31, 2015 and 2014, 
NRG had cumulative interest and penalties related to these uncertain tax benefits of $3 million and $5 million, respectively.

Tax jurisdictions — NRG is subject to examination by taxing authorities for income tax returns filed in the U.S. federal 

jurisdiction and various state and foreign jurisdictions including operations located in Australia. 

The Company is no longer subject to U.S. federal income tax examinations for years prior to 2012.  With few exceptions, 

state and local income tax examinations are no longer open for years before 2009.

The following table reconciles the total amounts of uncertain tax benefits:

Balance as of January 1
Increase due to current year positions
Increase due to prior year positions
Decrease due to prior year positions
Decrease due to settlements and payments
Uncertain tax benefits as of December 31

196

As of December 31,

2015

2014

(In millions)

71
4
—
(25)
(18)
32

$

$

115
—
10
(27)
(27)
71

$

$

 
 
 
 
Note 20 — Stock-Based Compensation 

NRG Energy, Inc. Long-Term Incentive Plan

As of December 31, 2015, and 2014, a total of 22,000,000 shares of NRG common stock were authorized for issuance under 
the NRG LTIP, and 5,558,390 shares of NRG common stock were authorized for issuance under the NRG GenOn LTIP. The NRG 
LTIP and the NRG GenOn LTIP are subject to adjustments in the event of reorganization, recapitalization, stock split, reverse 
stock split, stock dividend, and a combination of shares, merger or similar change in NRG's structure or outstanding shares of 
common stock.  There were 6,240,648 and 6,184,157 shares of common stock remaining available for grants under the NRG LTIP 
as of December 31, 2015, and 2014, respectively.  There were 1,671,633 and 2,150,019 shares of common stock remaining available 
for grants under the NRG GenOn LTIP as of December 31, 2015, and 2014, respectively.  

Non-Qualified Stock Options

NQSOs granted under the NRG LTIP and the NRG GenOn LTIP typically have three-year graded vesting schedules beginning 
on the grant date and become exercisable at the end of the requisite service period.  NRG recognizes compensation costs for 
NQSOs over the requisite service period for the entire award.  The maximum contractual term is 10 years for NRG's outstanding 
NQSOs. No NQSOs were granted in 2015, 2014 or 2013.

The following table summarizes the Company's NQSO activity and changes during the year:

Outstanding at December 31, 2014

Forfeited
Exercised

Outstanding at December 31, 2015
Exercisable at December 31, 2015

Shares

Weighted Average
Exercise Price

Weighted Average
Remaining Contractual
Term (In years)

Aggregate 
Intrinsic Value
(In millions)

(In whole)

$

2,533,177
(59,617)
(401,647)
2,071,913
2,071,913

30.95
35.28
23.23
32.27
32.27

2

$

3
3

9

—
—

The following table summarizes the total intrinsic value of options exercised and the cash received from the exercises of 

options:

2015

Year Ended December 31,
2014
(In millions, except for weighted average)

2013

Total intrinsic value of options exercised
Cash received from options exercised

Restricted Stock Units

$

$

2
9

$

7
21

19
33

As of December 31, 2015, RSUs granted under the Company's LTIPs typically fully vest three years from the date of issuance.  
Fair value of the RSUs is based on the closing price of NRG common stock on the date of grant.  The following table summarizes 
the Company's non-vested RSU awards and changes during the year:

Non-vested at December 31, 2014

Granted
Forfeited
Vested

Non-vested at December 31, 2015

Units

Weighted Average Grant-
Date Fair Value per Unit

(In whole)

$

2,674,626
741,351
(266,802)
(887,179)
2,261,996

26.15
27.31
27.98
23.31
27.59

The total fair value of RSUs vested during the years ended December 31, 2015, 2014, and 2013, was $10 million, $26 million 
and $22 million, respectively.  The weighted average grant date fair value of RSUs granted during the years ended December 31, 
2015, 2014, and 2013 was $27.31, $29.90, and $23.37, respectively. In January 2016, an additional 200,366 restricted stock units 
were forfeited.

197

 
 
 
 
 
 
Deferred Stock Units

DSUs represent the right of a participant to be paid one share of NRG common stock at the end of a deferral period established 
under the terms of the award.  DSUs granted under the Company's LTIPs are fully vested at the date of issuance.  Fair value of 
the DSUs, which is based on the closing price of NRG common stock on the date of grant, is recorded as compensation expense 
in the period of grant.

The following table summarizes the Company's outstanding DSU awards and changes during the year:

Outstanding at December 31, 2014

Granted
Converted to Common Stock

Outstanding at December 31, 2015

Units

Weighted Average Grant-
Date Fair Value per Unit

(In whole)

$

384,663
70,929
(28,014)
427,578

21.21
25.14
24.78
21.88

The aggregate intrinsic values for DSUs outstanding as of December 31, 2015, 2014, and 2013 were approximately $5 
million, $10 million, and $7 million respectively.  The aggregate intrinsic values for DSUs converted to common stock for the 
years ended December 31, 2015, 2014, and 2013 were less than a million, $1 million and $12 million, respectively.  The weighted
average grant date fair value of DSUs granted during the years ended December 31, 2015, 2014, and 2013 was $25.14, $35.63 
and $23.18, respectively.

Market Stock Units

MSUs are restricted grants where the quantity of shares increases and decreases alongside the Company's Total Shareholder 
Return, or TSR.  Each MSU represents the potential to receive NRG common stock after the completion of the performance period, 
typically three years of service from the date of grant. For awards prior to 2014, the number of shares of NRG common stock to 
be paid (if any) as of the vesting date for each MSU will depend on the TSR. The number of shares of common stock to be paid 
as of the vesting date for each MSU is equal to: (i) one half of one share of common stock if the TSR has decreased by no more 
than 50% of the value of the common stock on the date of grant; (ii) one share of common stock, if the TSR equals the value of 
the common stock on the date of grant; and (iii) two shares of common stock if the TSR is 200% or greater of the value of the 
common stock on the date of grant.  If the TSR is less than 50% of the value of the common stock on the date of grant, no common 
stock will be paid.  If the TSR is between 50% and 200%, shares awarded are interpolated.  The value of the common stock on 
the date of grant is based on the 20-day average of the common stock closing price. 

For 2014 and future awards, the number of shares of NRG common stock to be paid (if any) as of the vesting date for each 
MSU will depend on the TSR. The number of shares of common stock to be paid as of the vesting date for each MSU is equal to: 
(i) three quarters of one share of common stock if the TSR has decreased by no more than 25% of the value of the common stock 
on the date of grant; (ii) one share of common stock, if the TSR equals the value of the common stock on the date of grant; and
(iii) two shares of common stock if the TSR is 200% or greater of the value of the common stock on the date of grant.  If the TSR 
is less than 75% of the value of the common stock on the date of grant, no common stock will be paid.  If the TSR is between 75% 
and 200%, shares awarded are interpolated.  The value of the common stock on the date of grant is based on the 20-day average 
of the common stock closing price. 

The following table summarizes the Company's non-vested MSU awards and changes during the year:

Non-vested at December 31, 2014

Granted
Vested
Forfeited

Non-vested at December 31, 2015

Units

Weighted Average Grant-
Date Fair Value per Unit

(In whole)

$

2,304,569
1,108,410
(1,230,410)
(202,412)
1,980,157

26.13
26.68
21.86
29.44
29.54

The weighted average grant date fair value of MSUs granted during the years ended December 31, 2015, 2014 and 2013, 
was $26.68, $31.90 and $27.46, respectively.  In January 2016, an additional 1,239,829 market stock units were forfeited due to 
employee terminations and not meeting performance targets.

198

 
The fair value of MSUs is estimated on the date of grant using a Monte Carlo simulation model and expensed over the 
service period, which equals the vesting period.  Significant assumptions used in the fair value model with respect to the Company's 
MSUs are summarized below:

Expected volatility
Expected term (in years)
Risk free rate

2015

2014

24.08%-25.20% 23.62%-27.43%
3-4
0.76%-1.21%

1-3
0.25%-1.07%

For the years ended December 31, 2015, and 2014, expected volatility is calculated based on NRG's historical stock price 

volatility data over the period commensurate with the expected term of the MSU, which equals the vesting period.

Supplemental Information

The following table summarizes NRG's total compensation expense recognized for the years presented as well as total non-
vested  compensation  costs  not  yet  recognized  and  the  period  over  which  this  expense  is  expected  to  be  recognized  as  of 
December 31, 2015, for each of the five types of awards issued under the LTIPs.  Minimum tax withholdings of $21 million, $16 
million, and $13 million for the years ended December 31, 2015, 2014, and 2013, respectively, are reflected as a reduction to 
Additional Paid-in Capital on the Company's Consolidated Balance Sheet and are reflected as operating activities on the Company's 
Consolidated Statement of Cash Flows.

Award

NQSOs(a)
RSUs
DSUs
MSUs
PUs(a)
Total
Tax detriment recognized

Compensation Expense

Non-vested Compensation Cost

Unrecognized
Total Cost

Weighted Average
Recognition Period
Remaining (In years)

Year Ended December 31
2014

2013

2015

As of December 31

2015

2015

(In millions, except weighted average data)

$

$
$

— $
23
2
16
—
41
$
(12) $

$

1
20
2
19
—
42
$
(8) $

$

$

4
18
2
14
2
40
(6)

—
26
—
12
—
38

—
1.79
—
1.44
—

(a) All NQSOs and PUs granted under the Company's LTIP were fully vested as of December 31, 2015.

Note 21 — Related Party Transactions 

The following table summarizes NRG's material related party transactions with affiliates that are included in the Company's 

operating revenues, operating costs and other income and expense:

Revenues from Related Parties Included in Operating Revenues

Gladstone
GenConn
Total

Year Ended December 31,

2015

2014

(In millions)

2013

$

$

4
4
8

$

$

6
6
12

$

$

6
5
11

Gladstone — NRG provides services to Gladstone, an equity method investment, under an operations and maintenance 
agreement.  Fees for services under this contract primarily include recovery of NRG's costs of operating the plant as approved in 
the annual budget, as well as a base monthly fee.

GenConn — NRG has O&M agreements with GenConn Devon and GenConn Middletown that began in June 2011. See 

further discussion in Note 16, Investments Accounted for by the Equity Method and Variable Interest Entities.

199

 
 
 
 
 
 
Conemaugh  and  Keystone  facilities  — The  Company  operates  the  Conemaugh  and  Keystone  facilities  under  five-year 
agreements that initially expired in December 2015 and were renewed through December 2020 that, subject to certain provisions 
and notifications, could be terminated annually with one year's notice. The Company is reimbursed by the other owners for the 
cost of direct services provided to the Conemaugh and Keystone facilities.  Additionally, the Company received fees of $11 million 
during 2015, $10 million in 2014, and $10 million in 2013. 

Note 22 — Commitments and Contingencies 

Operating Lease Commitments

Powerton and Joliet Leases

The Company leases 100% interests in the Powerton facility and Unit 7 and Unit 8 of the Joliet facility through 2034 and 
2030, respectively, through its indirect subsidiary, Midwest Generation, LLC.  The Company accounts for these leases as operating 
leases and records lease expense on a straight-line basis over the lease term.  As further described in Note 3, Business Acquisitions 
and Dispositions, in connection with the acquisition of EME, the Company recorded the out-of-market value as a liability in out-
of-market contracts of $159 million.  The liability will be amortized through rent expense on a straight-line basis over the term of 
the lease.  The Company expects to record lease expense, net of amortization of the out-of-market liability, of approximately $14 
million per year through the term of the lease.

Future minimum lease commitments under the Powerton and Joliet operating leases for the years ending after December 31, 

2015, are as follows:

Period
2016
2017
2018
2019
2020
Thereafter
Total

GenOn Mid-Atlantic Leases

(In millions)

26
1
1
1
1
237
267

$

$

The Company leases 100% interests in the Dickerson and Morgantown coal generation units and associated property through 
2029 and 2034, respectively, through its indirect subsidiary, GenOn MidAtlantic, LLC.  The Company accounts for these leases as 
operating leases and records lease expense on a straight-line basis over the lease term.  In connection with the acquisition of GenOn, 
the Company recorded the out-of-market value as a liability in out-of-market contracts of $604 million.  The liability is being
amortized through rent expense on a straight-line basis over the term of the lease.  The Company expects to record lease expense, 
net of amortization of the out-of-market liability, of approximately $43 million per year through the term of the lease.

Future minimum lease commitments under the GenOn Mid-Atlantic operating leases for the years ending after December 31, 

2015, are as follows:

Period
2016
2017
2018
2019
2020
Thereafter
Total

(In millions)

150
144
105
139
105
442
1,085

$

$

200

REMA Leases 

The Company, through its indirect subsidiary, NRG REMA, LLC, leases a 100% interest in the Shawville coal generation 
facility through 2026 and leases 16.5% and 16.7% interests in the Keystone and Conemaugh coal generation facilities through 
2034, and expects to make payments under the leases through 2029 in accordance with the terms of the leases.  The Company 
accounts for these leases as operating leases and records lease expense on a straight-line basis over the lease term.  In connection 
with the acquisition of GenOn, the Company recorded the out-of-market value as a liability in out-of-market contracts of $186 
million.  The liability is being  amortized through rent expense on a straight-line basis over the term of the lease.  The Company 
expects to record lease expense, net of amortization of the out-of-market liability, of approximately $29 million per year through 
the term of the lease.

In May 2015, NRG mothballed the coal-fired Units 1, 2, 3, and 4 at Shawville generating facility (597 MW) and plans to 
return those units to service no later than the summer of 2016 using natural gas.  Under the lease agreement for Shawville, NRG's 
obligations generally are to pay the required rent and to maintain the leased assets in accordance with the lease documentation, 
including in compliance with prudent competitive electric generating industry practice and applicable laws. 

Future minimum lease commitments under the REMA operating leases for the years ending after December 31, 2015, are as 

follows:

Period
2016
2017
2018
2019
2020
Thereafter
Total

(In millions)

61
63
55
65
56
278
578

$

$

Other Operating Leases

NRG leases certain Company facilities and equipment under operating leases, some of which include escalation clauses, 
expiring on various dates through 2044.  NRG also has certain tolling arrangements to purchase power, which qualify as operating 
leases.  Certain operating lease agreements include provisions such as scheduled rent increases, leasehold incentives, and rent
concessions over their lease term.  The Company recognizes the effects of these scheduled rent increases, leasehold incentives, and 
rent  concessions  on  a  straight-line  basis  over  the  lease  term  unless  another  systematic  and  rational  allocation  basis  is  more 
representative of the time pattern in which the leased property is physically employed.  Lease expense under operating leases was 
$100 million, $106 million, and $88 million for the years ended December 31, 2015, 2014, and 2013, respectively.

Future minimum lease commitments under operating leases for the years ending after December 31, 2015, are as follows:

Period
2016
2017
2018
2019
2020
Thereafter
Total (a)

(In millions)

104
79
72
61
56
410
782

$

$

(a) Amounts in the table exclude future sublease income of $17 million associated with long-term leases for office locations in Texas.

Coal, Gas and Transportation Commitments

NRG has entered into long-term contractual arrangements to procure fuel and transportation services for the Company's 
generation assets and for the years ended December 31, 2015, 2014, and 2013, the Company purchased $2.6 billion, $3.5 billion, 
and $2.8 billion, respectively, under such arrangements.

201

As of December 31, 2015, the Company's commitments under such outstanding agreements are as follows:

Period
2016
2017
2018
2019
2020
Thereafter
Total

(In millions)

887
295
261
169
174
549
2,335

$

$

Purchased Power Commitments

NRG has purchased power contracts of various quantities and durations that are not classified as derivative assets and liabilities 
and do not qualify as operating leases.  These contracts are not included in the consolidated balance sheet as of December 31, 2015.  
Minimum purchase commitment obligations are as follows as of December 31, 2015:

Period
2016
2017
2018
2019
2020
Thereafter
Total (a)
(a)  As of December 31, 2015, the maximum remaining term under any individual purchased power contract is five years. 

(In millions)

50
17
2
1
—
—
70

$

$

Lignite Contract with Texas Westmoreland Coal Co.

The lignite used to fuel the Gulf Coast region's Limestone facility is obtained from the Jewett mine, a surface mine adjacent 
to the Limestone facility, under a long-term contract with Texas Westmoreland Coal Co., or TWCC.  The contract is based on a 
cost-plus arrangement with incentives and penalties to ensure proper management of the mine.  NRG has the flexibility to increase 
or decrease lignite purchases from the mine within certain ranges, including the ability to suspend or terminate lignite purchases 
with adequate notice.  The mining period extends through 2018 with an option to further extend the mining period by two five-
year intervals.

TWCC is responsible for performing ongoing reclamation activities at the mine until all lignite reserves have been produced. 
When production is completed at the mine, NRG will be responsible for final mine reclamation obligations and maintains an 
appropriate ARO. The Railroad Commission of Texas has imposed a bond obligation of $107.5 million on TWCC for the reclamation 
of this lignite mine.  Pursuant to the contract with TWCC, NRG supports this obligation as follows: $76 million is guaranteed by 
NRG Energy, Inc., and $31.5 million is supported by surety bonds posted by NRG.  Additionally, NRG is required to provide 
additional performance assurance over TWCC's current bond obligations if required by the Railroad Commission of Texas. 

First Lien Structure

NRG has granted first liens to certain counterparties on a substantial portion of the Company's assets, excluding assets acquired 
in the GenOn and EME (including Midwest Generation) acquisitions, assets held by NRG Yield, Inc. and NRG's assets that have 
project-level financing, to reduce the amount of cash collateral and letters of credit that it would otherwise be required to post from 
time to time to support its obligations under out-of-the-money hedge agreements for forward sales of power or MWh equivalents.  
The Company's lien counterparties may have a claim on NRG's assets to the extent market prices exceed the hedged price.  As of 
December 31, 2015, hedges under the first lien were in-the-money for NRG on a counterparty aggregate basis.

202

Nuclear Insurance

STP maintains required insurance coverage for liability claims arising from nuclear incidents pursuant to the Price-Anderson 
Act.  Effective October 22, 2015, the current liability limit per incident is $13.5 billion, subject to change to account for the effects 
of inflation and the number of licensed reactors.  An inflation adjustment must be made at least once every five years with the most 
recent adjustment effective September 10, 2013.   Under the Price-Anderson Act, owners of nuclear power plants in the U.S. are 
required to purchase primary insurance limits of $375 million for each operating site.  In addition, the Price-Anderson Act requires 
an additional layer of protection through mandatory participation in a retrospective rating plan for power reactors resulting in an 
additional $13.5 billion in funds available for public liability claims.  The current maximum assessment per incident, per reactor, 
is approximately $127 million, taking into account a 5% adjustment for administrative fees, payable at approximately $19 million 
per year, per reactor.  NRG would be responsible for 44% of the maximum assessment, or $8 million per year, per reactor, and a 
maximum of $112 million per incident.  In addition, the U.S. Congress retains the ability to impose additional financial requirements 
on the nuclear industry to pay liability claims that exceed $13.5 billion for a single incident.  The liabilities of the co-owners of 
STP with respect to the retrospective premium assessments for nuclear liability insurance are joint and several.  

STP purchases insurance for property damage and site decontamination cleanup costs from Nuclear Electric Insurance Limited, 
or NEIL, an industry mutual insurance company, of which STP is a member.  STP has purchased $2.75 billion in limits for nuclear 
events and $1.5 billion in limits for non-nuclear events, the maximum available from NEIL.  The upper $1.25 billion in limits 
(excess of the first $1.5 billion in limits) is a single limit blanket policy shared with two Diablo Canyon nuclear reactors, which 
have no affiliation with the Company.  This shared limit is not subject to automatic reinstatement in the event of a loss.  The NEIL 
policy covers both nuclear and non-nuclear property damage events, and a NEIL companion policy provides Accidental Outage 
coverage for the co-owners of STP's lost revenue following a property damage event, at a weekly indemnity limit of $2.52 million 
per unit up to a maximum of $274.4 million nuclear and $183.5 million non-nuclear, and is subject to an eight-week waiting period.  
NRG also purchased an Accidental Outage policy from NEIL, which provides protection for lost revenue due to an insurable event.
This coverage allows for reimbursement up to $1.98 million per week per unit up to a maximum of $215.6 million nuclear and 
$144 million non-nuclear, and is subject to an eight-week waiting period.  Under the terms of the NEIL policies, member companies 
may be assessed up to ten times their annual premium if the NEIL Board of Directors determines their surplus has been depleted 
due to the payment of property losses at any of the licensed reactors in a single policy year.  NEIL requires that its members maintain 
an investment grade credit rating or insure their annual retrospective obligation by providing a financial guarantee, letter of credit, 
deposit premium, or an insurance policy.  NRG has purchased an insurance policy from NEIL to guarantee the Company's obligation; 
however this insurance will only respond to retrospective premium adjustments assessed within twenty-four months after the policy 
term, whereas NEIL's Board of Directors can make such an adjustment up to 6 years after the policy expires.  

Ivanpah Energy Production Guarantee

The Company's PPAs with PG&E with respect to the Ivanpah project contain provisions for contract quantity and guaranteed 
energy production, which require that Ivanpah units 1 and 3 deliver to PG&E no less than the guaranteed energy production amount 
specified in the PPAs in any period of twenty-four consecutive months, or performance measurement period, during the term of 
the  PPAs.   If  either  of  Ivanpah  units  1  and  3  deliver  less  than  the  guaranteed  energy  production  amount  in  any  performance 
measurement period, PG&E may, at its option, declare an event of default.  The two units did not meet their guaranteed energy 
production amount for the initial performance measurement period.  On December 18, 2015, PG&E filed a request with the CPUC 
that it approve, no later than March 31, 2016, forbearance agreements relating to Ivanpah units 1 and 3.  Under the forbearance 
agreements, PG&E agrees to refrain from taking certain actions (including declaring an event of default and invoking associated 
remedies) for an initial six-month period of time.  If the units meet certain production requirements during such period, then the 
forbearance agreements provide for a six-month extension of such period.  On January 15, 2016, three parties submitted protests 
to the forbearance agreements.  On February 16, 2016, the CPUC issued a draft resolution recommending approval of the Forbearance 
Agreement.  The CPUC will vote on the draft resolution no earlier than 30 days after its issuance.

203

Contingencies

The Company's material legal proceedings are described below.  The Company believes that it has valid defenses to these 
legal proceedings and intends to defend them vigorously.  NRG records reserves for estimated losses from contingencies when 
information available indicates that a loss is probable and the amount of the loss, or range of loss, can be reasonably estimated.  In 
addition, legal costs are expensed as incurred.  Management has assessed each of the following matters based on current information 
and made a judgment concerning its potential outcome, considering the nature of the claim, the amount and nature of damages 
sought,  and  the  probability  of  success.    Unless  specified  below,  the  Company  is  unable  to  predict  the  outcome  of  these  legal 
proceedings or reasonably estimate the scope or amount of any associated costs and potential liabilities.  As additional information 
becomes available, management adjusts its assessment and estimates of such contingencies accordingly.  Because litigation is 
subject to inherent uncertainties and unfavorable rulings or developments, it is possible that the ultimate resolution of the Company's 
liabilities and contingencies could be at amounts that are different from its currently recorded reserves and that such difference 
could be material.

In addition to the legal proceedings noted below, NRG and its subsidiaries are party to other litigation or legal proceedings 
arising in the ordinary course of business.  In management's opinion, the disposition of these ordinary course matters will not 
materially adversely affect NRG's consolidated financial position, results of operations, or cash flows.

Midwest Generation Asbestos Liabilities — The Company, through its subsidiary, Midwest Generation, may be subject to 
potential asbestos liabilities as a result of its acquisition of EME.  The Company is currently analyzing the scope of potential 
liability as it may relate to Midwest Generation. The Company believes that it has established an adequate reserve for these cases. 

Actions Pursued by MC Asset Recovery — With Mirant Corporation's emergence from bankruptcy protection in 2006, certain 
actions filed by GenOn Energy Holdings and some of its subsidiaries against third parties were transferred to MC Asset Recovery, 
a wholly owned subsidiary of GenOn Energy Holdings.  MC Asset Recovery is governed by a manager who is independent of NRG 
and GenOn.  MC Asset Recovery is a disregarded entity for income tax purposes.  Under the remaining action transferred to MC 
Asset  Recovery,  MC  Asset  Recovery  seeks  to  recover  damages  from  Commerzbank  AG  and  various  other  banks,  or  the 
Commerzbank Defendants, for alleged fraudulent transfers that occurred prior to Mirant's bankruptcy proceedings.  In December 
2010, the U.S. District Court for the Northern District of Texas dismissed MC Asset Recovery's complaint against the Commerzbank 
Defendants.  In January 2011, MC Asset Recovery appealed the District Court's dismissal of its complaint against the Commerzbank 
Defendants to the U.S. Court of Appeals for the Fifth Circuit.  In March 2012, the Court of Appeals reversed the District Court's 
dismissal and reinstated MC Asset Recovery's amended complaint against the Commerzbank Defendants.  On December 10, 2015, 
the  District  Court  granted  the  Commerzbank  Defendants'  motion  for  summary  judgment.  On  December  29,  2015,  MC Asset 
Recovery filed a notice to appeal this ruling. If MC Asset Recovery succeeds in obtaining any recoveries from the Commerzbank 
Defendants, the Commerzbank Defendants have asserted that they will seek to file claims in Mirant's bankruptcy proceedings for 
the amount of those recoveries.  GenOn Energy Holdings  would vigorously contest  the  allowance of any such  claims.  If  the 
Commerzbank Defendants were to receive an allowed claim as a result of a recovery by MC Asset Recovery on its claims against 
them, GenOn Energy Holdings would retain from the net amount recovered by MC Asset Recovery an amount equal to the dollar 
amount of the resulting allowed claim.

Natural Gas Litigation — GenOn is party to several lawsuits, certain of which are class action lawsuits, in state and federal 
courts in Kansas, Missouri, Nevada and Wisconsin.  These lawsuits were filed in the aftermath of the California energy crisis in 
2000 and 2001 and the resulting FERC investigations and relate to alleged conduct to increase natural gas prices in violation of 
state antitrust law and similar laws.  The lawsuits seek treble or punitive damages, restitution and/or expenses.  The lawsuits also 
name as parties a number of energy companies unaffiliated with NRG.  In July 2011, the U.S. District Court for the District of 
Nevada, which was handling four of the five cases, granted the defendants' motion for summary judgment and dismissed all claims 
against GenOn in those cases.  The plaintiffs appealed to the U.S. Court of Appeals for the Ninth Circuit which reversed the decision 
of the District Court.  GenOn along with the other defendants in the lawsuit filed a petition for a writ of certiorari to the U.S. 
Supreme Court challenging the Court of Appeals' decision and the Supreme Court granted the petition.  On April 21, 2015, the 
Supreme Court affirmed the Ninth Circuit’s holding that plaintiffs’ state antitrust law claims are not field-preempted by the federal 
Natural  Gas Act  and  the  Supremacy  Clause  of  the  U.S.  Constitution.  The  Supreme  Court  left  open  whether  the  claims  were 
preempted on the basis of conflict preemption. The U.S. Supreme Court directed that the case be remanded to the U.S. District 
Court for the District of Nevada.  The case is proceeding in that court.  GenOn has agreed to indemnify CenterPoint against certain 
losses relating to these lawsuits. 

 In September 2012, the State of Nevada Supreme Court, which was handling the remaining case, affirmed dismissal by the 
Eighth Judicial District Court for Clark County, Nevada of all plaintiffs' claims against GenOn.  In February 2013, the plaintiffs in 
the Nevada case filed a petition for a writ of certiorari to the U.S. Supreme Court.  In June 2013, the Supreme Court denied the 
petition for a writ of certiorari, thereby ending one of the five lawsuits. 

204

Energy Plus Holdings — On August 7, 2012, Energy Plus Holdings received a subpoena from the NYAG which generally 
sought information and business records related to Energy Plus Holdings' sales, marketing and business practices.  Energy Plus 
Holdings provided documents and information to the NYAG.  On June 22, 2015, the NYAG issued another subpoena seeking 
additional information. Energy Plus Holdings is responding to this second subpoena.  The Company does not expect the resolution 
of this matter to have a material impact on the Company's consolidated financial position, results of operations, or cash flows.

Maryland Department of the Environment v. GenOn Chalk Point and GenOn Mid-Atlantic — On January 25, 2013, Food & 
Water Watch, the Patuxent Riverkeeper and the Potomac Riverkeeper (together, the Citizens Group) sent GenOn Mid-Atlantic a 
letter alleging that the Chalk Point, Dickerson and Morgantown generating facilities were violating the terms of the three National 
Pollution Discharge Elimination System permits by discharging nitrogen and phosphorous in excess of the limits in each permit.  
On March 21, 2013, the MDE sent GenOn Mid-Atlantic a similar letter with respect to the Chalk Point and Dickerson generating 
facilities, threatening to sue within 60 days if the generating facilities were not brought into compliance.  On June 11, 2013, the 
Maryland Attorney General on behalf of the MDE filed a complaint in the U.S. District Court for the District of Maryland alleging 
violations of the CWA and Maryland environmental laws related to water.  The lawsuit is ongoing and seeks injunctive relief and 
civil penalties in excess of $100,000.  The Company does not expect the resolution of this matter to have a material impact on the 
Company's consolidated financial position, results of operations, or cash flows.

Midwest Generation New Source Review Litigation — In August 2009, the EPA and the Illinois Attorney General, or the 
Government Plaintiffs, filed a complaint, or the Governments’ Complaint, in the U.S. District Court for the Northern District of 
Illinois alleging violations of CAA PSD requirements by Midwest Generation arising from maintenance, repair or replacement 
projects at six Illinois coal-fired electric generating stations performed by Midwest Generation or ComEd, a prior owner of the 
stations, including alleged failures to obtain PSD construction permits and to comply with BACT requirements.   The Government 
Plaintiffs also alleged violations of opacity and PM standards at the Midwest Generation plants.  Finally, the Government Plaintiffs 
alleged that Midwest Generation violated certain operating permit requirements under Title V of the CAA allegedly arising from 
such claimed PSD, opacity and PM emission violations.  In addition to seeking penalties of up to $37,500 per violation, per day, 
the complaint seeks an injunction ordering Midwest Generation to install controls sufficient to meet BACT emission rates at the 
units subject to the complaint and other remedies, which could go well beyond the requirements of the CPS.  Several environmental 
groups intervened as plaintiffs in this litigation and filed a complaint, or the Intervenors’ Complaint, which alleged opacity, PM 
and related Title V violations.  Midwest Generation filed a motion to dismiss nine of the ten PSD counts in the Governments’ 
Complaint, and to dismiss the tenth PSD count to the extent the Governments’ Complaint sought civil penalties for that count.  The 
trial court granted the motion in March 2010.

In June 2010, the Government Plaintiffs and Intervenors each filed an amended complaint.  The Governments’ Amended 
Complaint again alleged that Midwest Generation violated PSD (based upon the same projects as alleged in their original complaint, 
but adding allegations that the Company was liable as the “successor” to ComEd), Title V and opacity and PM standards.  It named 
EME and ComEd as additional defendants and alleged PSD violations (again, premised on the same projects) against them.  The 
Intervenors’ Amended Complaint named only Midwest Generation as a defendant and alleged Title V and opacity/PM violations, 
as well as one of the ten PSD violations alleged in the Governments’ Amended Complaint.  Midwest Generation again moved to 
dismiss all but one of the Government Plaintiffs’ PSD claims and the related Title V claims.  Midwest Generation also filed a motion 
to dismiss the PSD claim in the Intervenors’ Amended Complaint and the related Title V claims.  In March 2011, the trial court 
granted Midwest Generation’s partial motion to dismiss the Government Plaintiffs’ PSD claims. The trial court denied Midwest 
Generation’s motion to dismiss the PSD claim asserted in the Intervenors’ Amended Complaint, but noted that the plaintiffs would 
be required to convince the court that the statute of limitations should be equitably tolled. The trial court did not address other 
counts  in  the  amended  complaints  that  allege  violations  of  opacity  and  PM  emission  limitations  under  the  Illinois  State 
Implementation Plan and related Title V claims. The trial court also granted the motions to dismiss the PSD claims asserted against 
EME and ComEd. 

Following the trial court ruling, the Government Plaintiffs appealed the trial court’s dismissals of their PSD claims, including 
the dismissal of nine of the ten PSD claims against Midwest Generation and of the PSD claims against the other defendants.  Those 
PSD claim dismissals were affirmed by the U.S. Court of Appeals for the Seventh Circuit in July 2013.  In addition, in 2012, all 
but one of the environmental groups that had intervened in the case dismissed their claims without prejudice.  As a result, only one 
environmental group remains a plaintiff intervenor in the case.  The Company does not expect the resolution of this matter to have 
a material impact on the Company’s consolidated financial position, results of operations or cash flows.

205

Potomac River Environmental Investigation — In March 2013, NRG Potomac River LLC received notice that the District of 
Columbia Department of Environment (now renamed the Department of Energy and Environment, or DOEE) was investigating 
potential discharges to the Potomac River originating from the Potomac River Generating facility site, a site where the generation 
facility is no longer in operation. In connection with that investigation, DOEE served a civil subpoena on NRG Potomac River 
LLC requesting information related to the site and potential discharges occurring from the site.  NRG Potomac River LLC provided 
various responsive materials.  In January 2016, DOEE advised NRG Potomac River that DOEE believed various environmental 
violations had occurred as a result of discharges DOEE believes occurred to the Potomac River from the Potomac River Generating 
facility site and as a result of associated failures to accurately or sufficiently report such discharges.  DOEE has indicated it believes 
that penalties are appropriate in light of the violations.  NRG is currently reviewing the information provided by DOEE.

Telephone Consumer Protection Act Purported Class Actions — Three purported class action lawsuits have been filed against 
NRG Residential Solar Solutions, LLC, one in California and two in New Jersey.  The plaintiffs generally allege misrepresentation 
by the call agents and violations of the TCPA, claiming that the defendants engaged in a telemarketing campaign placing unsolicited 
calls to individuals on the “Do Not Call List.” The plaintiffs seek statutory damages of up to $1,500 per plaintiff, actual damages 
and equitable relief.  The Company is vigorously defending against these lawsuits.  NRG requested and was granted a stay in the 
California case and one of the New Jersey cases pending a decision of an unrelated case by the U.S. Supreme Court, the results of 
which could materially affect these lawsuits. 

El Segundo Environmental Liability — During the maintenance of breakers in 2012, the Company’s El Segundo plant exceeded 
California’s limit regarding SF6 losses.  SF6 is an electrical insulator and GHG. On December 16, 2015, the Company entered into 
a settlement agreement with the California Air Resources Board thereby resolving the matter. Pursuant to the settlement agreement, 
the Company agreed to pay a penalty of $150,000 plus an additional $50,000 directed to clean air/clear air funding for a community 
college system. 

California Department of Water Resources and San Diego Gas & Electric Company v. Sunrise Power Company LLC — On 
January 29, 2016, CDWR and SDG&E filed a lawsuit against Sunrise Power Company, along with NRG and Chevron Power 
Corporation.  In June 2001, CDWR and Sunrise entered into a 10-year PPA under which Sunrise would construct and operate a 
generating facility and provide power to CDWR.  At the time the PPA was entered into, Sunrise had a transportation services 
agreement, or TSA, to purchase natural gas from Kern River through April 30, 2018.  In August 2003, CDWR entered into an 
agreement with Sunrise and Kern River in which CDWR accepted assignment of the TSA through the term of the PPA.  After the 
PPA expired, Kern River demanded that any reassignment be to a party which met certain creditworthiness standards which Sunrise 
did not.  As such, the plaintiffs have brought this lawsuit against the defendants alleging breach of contract, breach of covenant of 
good faith and fair dealing and improper distributions.  Plaintiffs generally claim damages of $1.2 million per month for the remaining 
70 months of the TSA.

Note 23 — Regulatory Matters 

NRG operates in a highly regulated industry and is subject to regulation by various federal and state agencies.  As such, 
NRG is affected by regulatory developments at both the federal and state levels and in the regions in which NRG operates.  In 
addition, NRG is subject to the market rules, procedures, and protocols of the various ISO and RTO markets in which NRG 
participates.  These power markets are subject to ongoing legislative and regulatory changes that may impact NRG's wholesale 
and retail businesses.

In addition to the regulatory proceedings noted below, NRG and its subsidiaries are parties to other regulatory proceedings 
arising in the ordinary course of business or have other regulatory exposure.  In management's opinion, the disposition of these 
ordinary course matters will not materially adversely affect NRG's consolidated financial position, results of operations, or cash 
flows.

206

National

U.S. Supreme Court Agrees to Consider the Constitutionality of Maryland's Generator Contracting Programs — On October 
19, 2015, the U.S. Supreme Court agreed to hear a case challenging the constitutionality of certain state-directed procurements 
of new electric generating facilities.  The case involves the authority of the Maryland Public Service Commission to direct load-
serving  utilities  in  the  state  to  enter  into  long-term  power  purchase  contracts  with  a  generation  developer  to  encourage  the 
construction of new generation capacity in Maryland.  The constitutionality of the long-term contracts was challenged in the U.S. 
District Court for the District of Maryland, which, in an October 24, 2013, decision, found that the contracts violated the Supremacy 
Clause of the U.S. Constitution because they were both conflict preempted and field preempted by the FPA and the authority that 
the FPA granted to FERC.  On June 30, 2014, the U.S. Court of Appeals for the Fourth Circuit affirmed the District Court's decision.  
A case arising out of New Jersey and raising similar issues was decided by the U.S. Court of Appeals for the Third Circuit, which 
also determined that the state-mandated contracts were preempted.  After the Supreme Court granted certiorari in the Maryland 
case, the Company filed a friend-of-the-court brief urging the Court to uphold the right of states to incentivize new generation by 
directing utilities in the state to enter into long-term contracts — but noted that FERC has both the authority and the statutory 
obligation to protect wholesale markets by requiring that bids in the wholesale markets reflect costs and by ensuring that uneconomic 
entry does not distort auction outcomes. The Supreme Court heard oral argument on February 24, 2016.  The outcome of this 
litigation could have broad impacts on whether and how states require utilities to contract with new generation resources, as well 
as how such contracted resources interact with the FERC-jurisdictional wholesale markets.

U.S. Supreme Court Allows FERC to Retain Jurisdiction Over Demand Response — On January 25, 2016, the U.S. Supreme 
Court issued a 6-2 decision affirming FERC’s ability to exercise jurisdiction over demand response resources seeking to voluntarily 
participate  in  the  wholesale  markets.   Additionally,  the  Supreme  Court  upheld  FERC’s  preferred  scheme  for  pricing  demand 
response in the energy market.  This case arose out of a May 23, 2014, decision by the D.C. Circuit which vacated FERC’s rules 
(known as Order No. 745) that set the compensation level for demand response resources participating in the FERC-jurisdictional 
energy markets.  The Court of Appeals had held that the FPA does not authorize FERC to exercise jurisdiction over demand 
response and that instead demand response is part of the retail market over which the states have jurisdiction.  With the Supreme 
Court’s decision, FERC will resume exercising jurisdiction over demand response, which the Company views as a positive for 
both its wholesale and distributed businesses.    

East Region

Montgomery County Station Power Tax — On December 20, 2013, the Company received a letter from Montgomery County, 
Maryland requesting payment of an energy tax for the consumption of station power at the Dickerson Facility over the previous 
three years.  Montgomery County seeks payment in the amount of $22 million, which includes tax, interest and penalties.  The 
Company disputed the applicability of the tax.  On December 11, 2015, the Maryland Tax Court reversed Montgomery County's 
assessment.  Montgomery County has filed an appeal. 

Retail

MISO SECA — Green Mountain Energy previously provided competitive retail energy supply in the MISO region during 
the period of January 1, 2002, to December 31, 2005.  By order dated November 18, 2004, FERC eliminated certain regional 
through-and-out transmission rates charged by transmission owners in MISO and PJM.  In order to temporarily compensate the 
transmission owners for lost revenues, FERC ordered MISO, PJM and their respective transmission owners to eliminate seams 
charges and in the meantime, as a temporary measure, allowed them to recover transition charges known as SECA charges.  The 
tariff amendments filed by MISO and the MISO transmission owners allocated certain SECA charges to various zones and sub-
zones within MISO, including a sub-zone called the Green Mountain Energy Company Sub-zone.  During several years of extensive 
litigation  before  FERC,  several  transmission  owners  sought  to  recover  SECA  charges  from  Green  Mountain  Energy.    Green 
Mountain Energy denied responsibility for any SECA charges and did not pay any asserted SECA charges.

On  May  21,  2010,  FERC  issued  two  orders,  including  its  Order  on  Initial  Decision,  in  which  FERC  determined  that 
approximately $22 million plus interest of SECA charges were owed not by Green Mountain Energy but rather by BP Energy — 
one of Green Mountain Energy's suppliers during the period at issue.  On August 19, 2010, the transmission owners and MISO 
made compliance filings in accordance with FERC's Orders allocating SECA charges to a BP Energy Sub-zone, and making no 
allocation to a Green Mountain Energy Sub-zone.  On September 16, 2015, FERC issued an order conditionally accepting those 
compliance filings, and setting for hearing and settlement proceedings issues related to service to certain Michigan customers 
during 2002 and 2003.  

207

On September 30, 2011, FERC issued orders denying all requests for rehearing and again determined that SECA charges 
were not owed by Green Mountain Energy.  Numerous parties, including BP Energy, sought judicial review of FERC's orders, 
and Green Mountain Energy was granted intervenor status in the consolidated appeals.  Most appellants subsequently settled with 
the transmission owners and withdrew their appeals, including BP Energy, which agreed to pay approximately $24 million to the 
three transmission owners signing the agreement, with another $1 million offered to the remaining PJM transmission owners, 
should they choose to join the settlement; all chose to do so.  FERC approved the settlement, and BP Energy moved to dismiss its 
appeals; its motions to dismiss were granted by the Court. 

West Region

Carlsbad Energy Center — On May 21, 2015, the CPUC approved the Carlsbad Energy Center PPTA for a nominally rated 
500 MW five unit natural gas peaking plant. On December 7, 2015, three parties filed two petitions for a writ of review with the 
California Court of Appeal appealing the CPUC's decision.  The petitions remain pending.  Additionally, on July 30, 2015, the 
CEC approved an amendment to the design of the Carlsbad Energy Center.  On September 22, 2015, the CEC granted rehearing 
of its decision approving the amendment to permit the California Department of Fish and Wildlife, or CDFW, to file comments 
on the proposed decision. On November 12, 2015, the CEC issued an order on rehearing affirming its decision approving the 
amendment. No party appealed the CEC's decision.

California Station Power — As the result of unfavorable final and non-appealable litigation, the Company has accrued a 
liability associated with its power plants’ consumption of station power in California, after August 30, 2010.  The majority of the 
liability is associated with the Company's Encina, El  Segundo,  and Long Beach facilities.  The Company  has established an 
appropriate reserve and is awaiting final billing decisions from SCE. 

Note 24 — Environmental Matters 

NRG is subject to a wide range of environmental laws in the development, construction, ownership and operation of projects.  
These laws generally require that governmental permits and approvals be obtained before construction and during operation of 
power plants.  NRG is also subject to laws regarding the protection of wildlife, including migratory birds, eagles and threatened 
and endangered species. Environmental laws have become increasingly stringent and NRG expects this trend to continue.  The 
electric generation industry is facing new requirements regarding GHGs, combustion byproducts, water discharge and use, and 
threatened and endangered species.  In general, future laws are expected to require the addition of emissions controls or other 
environmental controls or to impose certain restrictions on the operations of the Company's facilities, which could have a material 
effect on the Company's operations.

The EPA finalized CSAPR in 2011, which was intended to replace CAIR in January 2012, to address certain states' obligation 
to reduce emissions so that downwind states can achieve federal air quality standards.  In December 2011, the D.C. Circuit stayed 
the implementation of CSAPR and then vacated CSAPR in August 2012 but kept CAIR in place until the EPA could replace it.  
In April 2014, the U.S. Supreme Court reversed and remanded the D.C. Circuit's decision.  In October 2014, the D.C. Circuit lifted 
the stay of CSAPR. In response, the EPA in November 2014 amended the CSAPR compliance dates. Accordingly, CSAPR replaced 
CAIR on January 1, 2015. On July 28, 2015, the D.C. Circuit held that the EPA had exceeded its authority by requiring certain 
reductions that were not necessary for downwind states to achieve federal standards.  Although the D.C. Circuit kept the rule in 
place, the court ordered the EPA to revise the Phase 2 (or 2017) (i) SO2 budgets for four states including Texas and (ii) ozone-
season NOx budgets for 11 states including Maryland, New Jersey, New York, Ohio, Pennsylvania and Texas.  The EPA is currently 
reviewing the decision. In December 2015, the EPA proposed the CSAPR Update Rule using the 2008 Ozone NAAQS, which 
would reduce the total amount of ozone season NOx as compared with the previously utilized 1997 Ozone NAAQS. If finalized, 
this proposal would reduce future NOx allocations and/or current banked allowances. While NRG cannot predict the final outcome 
of  this  rulemaking,  the  Company  believes  its  investment  in  pollution  controls  and  cleaner  technologies  leave  the  fleet  well-
positioned for compliance. 

In February 2012, the EPA promulgated standards (the MATS rule) to control emissions of HAPs from coal and oil-fired 
electric generating units.  The rule established limits for mercury, non-mercury metals, certain organics and acid gases, which 
limits had to be met beginning in April 2015 (with some units getting a 1-year extension).  In June 2015, the U.S. Supreme Court 
issued a decision in the case of Michigan v. EPA, and held that the EPA unreasonably refused to consider costs when it determined 
that it was "appropriate and necessary" to regulate HAPs emitted by electric generating units.  The U.S. Supreme Court did not 
vacate the MATS rule but rather remanded it to the D.C. Circuit for further proceedings.  In November 2015, the EPA proposed 
a supplemental finding that including a consideration of cost does not alter the EPA's previous determination that it is appropriate 
and necessary to regulate air toxics, including mercury from power plants. In December 2015, the D.C. Circuit remanded the rule
to the EPA without vacatur. While NRG cannot predict the final outcome of this rulemaking, NRG believes that because it has 
already invested in pollution controls and cleaner technologies, the fleet is well-positioned to comply with the MATS rule. 

208

Water

In August 2014, the EPA finalized the regulation regarding the use of water for once through cooling at existing facilities to 
address impingement and entrainment concerns.  NRG anticipates that more stringent requirements will be incorporated into some 
of its water discharge permits over the next several years as NPDES permits are renewed.  

Byproducts, Wastes, Hazardous Materials and Contamination

In April 2015, the EPA finalized the rule regulating byproducts of coal combustion (e.g., ash and gypsum) as solid wastes 
under the RCRA.  The Company has evaluated the impact of the new rule on its results of operations, financial condition and cash 
flows and has accrued its environmental and asset retirement obligations under the rule based on current estimates as of December 
31, 2015. 

East Region 

Maryland Environmental Regulations — In December 2014, MDE proposed a regulation regarding NOx emissions from 
coal-fired electric generating units, which had it been finalized would have required by 2020 the Company (at each of the three 
Dickerson coal-fired units and the Chalk Point coal-fired unit that does not have an SCR) to either (1) install and operate an SCR; 
(2) retire the unit; or (3) convert the fuel source from coal to natural gas. In early 2015, the State of Maryland decided not to 
finalize the regulation as proposed. In November 2015, MDE finalized revised regulations to address future NOx reductions, which 
although more stringent than previous regulations, will not cause the Company to spend capital to comply. As a result of the new 
regulations, on February 29, 2016, NRG notified PJM that it was withdrawing the standing deactivation notices for Dickerson 
Units 1, 2 and 3 and Chalk Point Units 1 and 2.

New Source Review — The EPA and various states are investigating compliance of electric generating facilities with the pre-
construction permitting requirements of the CAA known as “new source review,” or NSR.  In 2007, Midwest Generation received 
an NOV from the EPA alleging that past work at Crawford, Fisk, Joliet, Powerton, Waukegan and Will County generating stations 
violated NSR and other regulations.  These alleged violations are the subject of the litigation described in Item 15 — Note 22, 
Commitments and Contingencies.  In January 2009, GenOn received an NOV from the EPA alleging that past work at Keystone, 
Portland and Shawville generating stations violated regulations regarding NSR.  In June 2011, GenOn received an NOV from the 
EPA alleging that past work at Avon Lake and Niles generating stations violated NSR.  In December 2007, the NJDEP filed suit 
alleging that NSR violations occurred at the Portland generating station, which suit was resolved pursuant to a July 2013 consent 
decree.  Additionally, in April 2013, the Connecticut Department of Energy and Environmental Protection issued four NOVs 
alleging that past work at oil-fired combustion turbines at the Torrington Terminal, Franklin, Branford and Middletown generation 
stations violated regulations regarding NSR. 

Burton Island Old Ash Landfill — In January 2006, NRG's Indian River Power LLC was notified that it may be a potentially 
responsible party with respect to Burton Island Old Ash Landfill, a historic captive landfill located at the Indian River facility.  On 
October 1, 2007, NRG signed an agreement with DNREC to investigate the site through the Voluntary Clean-up Program.  On 
February 4, 2008, DNREC issued findings that no further action is required in relation to surface water and that a previously 
planned shoreline stabilization project would satisfactorily address shoreline erosion.  The landfill itself required a Remedial 
Investigation and Feasibility Study to determine the type and scope of any additional required work.  The DNREC approved the 
Feasibility Study in December 2012.   In January 2013, DNREC proposed a remediation plan based on the Feasibility Study.  The 
remediation plan was approved in October 2013.  The cost of completing the work required by the approved remediation plan is 
consistent with amounts previously budgeted.  On May 29, 2008, DNREC requested that NRG's Indian River Power LLC participate 
in the development and performance of a Natural Resource Damage Assessment at the Burton Island Old Ash Landfill.  NRG is 
currently working with DNREC and other trustees to close out the assessment process. 

For further discussion of these matters, refer to Note 22, Commitments and Contingencies.

Environmental Capital Expenditures

NRG estimates that environmental capital expenditures from 2016 through 2020 required to comply with environmental 
laws will be approximately $350 million, which includes $68 million for GenOn and $263 million for Midwest Generation.  These 
costs, the majority of which will be expended by the end of 2016, are primarily associated with (i) DSI/ESP upgrades at the 
Powerton facility and the Joliet gas conversion to satisfy the IL CPS and (ii) MATS compliance at the Avon Lake facility. 

209

Note 25 — Cash Flow Information 

Detail of supplemental disclosures of cash flow and non-cash investing and financing information was:

Interest paid, net of amount capitalized
Income taxes (refunded)/paid (a)
Consent fee paid, preferred stock
Non-cash investing and financing activities:

Year Ended December 31,

2015

2014

2013

$

(In millions)

$

1,172
16

—

$

1,067
(6)
5

(Decrease)/additions to fixed assets for accrued capital expenditures

Decrease to fixed assets for accrued grants and related tax impact

Issuance of shares for EME acquisition

(24)
—

—

87
(711)
(401)

836
(60)
—

405
(681)
—

(a) In 2015, the net income taxes paid reflect $17 million in income taxes paid and $1 million in income tax refunds.  In 2014, the net income taxes refunded 
are net of $15 million income taxes paid and $21 million income tax refunds.  In 2013, the net income taxes refunded are net of $28 million income taxes 
paid and $87 million income tax refunds.

Note 26 — Guarantees 

NRG and its subsidiaries enter into various contracts that include indemnification and guarantee provisions as a routine part 
of the Company's business activities. Examples of these contracts include asset purchases and sale agreements, commodity sale 
and purchase agreements, retail contracts, joint venture agreements, EPC agreements, operation and maintenance agreements, 
service agreements, settlement agreements, and other types of contractual agreements with vendors and other third parties, as well 
as affiliates.  These contracts generally indemnify the counterparty for tax, environmental liability, litigation and other matters, as 
well as breaches of representations, warranties and covenants set forth in these agreements. The Company is obligated with respect 
to customer deposits associated with the Company's retail businesses.  NRG has also assumed guarantees for some non-qualified 
benefits of existing retirees resulting from the acquisition of GenOn.  In some cases, NRG's maximum potential liability cannot
be estimated, since the underlying agreements contain no limits on potential liability.  

In accordance with ASC 460, Guarantees, or ASC 460, NRG has estimated that the current fair value for issuing these 
guarantees was $3.6 million as of December 31, 2015, and the liability in this amount is included in the Company's non-current 
liabilities.

The following table summarizes the maximum potential exposures that can be estimated for NRG's guarantees, indemnities, 

and other contingent liabilities by maturity:

Guarantees

Letters of credit and surety bonds
Asset sales guarantee obligations
Other guarantees
Total guarantees

By Remaining Maturity at December 31,

2015

Under
1 Year

1-3 Years

3-5 Years

Over
5 Years

Total

2014 Total

$

$

1,805
—
—
1,805

$

$

92
—
1
93

$

$

(In millions)
— $
257
—
257

$

2
—
721
723

$

$

1,899
257
722
2,878

$

$

1,914
292
1,174
3,380

Letters of credit and surety bonds — As of December 31, 2015, NRG and its consolidated subsidiaries were contingently 
obligated for a total of $1.9 billion under letters of credit and surety bonds.  Most of these letters of credit and surety bonds are 
issued in support of the Company's obligations to perform under commodity agreements and obligations associated with future 
closure and maintenance of ash sites, as well as for financing or other arrangements.  A majority of these letters of credit and surety 
bonds expire within one year of issuance, and it is typical for the Company to renew them on similar terms.

210

 
 
The material indemnities, within the scope of ASC 460, are as follows:

Asset sales — The purchase and sale agreements which govern NRG's asset or share investments and divestitures customarily 
contain guarantees and indemnifications of the transaction to third parties.  The contracts indemnify the parties for liabilities 
incurred as a result of a breach of a representation or warranty by the indemnifying party, or as a result of a change in tax laws.  
These obligations generally have a discrete term and are intended to protect the parties against risks that are difficult to predict or 
estimate at the time of the transaction.  In several cases, the contract limits the liability of the indemnifier. NRG has no reason to 
believe that the Company currently has any material liability relating to such routine indemnification obligations.

Other guarantees — NRG has issued other guarantees of obligations including payments under certain agreements with 
respect to certain of its unconsolidated subsidiaries, payment or performance by fuel providers and payment or reimbursement of
credit support and deposits. The Company does not believe that it will be required to perform under these guarantees.

Other  indemnities — Other  indemnifications  NRG  has  provided  cover  operational,  tax,  litigation  and  breaches  of 
representations, warranties and covenants.  NRG has also indemnified, on a routine basis in the ordinary course of business, 
consultants  or  other  vendors  who  have  provided  services  to  the  Company.    NRG's  maximum  potential  exposure  under  these 
indemnifications can range from a specified dollar amount to an indeterminate amount, depending on the nature of the transaction.  
Total maximum potential exposure under these indemnifications is not estimable due to uncertainty as to whether claims will be 
made or how they will be resolved.  NRG does not have any reason to believe that the Company will be required to make any 
material payments under these indemnity provisions.

Because many of the guarantees and indemnities NRG issues to third parties and affiliates do not limit the amount or duration 
of its obligations to perform under them, there exists a risk that the Company may have obligations in excess of the amounts 
described above.  For those guarantees and indemnities that do not limit the Company's liability exposure, it may not be able to 
estimate what the Company's liability would be, until a claim is made for payment or performance, due to the contingent nature 
of these contracts.

Note 27 — Jointly Owned Plants  

Certain NRG subsidiaries own undivided interests in jointly-owned plants, as described below.  These plants are maintained 
and operated pursuant to their joint ownership participation and operating agreements.  NRG is responsible for its subsidiaries' 
share of operating costs and direct expenses and includes its proportionate share of the facilities and related revenues and direct 
expenses  in  these  jointly-owned  plants  in  the  corresponding  balance  sheet  and  income  statement  captions  of  the  Company's 
consolidated financial statements.

The following table summarizes NRG's proportionate ownership interest in the Company's jointly-owned facilities:

As of December 31, 2015

Ownership
Interest

Property, Plant &
Equipment

Accumulated
Depreciation

Construction in
Progress

(In millions unless otherwise stated)

South Texas Project Units 1 and 2, Bay City, TX

44.00% $

3,246

$

Big Cajun II Unit 3, New Roads, LA

Cedar Bayou Unit 4, Baytown, TX

Keystone, Shelocta, PA

Conemaugh, New Florence, PA

58.00%

50.00%

3.70%

3.72%

206

211

97

101

(1,599) $
(114)
(57)
(44)
(46)

38

—

—

—

1

211

 
Note 28 — Unaudited Quarterly Financial Data 

Refer to Note 3, Business Acquisitions and Dispositions, and Note 10, Asset Impairments, for a description of the effect of 
unusual or infrequently occurring events during the quarterly periods.  Summarized unaudited quarterly financial data is as follows:

Quarter Ended

2015

December 31

September 30

June 30

March 31

Operating revenues
Operating (loss)/income
Net (loss)/income
Less: Net (loss)/income attributable to noncontrolling
interests and redeemable noncontrolling interests
Net (loss)/income attributable to NRG Energy, Inc. 

(Loss)/income available to Common Stockholders
Weighted average number of common shares

outstanding — basic

Net (loss)/income per weighted average common

share — basic

Weighted average number of common shares

outstanding — diluted

Net (loss)/income per weighted average common

share — diluted

Operating revenues
Operating income
Net income/(loss)
Less: Net (loss)/income attributable to noncontrolling
interests and redeemable noncontrolling interests
Net income/(loss) attributable to NRG Energy, Inc. 

Income/(loss) available to Common Stockholders
Weighted average number of common shares

outstanding — basic

Net income/(loss) per weighted average common

share — basic

Weighted average number of common shares

outstanding — diluted

Net income/(loss) per weighted average common

share — diluted

$

$

$

$

$

$

$

$

3,011
(4,727)
(6,358)

(44)
(6,314)

(In millions, except per share data)
3,400
$
232
(9)

4,434
379
67

$

$

1
66

5
(14)

(6,319) $

61

$

(19) $

315

331

333

3,829
76
(136)

(16)
(120)

(125)

336

(20.08) $

0.18

$

(0.06) $

(0.37)

315

332

333

336

(20.08) $

0.18

$

(0.06) $

(0.37)

Quarter Ended

2014

December 31

September 30

June 30

March 31

(In millions, except per share data)
3,621
$
89
(80)

4,569
549
182

$

$

14
168

17
(97)

4,192
453
97

(22)
119

70

$

166

$

(100) $

338

338

337

3,486
180
(67)

(11)
(56)

(58)

324

0.21

$

0.49

$

(0.30) $

(0.18)

342

343

337

324

0.20

$

0.48

$

(0.30) $

(0.18)

212

 
 
 
 
 
 
Note 29 — Condensed Consolidating Financial Information 

As of December 31, 2015, the Company had outstanding $6.2 billion of Senior Notes due 2018 - 2024, as shown in Note 
12, Debt and Capital Leases.  These Senior Notes are guaranteed by certain of NRG's current and future 100% owned domestic 
subsidiaries, or guarantor subsidiaries.  These guarantees are both joint and several.  The non-guarantor subsidiaries include all 
of NRG's foreign subsidiaries and certain domestic subsidiaries, including GenOn and its subsidiaries, and NRG Yield , Inc. and
its subsidiaries

Unless otherwise noted below, each of the following guarantor subsidiaries fully and unconditionally guaranteed the Senior 

Notes as of December 31, 2015:

NRG Operating Services, Inc.
NRG Oswego Harbor Power Operations Inc.
NRG PacGen Inc.
NRG Portable Power LLC
NRG Power Marketing LLC
NRG Reliability Solutions LLC
NRG Renter's Protection LLC
NRG Retail LLC
NRG Retail Northeast LLC
NRG Rockford Acquisition LLC
NRG Saguaro Operations Inc.
NRG Security LLC

NEO Freehold-Gen LLC
NEO Power Services Inc.
New Genco GP, LLC
Norwalk Power LLC
NRG Affiliate Services Inc.
NRG Artesian Energy LLC
NRG Arthur Kill Operations Inc.
NRG Astoria Gas Turbine Operations Inc.
NRG Bayou Cove LLC
NRG Business Solutions LLC
NRG Cabrillo Power Operations Inc.
NRG California Peaker Operations LLC
NRG Cedar Bayou Development Company, LLC NRG Services Corporation
NRG Connected Home LLC
NRG Connecticut Affiliate Services Inc.
NRG Construction LLC
NRG Curtailment Solutions LLC
NRG Development Company Inc.

Ace Energy, Inc.
Allied Warranty LLC
Arthur Kill Power LLC
Astoria Gas Turbine Power LLC
Bayou Cove Peaking Power LLC
BidURenergy, Inc.
Cabrillo Power I LLC
Cabrillo Power II LLC
Carbon Management Solutions LLC
Cirro Group, Inc.
Cirro Energy Services, Inc.
Clean Edge Energy LLC
Conemaugh Power LLC
Connecticut Jet Power LLC
Cottonwood Development LLC
Cottonwood Energy Company LP
Cottonwood Generating Partners I LLC
Cottonwood Generating Partners II LLC
Cottonwood Generating Partners III LLC NRG Devon Operations Inc.
NRG Dispatch Services LLC
Cottonwood Technology Partners LP
NRG Distributed Generation PR LLC
Devon Power LLC
NRG Dunkirk Operations Inc.
Dunkirk Power LLC
NRG El Segundo Operations Inc.
Eastern Sierra Energy Company LLC
NRG Energy Efficiency-L LLC
El Segundo Power, LLC
NRG Energy Efficiency-P LLC
El Segundo Power II LLC
NRG Energy Labor Services LLC
Energy Alternatives Wholesale, LLC
NRG ECOKAP Holdings, LLC
Energy Choice Solutions, LLC
NRG Energy Services Group LLC
NRG Curtailment Solutions, Inc.
NRG Energy Services International Inc.
Energy Plus Holdings LLC
NRG Energy Services LLC
Energy Plus Natural Gas LLC
NRG Generation Holdings, Inc.
Energy Protection Insurance Company
NRG Home & Business Solutions LLC
Everything Energy LLC
NRG Home Solutions LLC
Forward Home Security, LLC
NRG Home Solutions Product LLC
GCP Funding Company, LLC
NRG Homer City Services LLC
Green Mountain Energy Company
NRG Huntley Operations Inc.
Gregory Partners, LLC
NRG HQ DG LLC
Gregory Power Partners LLC
NRG Identity Protect LLC
Huntley Power LLC
NRG Ilion Limited Partnership
Independence Energy Alliance LLC
NRG Ilion LP LLC
Independence Energy Group LLC
NRG International LLC
Independence Energy Natural Gas LLC
NRG Maintenance Services LLC
Indian River Operations Inc.
NRG Mextrans Inc.
Indian River Power LLC
NRG MidAtlantic Affiliate Services Inc.
Keystone Power LLC
NRG Middletown Operations Inc.
Langford Wind Power LLC
NRG Montville Operations Inc.
NRG Home Services LLC
NRG New Roads Holdings LLC
Louisiana Generating LLC
NRG North Central Operations Inc.
Meriden Gas Turbines LLC
NRG Northeast Affiliate Services Inc.
Middletown Power LLC
NRG Norwalk Harbor Operations Inc.
Montville Power LLC
NRG GreenCo, LLC
NEO Corporation
NRG GreenCo Holdings, LLC
NRG Business Services LLC

213

NRG SimplySmart Solutions LLC
NRG South Central Affiliate Services Inc.
NRG South Central Generating LLC
NRG South Central Operations Inc.
NRG South Texas LP
NRG Texas C&I Supply LLC
NRG Texas Gregory LLC
NRG Texas Holding Inc.
NRG Texas LLC
NRG Texas Power LLC
NRG Warranty Services LLC
NRG West Coast LLC
NRG Western Affiliate Services Inc.
O'Brien Cogeneration, Inc. II
ONSITE Energy, Inc.
Oswego Harbor Power LLC
RE Retail Receivables, LLC
Reliant Energy Northeast LLC
Reliant Energy Power Supply, LLC
Reliant Energy Retail Holdings, LLC
Reliant Energy Retail Services, LLC
RERH Holdings LLC
Saguaro Power LLC
Somerset Operations Inc.
Somerset Power LLC
Texas Genco Financing Corp.
Texas Genco GP, LLC
Texas Genco Holdings, Inc.
Texas Genco LP, LLC
Texas Genco Operating Services, LLC
Texas Genco Services, LP
US Retailers LLC
Vienna Operations Inc.
Vienna Power LLC
WCP (Generation) Holdings LLC
West Coast Power LLC

The non-guarantor subsidiaries include all of NRG's foreign subsidiaries and certain domestic subsidiaries, including GenOn 
and its subsidiaries.  NRG conducts much of its business through and derives much of its income from its subsidiaries.  Therefore, 
the Company's ability to make required payments with respect to its indebtedness and other obligations depends on the financial 
results and condition of its subsidiaries and NRG's ability to receive funds from its subsidiaries.  Except for NRG Bayou Cove, LLC, 
which is subject to certain restrictions under the Company's Peaker financing agreements, there are no restrictions on the ability 
of any of the guarantor subsidiaries to transfer funds to NRG.  In addition, there may be restrictions for certain non-guarantor 
subsidiaries.

The following condensed consolidating financial information presents the financial information of NRG Energy, Inc., the 
guarantor  subsidiaries  and  the  non-guarantor  subsidiaries  in  accordance  with  Rule 3-10  under  the  Securities  and  Exchange 
Commission's Regulation S-X.  The financial information may not necessarily be indicative of results of operations or financial 
position had the guarantor subsidiaries or non-guarantor subsidiaries operated as independent entities.

In this presentation, NRG Energy, Inc. consists of parent company operations. Guarantor subsidiaries and non-guarantor 
subsidiaries of NRG are reported on an equity basis.  For companies acquired, the fair values of the assets and liabilities acquired 
have been presented on a push-down accounting basis.

In addition, the condensed parent company financial statements are provided in accordance with Rule 12-04, Schedule I of 
Regulation S-X, as the restricted net assets of NRG Energy, Inc.’s subsidiaries exceed 25 percent of the consolidated net assets of 
NRG Energy, Inc.  These statements should be read in conjunction with the consolidated statements and notes thereto of NRG 
Energy, Inc.  For a discussion of NRG Energy, Inc.'s long-term debt, see Note 12, Debt and Capital Leases to the consolidated 
financial statements.  For a discussion of NRG Energy, Inc.'s contingencies, see Note 22, Commitments and Contingencies to the 
consolidated financial statements.  For a discussion of NRG Energy, Inc.'s guarantees, see Note 26, Guarantees to the consolidated 
financial statements. 

214

NRG ENERGY, INC. AND SUBSIDIARIES

CONDENSED CONSOLIDATING STATEMENTS OF OPERATIONS

For the Year Ended December 31, 2015 

Operating Revenues

Total operating revenues
Operating Costs and Expenses

Cost of operations

Depreciation and amortization

Impairment losses

Selling, general and administrative

Acquisition-related transaction and integration

costs

Development activity expenses

Total operating costs and expenses

Gain on postretirement benefits curtailment

Operating (Loss)/Income

Other Income/(Expense)

Equity in losses of consolidated subsidiaries

Equity in earnings of unconsolidated affiliates

Impairment charge on investment

Other income, net

Loss on sale of equity-method investment

Net gain on debt extinguishment

Interest expense

Total other expense

Loss Before Income Taxes

Income tax (benefit)/expense

Net Loss 

Less: Net (loss)/income attributable to

noncontrolling interests and redeemable
noncontrolling interests

Guarantor
Subsidiaries

Non-Guarantor
Subsidiaries

NRG Energy, Inc.
(Note Issuer)

Eliminations (a)

Consolidated
Balance

(In millions)

$ 10,024

$

4,768

$

— $

(118) $

14,674

7,712

787

4,655

467

1

—
13,622

—
(3,598)

(86)

8

—

4

—

—
(18)
(92)
(3,690)
(1,104)
(2,586)

3,147

759

375

403

(5)
61
4,740

21

49

(29)

37
(25)
29

—

56
(564)
(496)
(447)
(96)
(351)

14

20

—

350

14

93
491

—
(491)

(2,799)

—
(31)
—
(14)
19
(546)
(3,371)
(3,862)
2,489
(6,351)

(118)
—

—

—

—

—
(118)
—

—

2,914

(9)
—

—

—

—

—

2,905

2,905

53

2,852

10,755

1,566

5,030

1,220

10

154
18,735

21
(4,040)

—

36
(56)
33
(14)
75
(1,128)
(1,054)
(5,094)
1,342
(6,436)

—

(23)

31

(62)

(54)

Net Loss Attributable to NRG Energy, Inc.

$

(2,586) $

(328) $

(6,382) $

2,914

$

(6,382)

(a)  All significant intercompany transactions have been eliminated in consolidation.

215

 
NRG ENERGY, INC. AND SUBSIDIARIES

CONDENSED CONSOLIDATING STATEMENTS OF COMPREHENSIVE INCOME/(LOSS)

For the Year Ended December 31, 2015 

Net Loss
Other Comprehensive (Loss)/Income, net of tax

Unrealized (loss)/gain on derivatives, net

Foreign currency translation adjustments, net

Available-for-sale securities, net

Defined benefit plan, net

Other comprehensive (loss)/income

Comprehensive Loss

Less: Comprehensive (loss)/income attributable to

noncontrolling interests and redeemable
noncontrolling interests

Comprehensive Loss Attributable to NRG

Energy, Inc.

Dividends for preferred shares

Comprehensive Loss Available for Common

Stockholders

Guarantor
Subsidiaries

Non-Guarantor
Subsidiaries

NRG Energy, Inc. 
(Note Issuer)

Eliminations(a)

Consolidated
Balance

$

(2,586) $

(351) $

(6,351) $

2,852

$

(6,436)

(In millions)

(9)
—

—
(22)
(31)
(2,617)

—

(2,617)
—

(13)
(7)
(1)
(15)
(36)
(387)

(42)

(345)
—

48
(4)
18

47

109
(6,242)

(41)
—

—

—
(41)
2,811

(15)

(11)

17

10

1
(6,435)

31

(62)

(73)

(6,273)
20

2,873

—

(6,362)

20

$

(2,617) $

(345) $

(6,293) $

2,873

$

(6,382)

(a)  All significant intercompany transactions have been eliminated in consolidation.

216

NRG ENERGY, INC. AND SUBSIDIARIES

CONDENSED CONSOLIDATING BALANCE SHEETS
December 31, 2015 

Guarantor
Subsidiaries

Non-Guarantor
Subsidiaries

NRG Energy, Inc. Eliminations (a) Consolidated

Balance

(In millions)

ASSETS

Current Assets
Cash and cash equivalents
Funds deposited by counterparties
Restricted cash
Accounts receivable - trade, net
Accounts receivable - Affiliate
Inventory
Derivative instruments
Cash collateral paid in support of energy risk management

activities

Renewable energy grant receivable
Current assets held-for-sale
Prepayments and other current assets
     Total current assets
Net Property, Plant and Equipment
Other Assets
Investment in subsidiaries
Equity investments in affiliates
Notes receivable, less current portion
Goodwill
Intangible assets, net
Nuclear decommissioning trust fund
Deferred income taxes
Derivative instruments
Non-current assets held for sale
Other non-current assets
    Total other assets
Total Assets

LIABILITIES AND STOCKHOLDERS' EQUITY

Current Liabilities
Current portion of long-term debt and capital leases
Accounts payable
Accounts payable - affiliate
Derivative instruments
Cash collateral received in support of energy risk management

activities

Accrued interest expense
Other accrued expenses
Current liabilities held-for-sale
Other current liabilities
     Total current liabilities
Other Liabilities
Long-term debt and capital leases
Nuclear decommissioning reserve
Nuclear decommissioning trust liability
Postretirement and other benefit obligations
Deferred income taxes
Derivative instruments
Out-of-market contracts
Non-current liabilities held-for-sale
Other non-current liabilities
     Total non-current liabilities
Total Liabilities
2.822% Preferred Stock
Redeemable noncontrolling interest in subsidiaries
Stockholders' Equity
Total Liabilities and Stockholders' Equity

$

$

$

$

— $
55
5
851
395
570
1,202

474

—
—
93
3,645
4,767

842
(14)
—
697
763
561
(6)
153
—
80
3,076
11,488

2
553
151
1,130

55

5
122
—
192
2,210

302
326
283
236
179
301
95
—
318
2,040
4,250
—
—
7,238
11,488

$

$

$

(a)  All significant intercompany transactions have been eliminated in consolidation.

825
51
409
304
260
682
871

94

13
6
274
3,789
13,773

2,244
1,160
46
302
1,551
—
815
184
105
749
7,156
24,718

460
277
2,000
749

51

91
151
2
187
3,968

10,496
—
—
200
(1,088)
224
1,051
4
535
11,422
15,390
—
29
9,299
24,718

$

$

$

$

217

693
—
—
2
571
—
—

—

—
—
71
1,337
219

11,039
1
7
—
2
—
(642)
—
—
385
10,792
12,348

19
39
(929)
—

—

147
295
—
7
(422)

8,185
—
—
152
928
—
—
—
47
9,312
8,890
302
—
3,156
12,348

$

$

$

$

— $
—
—
—
(1,222)
—
(158)

—

—
—
—
(1,380)
(27)

(14,125)
(102)
—
—
(6)
—
—
(32)
—
—
(14,265)
(15,672) $

— $
—
(1,222)
(158)

—

(1)
—
—
—
(1,381)

—
—
—
—
—
(32)
—
—
—
(32)
(1,413)
—
—
(14,259)
(15,672) $

1,518
106
414
1,157
4
1,252
1,915

568

13
6
438
7,391
18,732

—
1,045
53
999
2,310
561
167
305
105
1,214
6,759
32,882

481
869
—
1,721

106

242
568
2
386
4,375

18,983
326
283
588
19
493
1,146
4
900
22,742
27,117
302
29
5,434
32,882

NRG ENERGY, INC. AND SUBSIDIARIES
CONDENSED CONSOLIDATING STATEMENTS OF CASH FLOWS
For the Year Ended December 31, 2015 

Guarantor
Subsidiaries

Non-Guarantor
Subsidiaries

NRG Energy, Inc.
(Note Issuer)
(In millions)

Eliminations (a)

Consolidated
Balance

(2,586)

(351)

(6,351)

2,852

(6,436)

Cash Flows from Operating Activities
Net Loss

Adjustments to reconcile net loss to net cash provided by operating
activities:

Distributions from unconsolidated affiliates
Equity in losses of unconsolidated affiliates
Depreciation and amortization
Provision for bad debts
Amortization of nuclear fuel
Amortization of financing costs and debt discount/premiums
Adjustment to gain on debt extinguishment
Amortization of intangibles and out-of-market contracts
Amortization of unearned equity compensation
Gain on post retirement benefits curtailment and sales of
assets
Impairment losses
Changes in derivative instruments
Changes in collateral deposits supporting energy risk
management activities
Changes in deferred income taxes and liability for uncertain
tax benefits
Changes in nuclear decommissioning trust liability
Cash used by changes in other working capital
Net Cash (Used)/Provided by Operating Activities
Cash Flows from Investing Activities

3
(8)
787
58
45
—
—
52
—

—

4,655
264

(360)

(1,092)

(2)
(8,744)
(6,928)

91
(37)
759
3
—
(37)
(56)
29
—

(21)

400
(31)

(21)

(237)

—
(950)
(459)

Proceeds from intercompany loans to subsidiaries

7,183

1,258

Acquisition of 2015 Drop Down Assets, net of cash acquired
Acquisition of businesses, net of cash acquired
Capital expenditures
(Increase)/decrease in restricted cash, net
Decrease in restricted cash - U.S. DOE projects
Decrease in notes receivable
Proceeds from renewable energy grants
Purchases of emission allowances, net of proceeds
Investments in nuclear decommissioning trust securities
Proceeds from sales of nuclear decommissioning trust fund
securities
Proceeds from sale of assets, net
Investments in unconsolidated affiliates
Other

Net Cash Provided/(Used) by Investing Activities
Cash Flows from Financing Activities

Payments from intercompany loans
Acquisition of 2015 Drop Down Assets, net of cash acquired
Payment of dividends to preferred and common stockholders
Net receipts from settlement of acquired derivatives that
include financing elements
Payment for treasury stock
Sale proceeds and other contributions from noncontrolling
interests in subsidiaries
Proceeds from issuance of common stock
Proceeds from issuance of long-term debt
Payment of debt issuance and hedging costs
Payments for short and long-term debt
Other

Net Cash (Used)/Provided by Financing Activities

Effect of exchange rate changes on cash and cash equivalents

Net (Decrease)/Increase in Cash and Cash Equivalents
Cash and Cash Equivalents at Beginning of Period
Cash and Cash Equivalents at End of Period

$

—
—
(316)
(1)
—
—
—
41
(629)

631

—
1
—
6,910

—
—
—

—

—

—

(698)
(31)
(908)
9
34
18
82
—
—

—

1
(357)
11
(581)

—
—
—

196

—

647

—
—
—
—
—
—
—
(18)
18
— $

—
953
(21)
(1,353)
(22)
400
10
(630)
1,455
825

$

(a)  All significant intercompany transactions have been eliminated in consolidation.

218

—
—
20
3
—
26
(19)
—
41

14

31
—

—

2,655

—
12,276
8,696

—

—
—
(59)
—
1
—
—
—
—

—

26
(39)
—
(71)

(8,441)
698
(201)

—

(437)

—

1
51
—
(246)
—
(8,575)
—
50
643
693

$

(21)
9
—
—
—
—
—
—
—

—

—
—

—

—

—
(2,840)
—

(8,441)

698
—
—
—
—
—
—
—
—

—

—
—
—
(7,743)

8,441
(698)
—

—

—

—

—
—
—
—
—
7,743
—
—
—
— $

73
(36)
1,566
64
45
(11)
(75)
81
41

(7)

5,086
233

(381)

1,326

(2)
(258)
1,309

—

—
(31)
(1,283)
8
35
18
82
41
(629)

631

27
(395)
11
(1,485)

—
—
(201)

196

(437)

647

1
1,004
(21)
(1,599)
(22)
(432)
10
(598)
2,116
1,518

 
 
 
 
 
 
NRG ENERGY, INC. AND SUBSIDIARIES

CONDENSED CONSOLIDATING STATEMENTS OF OPERATIONS

For the Year Ended December 31, 2014 

Operating Revenues

Total operating revenues
Operating Costs and Expenses

Cost of operations

Depreciation and amortization

Impairment losses

Selling, general and administrative
Acquisition-related transactions and integration

costs

Development activity expense

Total operating costs and expenses

Gain on sale of assets
Operating Income/(Loss)

Other Income/(Expense)

Equity in earnings of consolidated subsidiaries

Equity in earnings of unconsolidated affiliates

Impairment losses on investments

Other income, net

Gain on sale of equity-method investment

Loss on debt extinguishment

Interest expense

Total other income/(expense)

Income/(Loss) Before Income Taxes

Income tax expense/(benefit)

Net Income

$

Less: Net income attributable to noncontrolling

interests and redeemable noncontrolling interests

Guarantor
Subsidiaries

Non-Guarantor
Subsidiaries

NRG 
Energy, Inc.
(Note Issuer)
(In millions)

Eliminations (a)

Consolidated
Balance

$

9,974

$

6,287

$

— $

(393) $

15,868

7,909

801

—

333

3

—
9,046

—

928

317

13

—

7

—

—
(19)
318

1,246

322

924

—

$

4,206

706

119

390

15

35
5,471

19

835

219

33

—

14

18
(9)
(525)
(250)
585

159

426

57

$

4

16

—

304

66

56
446

—
(446)

775

—

—

3

—
(86)
(575)
117
(329)
(478)
149

15

$

(325)
—
(22)
—

—

—
(347)
—
(46)

(1,311)
(8)
—
(2)
—

—

—
(1,321)
(1,367)
—
(1,367) $

(74)

11,794

1,523

97

1,027

84

91
14,616

19

1,271

—

38

—

22

18
(95)
(1,119)
(1,136)
135

3

132

(2)

Net Income Attributable to NRG Energy, Inc.

$

924

$

369

$

134

$

(1,293) $

134

(a)  All significant intercompany transactions have been eliminated in consolidation.

219

 
NRG ENERGY, INC. AND SUBSIDIARIES

CONDENSED CONSOLIDATING STATEMENTS OF COMPREHENSIVE INCOME/(LOSS)

For the Year Ended December 31, 2014 

Net Income
Other Comprehensive (Loss)/Income, net of
tax

Unrealized loss on derivatives, net

Foreign currency translation adjustments, net

Available-for-sale securities, net

Defined benefit plan, net

Other comprehensive loss
Comprehensive Income/(Loss)

Less: Comprehensive income attributable to
noncontrolling interests and redeemable
noncontrolling interests

Comprehensive Income/(Loss) Attributable to

NRG Energy, Inc.

Dividends for preferred shares

Comprehensive Income/(Loss) Available for

Common Stockholders

Guarantor
Subsidiaries

Non-Guarantor
Subsidiaries

NRG Energy, Inc. 
(Note Issuer)

Eliminations(a)

Consolidated
Balance

$

924

$

426

$

149

$

(1,367) $

132

(In millions)

(49)

—

—

5

(44)
880

—

880

—

(89)
(12)
1
(104)
(204)
222

67

155

—

(215)
4
(8)
(30)
(249)
(100)

15

(115)
56

308

—

—

—

308
(1,059)

(74)

(985)
—

(45)
(8)
(7)
(129)
(189)
(57)

8

(65)
56

$

880

$

155

$

(171) $

(985) $

(121)

(a)  All significant intercompany transactions have been eliminated in consolidation.

220

NRG ENERGY, INC. AND SUBSIDIARIES

CONDENSED CONSOLIDATING BALANCE SHEETS

December 31, 2014 

Guarantor
Subsidiaries

Non-Guarantor
Subsidiaries

NRG Energy, Inc. Eliminations (a)

Consolidated
Balance

(In millions)

ASSETS

Current Assets
Cash and cash equivalents
Funds deposited by counterparties
Restricted cash
Accounts receivable - trade, net
Inventory
Derivative instruments
Cash collateral paid in support of energy risk management

activities

Accounts receivable - affiliate
Renewable energy grant receivable
Prepayments and other current assets
Total current assets
Net Property, Plant and Equipment
Other Assets
Investment in subsidiaries
Equity investments in affiliates
Notes receivable, less current portion

Goodwill
Intangible assets, net
Nuclear decommissioning trust fund
Derivative instruments
Deferred income taxes
Non-current assets held for sale
Other non-current assets
Total other assets
Total Assets

LIABILITIES AND STOCKHOLDERS' EQUITY

Current Liabilities
Current portion of long-term debt and capital leases
Accounts payable
Accounts payable - affiliate
Derivative instruments
Cash collateral received in support of energy risk management

activities

Accrued expenses and other current liabilities
Total current liabilities
Other Liabilities
Long-term debt and capital leases
Nuclear decommissioning reserve
Nuclear decommissioning trust liability
Postretirement and other benefit obligations
Deferred income taxes
Derivative instruments
Out-of-market commodity contracts
Other non-current liabilities
Total non-current liabilities
Total Liabilities
2.822% Preferred Stock
Redeemable noncontrolling interest in subsidiaries
Stockholders' Equity
Total Liabilities and Stockholders' Equity

$

$

$

$

18
9
5
924
537
1,657

114

7,449
—
94
10,807
8,344

140
(18)
1

1,921
765
585
242
(247)
—
108
3,497
22,648

1
598
1,588
1,532

9

283
4,011

302
310
333
277
1,043
248
111
188
2,812
6,823
—
—
15,825
22,648

$

$

$

$

(a)  All significant intercompany transactions have been eliminated in consolidation.

221

1,455
63
451
392
710
1,209

73

1,988
134
269
6,744
13,877

2,293
891
60

653
1,806
—
288
722
17
520
7,250
27,871

444
416
2,447
963

63

498
4,831

11,123
—
—
234
(1,012)
241
1,133
561
12,280
17,111
—
19
10,741
27,871

$

$

$

$

$

643
—
1
6
—
—

—

(5,991)
1
75
(5,265)
171

23,410
—
109

—
2
—
1
1,105
—
417
25,044
19,950

127
46
(598)
—

—

418
(7)

8,276
—
—
216
(10)
—
—
98
8,580
8,573
291
—
11,086
19,950

$

$

$

— $
—
—
—
—
(441)

—

(3,437)
—
—
(3,878)
(25)

(25,843)
(102)
(98)

—
(6)
—
(51)
—
—
—
(26,100)
(30,003) $

(98) $
—
(3,437)
(441)

—

—
(3,976)

—
—
—
—
—
(51)
—
—
(51)
(4,027)
—
—
(25,976)
(30,003) $

2,116
72
457
1,322
1,247
2,425

187

9
135
438
8,408
22,367

—
771
72

2,574
2,567
585
480
1,580
17
1,045
9,691
40,466

474
1,060
—
2,054

72

1,199
4,859

19,701
310
333
727
21
438
1,244
847
23,621
28,480
291
19
11,676
40,466

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
NRG ENERGY, INC. AND SUBSIDIARIES

CONDENSED CONSOLIDATING STATEMENTS OF CASH FLOWS

For the Year Ended December 31, 2014 

Guarantor
Subsidiaries

Non-Guarantor
Subsidiaries

NRG

Energy, Inc. Eliminations (a) Consolidated
(In millions)

Balance

Cash Flows from Operating Activities
Net Income
Adjustments to reconcile net loss to net cash provided by operating
activities:

Distributions from unconsolidated affiliates
Equity in losses of unconsolidated affiliates
Depreciation and amortization
Provision for bad debts
Amortization of nuclear fuel
Amortization of financing costs and debt discount/premiums
Adjustment to loss on debt extinguishment
Amortization of intangibles and out-of-market contracts
Amortization of unearned equity compensation
Gain on sale of assets, net
Impairment losses
Changes in derivative instruments
Changes in deferred income taxes and liability for uncertain tax
benefits
Changes in nuclear decommissioning trust liability
Cash used by changes in other working capital
Net Cash Provided/(Used) by Operating Activities
Cash Flows from Investing Activities
Intercompany loans to subsidiaries
Acquisition of businesses, net of cash acquired
Capital expenditures
Decrease in restricted cash, net
(Increase) in restricted cash - U.S. DOE projects
Decrease in notes receivable
Proceeds from renewable energy grants
Purchases of emission allowances, net of proceeds
Investments in nuclear decommissioning trust fund securities
Proceeds from sales of nuclear decommissioning trust fund
securities
Proceeds from sale of assets, net
Investments in unconsolidated affiliates
Other

Net Cash (Used)/Provided by Investing Activities
Cash Flows from Financing Activities
Proceeds from intercompany loans
Payment of dividends to preferred stockholders
Net receipts from acquired derivatives that include financing
elements
Payment for treasury stock
Sales proceeds from sale of noncontrolling interest in
subsidiaries
Proceeds from issuance of common stock
Proceeds from issuance of long-term debt
Payment of debt issuance and hedging costs
Payments of short and long-term debt
Other

Net Cash (Used)/Provided by Financing Activities

Effect of exchange rate changes on cash and cash equivalents

Net (Decrease)/Increase in Cash and Cash Equivalents
Cash and Cash Equivalents at Beginning of Period
Cash and Cash Equivalents at End of Period

$

924

426

149

(1,367)

132

—
(13)
801
64
46
—
—
65
—
—
—
(149)

242

19
787
2,786

(2,523)
—
(252)
—
—
—
—
(16)
(619)

600

—
—
—
(2,810)

—
—

—

—

—

—
—
—
—
(14)
(14)
—
(38)
56
18

$

87
(33)
706
—
—
(40)
8
(1)
—
(4)
119
88

(115)

—
(973)
268

(685)
(25)
(619)
57
(209)
25
916
—
—

—

—
(25)
85
(480)

—
—

9

—

819

—
1,182
(39)
(1,160)
(4)
807
(10)
585
870
1,455

$

—
—
16
—
—
28
17
—
42
—
—
—

(281)

—
(4,723)
(4,752)

3,208
(2,911)
(38)
—
3
—
—
—
—

—

203
(78)
—
387

3,208
(196)

—

(39)

—

21
3,381
(28)
(2,667)
—
3,680
—
(685)
1,328
643

$

—
8
—
—
—
—
—
—
—
—
(22)
—

—

—
4,589
3,208

—
—
—
—
—
—
—
—
—

—

—
—
—
—

(3,208)
—

—

—

—

—
—
—
—
—
(3,208)
—
—
—
— $

87
(38)
1,523
64
46
(12)
25
64
42
(4)
97
(61)

(154)

19
(320)
1,510

—
(2,936)
(909)
57
(206)
25
916
(16)
(619)

600

203
(103)
85
(2,903)

—
(196)

9

(39)

819

21
4,563
(67)
(3,827)
(18)
1,265
(10)
(138)
2,254
2,116

(a)  All significant intercompany transactions have been eliminated in consolidation.

222

 
 
 
 
 
 
 
 
 
 
 
 
NRG ENERGY, INC. AND SUBSIDIARIES

CONDENSED CONSOLIDATING STATEMENTS OF OPERATIONS

For the Year Ended December 31, 2013 

Operating Revenues

Total operating revenues
Operating Costs and Expenses

Cost of operations

Depreciation and amortization

Impairment losses

Selling, general and administrative
Acquisition-related transaction and integration

costs

Development activity expenses

Total operating costs and expenses

Operating Income/(Loss)

Other (Expense)/Income

Equity in (losses)/earnings of consolidated

subsidiaries

Equity in (losses)/earnings of unconsolidated

affiliates

Impairment losses on investment

Other income/(loss), net

Loss on debt extinguishment

Interest expense

Total other expense

Income/(Loss) Before Income Taxes

Income tax expense/(benefit)

Guarantor
Subsidiaries

Non-Guarantor
Subsidiaries

NRG Energy, Inc. Eliminations (a)

Consolidated
Balance

(In millions)

$

8,223

$

3,211

$

— $

(139) $

11,295

6,150

837

459

446

—

—
7,892

331

(67)

(11)
—

6

—
(24)
(96)
235

114

121

—

2,113

407

—

221

70

34
2,845

366

(14)

22
(99)
11
(12)
(318)
(410)
(44)
(89)
45

27

—

12

—

234

58

50
354
(354)

221

—

—
(2)
(38)
(506)
(325)
(679)
(307)
(372)

13

(133)
—

—
(6)

—

—
(139)
—

8,130

1,256

459

895

128

84
10,952

343

(140)

—

(4)
—
(2)
—

—
(146)
(146)
—
(146)

(6)

7
(99)
13
(50)
(848)
(977)
(634)
(282)
(352)

34

121

$

18

$

(385) $

(140) $

(386)

Net Income/(Loss)
Less: Net income attributable to noncontrolling

interest

Net Income/(Loss) Attributable to NRG Energy,
Inc

$

(a)  All significant intercompany transactions have been eliminated in consolidation.

223

 
NRG ENERGY, INC. AND SUBSIDIARIES

CONDENSED CONSOLIDATING STATEMENTS OF COMPREHENSIVE INCOME

For the Year Ended December 31, 2013 

Net Income/(Loss)
Other Comprehensive Income/(Loss), net of
tax

Guarantor
Subsidiaries

Non-Guarantor
Subsidiaries

NRG Energy, Inc. 
(Note Issuer)

Eliminations(a)

Consolidated
Balance

$

121

$

45

$

(372) $

(146) $

(352)

(In millions)

Unrealized (loss)/income on derivatives, net

(71)

50
(20)
—

63

93
138

27

111

—

120
(4)
3

30

149
(223)

13

(236)
9

(91)
—

—

—
(91)
(237)

(6)

(231)
—

8
(24)
3

168

155
(197)

34

(231)
9

$

125

$

111

$

(245) $

(231) $

(240)

Foreign currency translation adjustments, net

Available-for-sale securities, net

Defined benefit plan, net

Other comprehensive income

Comprehensive Income/(Loss)

Less: Comprehensive income attributable to

noncontrolling interest

Comprehensive Income/(Loss) Attributable to

NRG Energy, Inc.

Dividends for preferred shares

Comprehensive Income/(Loss) Available for

Common Stockholders

—

—

75

4
125

—

125

—

(a)  All significant intercompany transactions have been eliminated in consolidation.

224

NRG ENERGY, INC. AND SUBSIDIARIES

CONDENSED CONSOLIDATING STATEMENTS OF CASH FLOWS

For the Year Ended December 31, 2013

Guarantor
Subsidiaries

Non-Guarantor
Subsidiaries

NRG
Energy, Inc.

Eliminations(a)

Consolidated
Balance

(In millions)

Cash Flows from Operating Activities

Net Income/(Loss)
Adjustments to reconcile net loss to net cash provided by operating
activities:

Distributions from unconsolidated affiliates
Equity in losses of unconsolidated affiliates
Depreciation and amortization
Provision for bad debts
Amortization of nuclear fuel
Amortization of financing costs and debt discount/premiums
Adjustment for debt extinguishment
Amortization of intangibles and out-of-market contracts
Amortization of unearned equity compensation
Gain on sale of assets, net
Impairment losses
Changes in derivative instruments
Changes in deferred income taxes and liability for uncertain tax
benefits
Changes in nuclear decommissioning trust liability
Cash used by changes in other working capital
Net Cash Provided/(Used) by Operating Activities
Cash Flows from Investing Activities
Intercompany loans to subsidiaries
Acquisition of business, net of cash acquired
Capital expenditures
(Increase)/decrease in restricted cash
(Increase)/decrease in restricted cash - U.S. DOE projects
Decrease/(increase) in notes receivable
Proceeds from renewable energy grants
Purchases of emission allowances, net of proceeds
Investments in nuclear decommissioning trust fund securities
Proceeds from sales of nuclear decommissioning trust fund
securities
Proceeds from sale of assets, net
Other

Net Cash Used by Investing Activities
Cash Flows from Financing Activities
Proceeds from intercompany loans
Payment for dividends to preferred stockholders
Net (payments for)/receipts from acquired derivatives that include
financing elements
Payment for treasury stock
Sales proceeds from sale of noncontrolling interest in subsidiary
Proceeds from issuance of common stock
Proceeds from issuance of long-term debt
Payment of debt issuance and hedging costs
Payments of short and long-term debt

Net Cash (Used)/Provided by Financing Activities

Effect of exchange rate changes on cash and cash equivalents

Net Increase/(Decrease) in Cash and Cash Equivalents
Cash and Cash Equivalents at Beginning of Period
Cash and Cash Equivalents at End of Period

$

121

51
11
837
67
36
—
—
100
—
—
459
197

(58)

15
482
2,318

(1,722)
—
(528)
(1)
—
2
—
5
(514)

488

13
(4)
(2,261)

—
—

(79)

—
—
—
—
—
—
(79)
—
(22)
78
56

$

(a)  All significant intercompany transactions have been eliminated in consolidation.

225

45

(372)

(146)

(352)

26
(22)
407
—
—
(9)
(27)
(51)
—
(3)
99
(33)

292

—
(941)
(217)

7
(179)
(1,413)
(22)
(31)
(7)
55
—
—

—

—
(11)
(1,601)

—
—

346

—
531
—
1,292
(21)
(716)
1,432
(2)
(388)
1,258
870

$

—
—
12
—
—
(24)
12
—
38
—
—
—

(301)

—
(1,911)
(2,546)

1,715
(315)
(46)
1
5
(6)
—
—
—

—

—
(20)
1,334

1,715
(154)

—

(25)
—
16
485
(29)
(219)
1,789
—
577
751
1,328

—
4
—
—
—
—
—
—
—
—
—
—

—

—
1,857
1,715

—
—
—
—
—
—
—
—
—

—

—
—
—

(1,715)
—

—

—
—
—
—
—
—
(1,715)
—
—
—
— $

$

77
(7)
1,256
67
36
(33)
(15)
49
38
(3)
558
164

(67)

15
(513)
1,270

—
(494)
(1,987)
(22)
(26)
(11)
55
5
(514)

488

13
(35)
(2,528)

—
(154)

267

(25)
531
16
1,777
(50)
(935)
1,427
(2)
167
2,087
2,254

SCHEDULE II. VALUATION AND QUALIFYING ACCOUNTS

For the Years Ended December 31, 2015, 2014, and 2013 

Balance at
Beginning of
Period

Charged to
Costs and
Expenses

Charged to
Other Accounts

(In millions)

Deductions

Balance at
End of Period

Allowance for doubtful accounts, deducted from

accounts receivable

Year Ended December 31, 2015
Year Ended December 31, 2014

Year Ended December 31, 2013
Income tax valuation allowance, deducted from

deferred tax assets

Year Ended December 31, 2015

Year Ended December 31, 2014

Year Ended December 31, 2013

$

$

(a)  Represents principally net amounts charged as uncollectible.

$

23
40

32

$

62
64

66

— $
—

—

(64) (a)
(81) (a)
(58) (a)

265

291

191

$

3,039

$

—

32

$

271
(10)
68

—
(16)  
—

21

23

40

3,575

265

291

226

 
Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange Act of 1934, the registrant has duly caused 

this report to be signed on its behalf by the undersigned thereunto duly authorized.

SIGNATURES

NRG ENERGY, INC.
(Registrant)

By:

/s/ MAURICIO GUTIERREZ

Mauricio Gutierrez
Chief Executive Officer

Date: February 29, 2016 

227

 
 
 
POWER OF ATTORNEY

Each person whose signature appears below constitutes and appoints David R. Hill and Brian E. Curci, each or any of them, 
such person's true and lawful attorney-in-fact and agent with full power of substitution and resubstitution for such person and in 
such person's name, place and stead, in any and all capacities, to sign any and all amendments to this report on Form 10-K, and
to  file  the  same  with  all  exhibits  thereto,  and  other  documents  in  connection  therewith,  with  the  Securities  and  Exchange 
Commission, granting unto said attorneys-in-fact and agents, and each of them, full power and authority to do and perform each 
and every act and thing necessary or desirable to be done in and about the premises, as fully to all intents and purposes as such 
person, hereby ratifying and confirming all that said attorneys-in-fact and agents, or any of them or his or their substitute or 
substitutes, may lawfully do or cause to be done by virtue hereof.

In accordance with the Exchange Act, this report has been signed by the following persons on behalf of the registrant in the 

capacities indicated on February 29, 2016.

Signature
/s/ MAURICIO GUTIERREZ 
Mauricio Gutierrez
/s/ KIRKLAND B. ANDREWS 
Kirkland B. Andrews
/s/ DAVID CALLEN
David Callen
/s/ HOWARD E. COSGROVE  
Howard E. Cosgrove
/s/ EDWARD R. MULLER
Edward R. Muller

E. Spencer Abraham
/s/ KIRBYJON H. CALDWELL
Kirbyjon H. Caldwell
/s/ LAWRENCE S. COBEN  
Lawrence S. Coben
/s/ TERRY G. DALLAS
Terry G. Dallas
/s/ WILLIAM E. HANTKE  
William E. Hantke
/s/ PAUL W. HOBBY  
Paul W. Hobby
/s/ ANNE C. SCHAUMBURG  
Anne C. Schaumburg
/s/ EVAN J. SILVERSTEIN
Evan J. Silverstein
/s/ THOMAS H. WEIDEMEYER  
Thomas H. Weidemeyer
/s/ WALTER R. YOUNG
Walter R. Young

Title
President, Chief Executive Officer and
Director (Principal Executive Officer)
Chief Financial Officer
(Principal Financial Officer)
Chief Accounting Officer
(Principal Accounting Officer)

Date

February 29, 2016

February 29, 2016

February 29, 2016

Chairman of the Board

February 29, 2016

Vice Chairman of the Board

February 29, 2016

February 29, 2016

February 29, 2016

February 29, 2016

February 29, 2016

February 29, 2016

February 29, 2016

February 29, 2016

February 29, 2016

February 29, 2016

February 29, 2016

Director

Director

Director

Director

Director

Director

Director

Director

Director

Director

228

Number

Description

Method of Filing

EXHIBIT INDEX

2.1

2.2

2.3

2.4

2.5

2.6

2.7

3.1

3.2

3.3

3.4

3.5

3.6

3.7

4.1

4.2

4.3

Third Amended Joint Plan of Reorganization of NRG Energy, Inc., 
NRG  Power  Marketing,  Inc.,  NRG  Capital  LLC,  NRG  Finance 
Company I LLC, and NRGenerating Holdings (No. 23) B.V.

Incorporated herein by reference to Exhibit 99.1 to the 
Registrant's  current  report  on  Form 8-K  filed  on 
November 19, 2003.

First  Amended  Joint  Plan  of  Reorganization  of  NRG  Northeast 
Generating LLC (and certain of its subsidiaries), NRG South Central 
Generating (and certain of its subsidiaries) and Berrians I Gas Turbine 
Power LLC.

Incorporated herein by reference to Exhibit 99.2 to the 
Registrant's  current  report  on  Form 8-K  filed  on 
November 19, 2003.

Acquisition  Agreement,  dated  as  of  September 30,  2005,  by  and 
among  NRG  Energy,  Inc.,  Texas  Genco  LLC  and  the  Direct  and 
Indirect Owners of Texas Genco LLC.

Incorporated herein by reference to Exhibit 2.1 to the 
Registrant's current report on Form 8-K filed on October 
3, 2005.

Purchase and Sale Agreement by and between Denali Merger Sub Inc. 
and NRG Energy, Inc. dated as of August 13, 2010.

Incorporated herein by reference to Exhibit 99.2 to the 
Registrant's  current  report  on  Form  8-K  filed  on 
August 13, 2010.

Agreement  and  Plan  of  Merger, dated  as  of  July  20,  2012,  by  and 
among  NRG  Energy,  Inc.,  Plus  Merger  Corporation  and  GenOn 
Energy, Inc.

Incorporated herein by reference to Exhibit 2.1 to the 
Registrant's current report on Form 8-K filed on July 23, 
2012.

Plan Sponsor Agreement, dated October 18, 2013, by and among NRG 
Energy, Inc.,  NRG  Energy  Holdings, Inc.,  Edison  Mission  Energy, 
certain of Edison Mission Energy’s debtor subsidiaries, the Official 
Committee of Unsecured Creditors of Edison Mission Energy and its 
affiliated  debtors,  the  PoJo  Parties  (as  defined  therein)  and  the 
proponent noteholders thereto.

Incorporated  herein  by  reference  to  Exhibit  2.1  to 
Amendment No. 1 to the Registrant’s current report on 
Form 8-K filed on October 21, 2013.

Asset Purchase Agreement, dated October 18, 2013, by and among 
NRG Energy, Inc., Edison Mission Energy and NRG Energy Holdings 
Inc.

Incorporated  herein  by  reference  to  Exhibit  2.2  to 
Amendment No. 1 to the Registrant’s current report on 
Form 8-K filed on October 21, 2013.

Amended and Restated Certificate of Incorporation.

Certificate  of Amendment to Amended and  Restated  Certificate  of 
Incorporation.

Second Amended and Restated By-Laws.

Certificate  of  Designations  relating  to  the  Series 1  Exchangeable 
Limited  Liability  Company  Preferred  Interests  of  NRG  Common 
Stock Finance I LLC, as filed with the Secretary of State of Delaware 
on August 4, 2006.

Certificate of Amendment to Certificate of Designations relating to 
the  Series 1  Exchangeable  Limited  Liability  Company  Preferred 
Interests of NRG Common Stock Finance I LLC, as filed with the 
Secretary of State of Delaware on February 27, 2008.

Second  Certificate  of  Amendment  to  Certificate  of  Designations 
relating  to  the  Series 1  Exchangeable  Limited  Liability  Company 
Preferred Interests of NRG Common Stock Finance I LLC, as filed 
with the Secretary of State of Delaware on August 8, 2008.

Incorporated herein by reference to Exhibit 3.1 to the 
Registrant's quarterly report on Form 10-Q filed on May 
3, 2012.

Incorporated herein by reference to Exhibit 3.1 to the 
Registrant's  current  report  on  Form 8-K  filed  on 
December 14, 2012.

Incorporated herein by reference to Exhibit 3.2 to the 
Registrant's  current  report  on  Form 8-K  filed  on 
December 14, 2012.

Incorporated herein by reference to Exhibit 10.7 to the 
Registrant's current report on Form 8-K filed on August 
10, 2006.

Incorporated herein by reference to Exhibit 3.1 to the 
Registrant's quarterly report on Form 10-Q filed on May 
1, 2008.

Incorporated herein by reference to Exhibit 3.1 to the 
Registrant's  quarterly  report  on  Form 10-Q  filed  on 
October 30, 2008.

Certificate of Designations of 2.822% Convertible Perpetual
Preferred Stock, as filed with the Secretary of State of the State of
Delaware on December 30, 2014.

Incorporated herein by reference to Exhibit 3.1 to the 
Registrant's  current  report  on  Form  8-K  filed  on 
December 30, 2014.

Supplemental Indenture, dated as of December 30, 2005, among NRG 
Energy, Inc., the subsidiary guarantors named on Schedule A thereto 
and Law Debenture Trust Company of New York, as trustee.

Incorporated herein by reference to Exhibit 10.1 to the 
Registrant's current report on Form 8-K filed on January 
4, 2006.

Amended  and  Restated  Common  Agreement  among  XL  Capital 
Assurance Inc., Goldman Sachs Mitsui Marine Derivative Products, 
L.P., Law Debenture Trust Company of New York, as Trustee, The 
Bank  of  New  York,  as  Collateral  Agent,  NRG  Peaker  Finance 
Company LLC and each Project Company Party thereto, dated as of 
January 6, 2004, together with Annex A to the Common Agreement.

Amended  and  Restated  Security  Deposit  Agreement  among  NRG 
Peaker  Finance  Company,  LLC  and  each  Project  Company  party 
thereto, and the Bank of New York, as Collateral Agent and Depositary 
Agent, dated as of January 6, 2004.

Incorporated herein by reference to Exhibit 4.9 to the 
Registrant's  annual  report  on  Form 10-K  filed  on 
March 16, 2004.

Incorporated herein by reference to Exhibit 4.10 to the 
Registrant's  annual  report  on  Form 10-K  filed  on 
March 16, 2004.

229

4.4

4.5

4.6

4.7

4.8

NRG Parent Agreement by NRG Energy, Inc. in favor of the Bank of 
New York, as Collateral Agent, dated as of January 6, 2004.

Indenture  dated  June 18,  2002,  between  NRG  Peaker  Finance 
Company LLC, as Issuer, Bayou Cove Peaking Power LLC, Big Cajun 
I Peaking Power LLC, NRG Rockford LLC, NRG Rockford II LLC 
and Sterlington Power LLC, as Guarantors, XL Capital Assurance Inc., 
as Insurer, and Law Debenture Trust Company, as Successor Trustee 
to the Bank of New York.

Specimen of Certificate representing common stock of NRG Energy, 
Inc.

Indenture, dated February 2, 2006, among NRG Energy, Inc. and Law 
Debenture Trust Company of New York.

Thirty-Sixth Supplemental Indenture, dated August 20, 2010, among 
NRG Energy, Inc., the guarantors named therein and Law Debenture 
Trust Company of New York as Trustee, re: NRG Energy, Inc.'s 8.25% 
Senior Notes due 2020.

4.9

Form of 8.25% Senior Note due 2020.

4.10

4.11

4.12

Registration Rights Agreement, dated August 20, 2010, among NRG 
Energy,  Inc.,  the  guarantors  named  therein  and  Citigroup  Global 
Markets Inc., Banc of America Securities LLC and Deutsche Bank 
Securities Inc., as representatives of the several initial purchasers.

Forty-First Supplemental Indenture, dated as of December 15, 2010, 
among NRG Energy, Inc., the existing guarantors named therein, the 
guaranteeing  subsidiaries  named  therein  and  Law  Debenture  Trust 
Company  of  New  York  as  Trustee,  re:  NRG  Energy,  Inc.'s  8.25% 
Senior Notes due 2020.

Forty-Second  Supplemental  Indenture,  dated  January 26,  2011, 
among NRG Energy, Inc., the existing guarantors named therein, the 
guaranteeing  subsidiaries  named  therein  and  Law  Debenture  Trust 
Company of New York as Trustee, re: NRG Energy, Inc.’s 7.625% 
Senior Notes due 2018.

4.13

Form of 7.625% Senior Note due 2018.

Incorporated herein by reference to Exhibit 4.11 to the 
Registrant's  annual  report  on  Form 10-K  filed  on 
March 16, 2004.

Incorporated herein by reference to Exhibit 4.23 to the 
Registrant's  annual  report  on  Form 10-K  filed  on 
March 31, 2003.

Incorporated herein by reference to Exhibit 4.3 to the
Registrant's quarterly report on Form 10-Q filed on
August 4, 2006.

Incorporated herein by reference to Exhibit 4.1 to the 
Registrant's  current  report  on  Form 8-K  filed  on 
February 6, 2006.

Incorporated herein by reference to Exhibit 4.1 to the 
Registrant's  current  report  on  Form  8-K  filed  on 
August 20, 2010.

Incorporated herein by reference to Exhibit 4.2 to the 
Registrant's  current  report  on  Form  8-K  filed  on 
August 20, 2010.

Incorporated herein by reference to Exhibit 10.1 to the 
Registrant's  current  report  on  Form  8-K  filed  on 
August 20, 2010.

Incorporated herein by reference to Exhibit 4.5 to the 
Registrant's  current  report  on  Form  8-K  filed  on 
December 16, 2010.

Incorporated herein by reference to Exhibit 4.1 to the 
Registrant's current report on Form 8-K filed on January 
28, 2011.

Incorporated herein by reference to Exhibit 4.2 to the 
Registrant's current report on Form 8-K filed on January 
28, 2011.

Registration Rights Agreement, dated January 26, 2011, among NRG 
Energy, Inc.,  the  guarantors  named  therein  and  J.P.  Morgan 
Securities LLC, as initial purchaser.

Incorporated herein by reference to Exhibit 10.1 to the 
Registrant's current report on Form 8-K filed on January 
28, 2011.

4.14

4.15

4.16

4.17

Forty-Eighth  Supplemental  Indenture,  dated  May 20,  2011,  among 
NRG  Energy, Inc.,  the  existing  guarantors  named  therein,  the 
guaranteeing  subsidiaries  named  therein  and  Law  Debenture  Trust 
Company  of  New  York as  Trustee,  re:  NRG  Energy,  Inc.’s  8.25% 
Senior Notes due 2020.

Forty-Ninth  Supplemental  Indenture,  dated  May 20,  2011,  among 
NRG  Energy, Inc.,  the  existing  guarantors  named  therein,  the 
guaranteeing  subsidiaries  named  therein  and  Law  Debenture  Trust 
Company of New York as Trustee, re: NRG Energy, Inc.’s 7.625% 
Senior Notes due 2018.

Fifty-First Supplemental Indenture, dated May 24, 2011, among NRG 
Energy, Inc., the existing guarantors named therein, the guaranteeing 
subsidiaries named therein and Law Debenture Trust Company of New 
York as Trustee, re:  NRG  Energy, Inc.’s 7.875%  Senior  Notes  due 
2021.

4.18

Form of 7.875% Senior Note due 2021.

4.19

Registration  Rights Agreement,  dated  May 24,  2011,  among  NRG 
Energy, Inc., the guarantors named therein and Morgan Stanley & Co. 
Incorporated,  Merrill  Lynch, Pierce,  Fenner &  Smith  Incorporated, 
Barclays  Capital Inc.,  Citigroup  Global  Markets Inc.,  Credit  Suisse 
Securities  (USA) LLC,  Deutsche  Bank  Securities Inc.,  Goldman, 
Sachs & Co., J.P. Morgan Securities LLC and RBS Securities Inc., as 
representatives of the initial purchasers.

230

Incorporated herein by reference to Exhibit 4.4 to the 
Registrant's  current  report  on  Form 8-K  filed  on 
May 25, 2011.

Incorporated herein by reference to Exhibit 4.5 to the 
Registrant's  current  report  on  Form 8-K  filed  on 
May 25, 2011.

Incorporated herein by reference to Exhibit 4.3 to the 
Registrant's  current  report  on  Form 8-K  filed  on 
May 25, 2011.

Incorporated herein by reference to Exhibit 4.4 to the 
Registrant's  current  report  on  Form 8-K  filed  on 
May 25, 2011.

Incorporated herein by reference to Exhibit 4.5 to the 
Registrant's  current  report  on  Form 8-K  filed  on 
May 25, 2011.

4.20

4.21

4.22

4.23

4.24

4.25

4.26

4.27

4.28

4.29

Fifty-Fourth  Supplemental  Indenture,  dated  November 8,  2011, 
among NRG Energy, Inc., the existing guarantors named therein, the 
guaranteeing  subsidiaries  named  therein  and  Law  Debenture  Trust 
Company  of  New  York as  Trustee,  re:  NRG  Energy,  Inc.’s  8.25% 
Senior Notes due 2020.

Fifty-Fifth Supplemental Indenture, dated November 8, 2011, among 
NRG  Energy, Inc.,  the  existing  guarantors  named  therein,  the 
guaranteeing  subsidiaries  named  therein  and  Law  Debenture  Trust 
Company of New York as Trustee, re: NRG Energy, Inc.’s 7.625% 
Senior Notes due 2018.

Fifty-Seventh  Supplemental  Indenture,  dated  November 8,  2011, 
among NRG Energy, Inc., the existing guarantors named therein, the 
guaranteeing  subsidiaries  named  therein  and  Law  Debenture  Trust 
Company of New York as Trustee, re: NRG Energy, Inc.’s 7.875% 
Senior Notes due 2021.

Sixtieth Supplemental Indenture, dated April 5, 2012, among NRG 
Energy, Inc., the existing guarantors named therein, the guaranteeing 
subsidiaries named therein and Law Debenture Trust Company of New 
York as Trustee, re: NRG Energy, Inc.’s 8.25% Senior Notes due 2020.

Sixty-First Supplemental Indenture, dated April 5, 2012, among NRG 
Energy, Inc., the existing guarantors named therein, the guaranteeing 
subsidiaries named therein and Law Debenture Trust Company of New 
York as Trustee, re:  NRG  Energy, Inc.’s 7.625%  Senior  Notes  due 
2018.

Sixty-Third Supplemental Indenture, dated April 5, 2012, among NRG 
Energy, Inc., the existing guarantors named therein, the guaranteeing 
subsidiaries named therein and Law Debenture Trust Company of New 
York as Trustee, re:  NRG  Energy, Inc.’s 7.875%  Senior  Notes  due 
2021.

Sixty-Sixth Supplemental Indenture, dated May 9, 2012, among NRG 
Energy, Inc., the existing guarantors named therein, the guaranteeing 
subsidiaries named therein and Law Debenture Trust Company of New 
York as Trustee, re: NRG Energy, Inc.’s 8.25% Senior Notes due 2020.

Sixty-Seventh  Supplemental  Indenture,  dated  May  9,  2012,  among 
NRG  Energy, Inc.,  the  existing  guarantors  named  therein,  the 
guaranteeing  subsidiaries  named  therein  and  Law  Debenture  Trust 
Company of New York as Trustee, re: NRG Energy, Inc.’s 7.625% 
Senior Notes due 2018.

Sixty-Ninth Supplemental Indenture, dated May 9, 2012, among NRG 
Energy, Inc., the existing guarantors named therein, the guaranteeing 
subsidiaries named therein and Law Debenture Trust Company of New 
York as Trustee, re:  NRG  Energy, Inc.’s 7.875%  Senior  Notes  due 
2021.

Seventieth Supplemental Indenture, dated September 24, 2012, among 
NRG  Energy, Inc.,  the  existing  guarantors  named  therein,  the 
guaranteeing  subsidiaries  named  therein  and  Law  Debenture  Trust 
Company of New York as Trustee, re: NRG Energy, Inc.’s 6.625% 
Senior Notes due 2023.

4.30

Form of 6.625% Senior Note due 2023.

4.31

4.32

4.33

Seventy-Second  Supplemental  Indenture,  dated  October  9,  2012, 
among NRG Energy, Inc., the existing guarantors named therein, the 
guaranteeing  subsidiaries  named  therein  and  Law  Debenture  Trust 
Company  of  New  York as  Trustee,  re:  NRG  Energy,  Inc.’s  8.25% 
Senior Notes due 2020.

Seventy-Third Supplemental Indenture, dated October 9, 2012, among 
NRG  Energy, Inc.,  the  existing  guarantors  named  therein,  the 
guaranteeing  subsidiaries  named  therein  and  Law  Debenture  Trust 
Company of New York as Trustee, re: NRG Energy, Inc.’s 7.625% 
Senior Notes due 2018.

Seventy-Fifth Supplemental Indenture, dated October 9, 2012, among 
NRG  Energy, Inc.,  the  existing  guarantors  named  therein,  the 
guaranteeing  subsidiaries  named  therein  and  Law  Debenture  Trust 
Company of New York as Trustee, re: NRG Energy, Inc.’s 7.875% 
Senior Notes due 2021.

Incorporated herein by reference to Exhibit 4.3 to the 
Registrant's  current  report  on  Form 8-K  filed  on 
November 8, 2011.

Incorporated herein by reference to Exhibit 4.4 to the 
Registrant's  current  report  on  Form 8-K  filed  on 
November 8, 2011.

Incorporated herein by reference to Exhibit 4.6 to the 
Registrant's  current  report  on  Form 8-K  filed  on 
November 8, 2011.

Incorporated herein by reference to Exhibit 4.3 to the 
Registrant's current report on Form 8-K filed on April 
6, 2012.

Incorporated herein by reference to Exhibit 4.4 to the 
Registrant's current report on Form 8-K filed on April 
6, 2012.

Incorporated herein by reference to Exhibit 4.6 to the 
Registrant's current report on Form 8-K filed on April 
6, 2012.

Incorporated herein by reference to Exhibit 4.3 to the 
Registrant's current report on Form 8-K filed on May 
11, 2012.

Incorporated herein by reference to Exhibit 4.4 to the 
Registrant's current report on Form 8-K filed on May 
11, 2012.

Incorporated herein by reference to Exhibit 4.6 to the 
Registrant's current report on Form 8-K filed on May 
11, 2012.

Incorporated herein by reference to Exhibit 4.1 to the 
Registrant's  current  report  on  Form 8-K  filed  on 
September 24, 2012.

Incorporated herein by reference to Exhibit 4.2 to the 
Registrant's  current  report  on  Form 8-K  filed  on 
September 24, 2012.

Incorporated herein by reference to Exhibit 4.2 to the 
Registrant's current report on Form 8-K filed on October 
12, 2012.

Incorporated herein by reference to Exhibit 4.3 to the 
Registrant's current report on Form 8-K filed on October 
12, 2012.

Incorporated herein by reference to Exhibit 4.5 to the 
Registrant's current report on Form 8-K filed on October 
12, 2012.

231

4.34

4.35

4.36

4.37

4.38

4.39

4.40

4.41

4.42

4.43

4.44

4.45

4.46

4.47

4.48

4.49

4.50

4.51

Seventy-Sixth Supplemental Indenture, dated October 9, 2012, among 
NRG  Energy, Inc.,  the  existing  guarantors  named  therein,  the 
guaranteeing  subsidiaries  named  therein  and  Law  Debenture  Trust 
Company of New York as Trustee, re: NRG Energy, Inc.’s 6.625% 
Senior Notes due 2023.

Senior Indenture, dated December 22, 2004, between Reliant Energy, 
Inc. and Wilmington Trust Company.

Fourth Supplemental Indenture, dated June 13, 2007, among Reliant 
Energy,  Inc.,  the  Guarantors  listed  therein  and  Wilmington  Trust 
Company as Trustee, re: GenOn Energy, Inc.’s 7.625% Senior Notes 
due 2014.

Fifth  Supplemental  Indenture,  dated  June  13,  2007,  among  Reliant 
Energy,  Inc.,  the  Guarantors  listed  therein  and  Wilmington  Trust 
Company as Trustee, re: GenOn Energy, Inc.’s 7.875% Senior Notes 
due 2017.

Indenture, dated May 1, 2001, between Mirant Americas Generation, 
Inc. and Bankers Trust Company as Trustee.

Incorporated herein by reference to Exhibit 4.6 to the 
Registrant's current report on Form 8-K filed on October 
12, 2012.

Incorporated  herein  by  reference  to  Exhibit  4.1  to 
GenOn Energy, Inc.’s current report on Form 8-K filed 
on December 27, 2004.

Incorporated  herein  by  reference  to  Exhibit  4.1  to 
GenOn Energy Inc.'s current report on Form 8-K filed 
on June 15, 2007.

Incorporated  herein  by  reference  to  Exhibit  4.2  to 
GenOn Energy Inc.'s current report on Form 8-K filed 
June 15, 2007.

Incorporated herein by reference to Exhibit 4.1 to Mirant 
Americas Generation, Inc.'s Registration Statement on 
Form S-4 filed on June 18, 2001.

Third Supplemental Indenture, dated May 1, 2001, between Mirant 
Americas Generation, Inc. and Bankers Trust Company as Trustee, re: 
GenOn Americas Generation, LLC’s 9.125% Senior Notes due 2031.

Incorporated herein by reference to Exhibit 4.4 to Mirant 
Americas Generation, Inc.'s Registration Statement on 
Form S-4 filed on June 18, 2001.

Fifth Supplemental Indenture, dated October 9, 2001, between Mirant 
Americas Generation, Inc. and Bankers Trust Company as Trustee, re: 
GenOn Americas Generation, LLC’s 8.5% Senior Notes due 2021.

Incorporated herein by reference to Exhibit 4.6 to Mirant 
Americas Generation, Inc.'s Registration Statement on 
Form S-4/A filed on May 7, 2002.

Sixth  Supplemental  Indenture,  dated  November  1,  2001,  between 
Mirant Americas Generation LLC and Bankers Trust Company, re: 
Indenture, dated May 1, 2001.

Incorporated herein by reference to Exhibit 4.6 to Mirant 
Corporation's  annual  report  on  Form  10-K  filed  on 
February 27, 2009.

Seventh  Supplemental  Indenture,  dated  January  3,  2006,  between 
Mirant Americas  Generation  LLC  and  Wells Fargo  Bank  National 
Association (as successor to Bankers Trust Company), re: Indenture, 
dated May 1, 2001.

Incorporated herein by reference to Exhibit 4.1 to Mirant 
Americas Generation, LLC's quarterly report on Form 
10-Q filed on May 14, 2007.

Senior Notes Indenture, dated October 4, 2010, by GenOn Escrow 
Corp. and Wilmington Trust Company as trustee, re: GenOn Energy, 
Inc.’s 9.5% Senior Notes due 2018 and 9.875% Senior Notes due 2020.

Incorporated  by  reference  to  Exhibit  4.4  to  Mirant 
Corporation's quarterly report on Form 10-Q filed on 
November 5, 2010.

Supplemental  Indenture,  dated  December  3,  2010,  by  and  among 
GenOn  Energy,  Inc.,  GenOn  Escrow  Corp.  and  Wilmington  Trust 
Company as trustee, re: GenOn Energy, Inc.’s 9.5% Senior Notes due 
2018 and 9.875% Senior Notes due 2020.

Seventy-Eighth Supplemental Indenture, dated as of January 3, 2013, 
among  NRG  Energy,  Inc.,  the  guarantors  named  therein  and  Law 
Debenture Trust Company of New York as trustee, re: NRG Energy, 
Inc.’s 8.25% Senior Notes due 2020.

Seventy-Ninth Supplemental Indenture, dated as of January 3, 2013, 
among  NRG  Energy,  Inc.,  the  guarantors  named  therein  and  Law 
Debenture Trust Company of New York as trustee, re: NRG Energy, 
Inc.’s 7.625% Senior Notes due 2018.

Eighty-First  Supplemental  Indenture,  dated  as  of  January  3,  2013, 
among  NRG  Energy,  Inc.,  the  guarantors  named  therein  and  Law 
Debenture Trust Company of New York as trustee, re: NRG Energy, 
Inc.’s 7.875% Senior Notes due 2021.

Eighty-Second Supplemental Indenture, dated as of January 3, 2013, 
among  NRG  Energy,  Inc.,  the  guarantors  named  therein  and  Law 
Debenture Trust Company of New York as trustee, re: NRG Energy, 
Inc.’s 6.625% Senior Notes due 2023.

Eighty-Fourth Supplemental Indenture, dated as of March 13, 2013, 
among  NRG  Energy,  Inc.,  the  guarantors  named  therein  and  Law 
Debenture Trust Company of New York as trustee, re: NRG Energy, 
Inc.’s 8.25% Senior Notes due 2020.

Eighty-Fifth  Supplemental  Indenture,  dated  as  of  March  13,  2013, 
among  NRG  Energy,  Inc.,  the  guarantors  named  therein  and  Law 
Debenture Trust Company of New York as trustee, re: NRG Energy, 
Inc.’s 7.625% Senior Notes due 2018.

Eighty-Seventh Supplemental Indenture, dated as of March 13, 2013, 
among  NRG  Energy,  Inc.,  the  guarantors  named  therein  and  Law 
Debenture Trust Company of New York as trustee, re: NRG Energy, 
Inc.’s 7.875% Senior Notes due 2021.

Incorporated  by  reference  to  Exhibit  4.2  to  GenOn 
Energy  Inc.'s  current  report  on  Form  8-K  filed  on 
December 7, 2010.

Incorporated herein by reference to Exhibit 4.2 to the 
Registrant’s current report on Form 8-K filed on January 
9, 2013.

Incorporated herein by reference to Exhibit 4.3 to the 
Registrant’s current report on Form 8-K filed on January 
9, 2013.

Incorporated herein by reference to Exhibit 4.5 to the 
Registrant’s current report on Form 8-K filed on January 
9, 2013.

Incorporated herein by reference to Exhibit 4.6 to the 
Registrant’s current report on Form 8-K filed on January 
9, 2013.

Incorporated herein by reference to Exhibit 4.2 to the 
Registrant’s current report on Form 8-K filed on March 
13, 2013.

Incorporated herein by reference to Exhibit 4.3 to the 
Registrant’s current report on Form 8-K filed on March 
13, 2013.

Incorporated herein by reference to Exhibit 4.5 to the 
Registrant’s current report on Form 8-K filed on March 
13, 2013.

232

4.52

4.53

4.54

4.55

4.56

4.57

4.58

4.59

4.60

4.61

4.62

4.63

4.64

4.65

4.66

4.67

Eighty-Eighth Supplemental Indenture, dated as of March 13, 2013, 
among  NRG  Energy,  Inc.,  the  guarantors  named  therein  and  Law 
Debenture Trust Company of New York as trustee, re: NRG Energy, 
Inc.’s 6.625% Senior Notes due 2023.

Incorporated herein by reference to Exhibit 4.6 to the 
Registrant’s current report on Form 8-K filed on March 
13, 2013.

Eighty-Ninth Supplemental Indenture, dated as of March 13, 2013, 
among  NRG  Energy,  Inc.,  the  guarantors  named  therein  and  Law 
Debenture Trust Company of New York.

Incorporated herein by reference to Exhibit 4.7 to the 
Registrant’s current report on Form 8-K filed on March 
13, 2013.

Ninety-First Supplemental Indenture, dated as of May 2, 2013, among 
NRG Energy, Inc., the guarantors named therein and Law Debenture 
Trust Company of New York as trustee, re: NRG Energy, Inc.’s 8.25% 
Senior Notes due 2020.

Ninety-Second  Supplemental  Indenture,  dated  as  of  May  2,  2013, 
among  NRG  Energy,  Inc.,  the  guarantors  named  therein  and  Law 
Debenture Trust Company of New York as trustee, re: NRG Energy, 
Inc.’s 7.625% Senior Notes due 2018.

Ninety-Fourth  Supplemental  Indenture,  dated  as  of  May  2,  2013, 
among  NRG  Energy,  Inc.,  the  guarantors  named  therein  and  Law 
Debenture Trust Company of New York as trustee, re: NRG Energy, 
Inc.’s 7.875% Senior Notes due 2021.

Ninety-Fifth Supplemental Indenture, dated as of May 2, 2013, among 
NRG Energy, Inc., the guarantors named therein and Law Debenture 
Trust Company of New York as trustee, re: NRG Energy, Inc.’s 6.625% 
Senior Notes due 2023.

Ninety-Seventh  Supplemental  Indenture,  dated  as  of  September  4, 
2013,  among  NRG  Energy, Inc.,  the  guarantors  named  therein  and 
Law  Debenture  Trust  Company  of  New  York  as  trustee,  re:  NRG 
Energy, Inc.’s 8.25% Senior Notes due 2020.

Ninety-Eighth Supplemental Indenture, dated as of September 4, 2013, 
among  NRG  Energy,  Inc.,  the  guarantors  named  therein  and  Law 
Debenture Trust Company of New York as trustee, re: NRG Energy, 
Inc.’s 7.625% Senior Notes due 2018

One  Hundredth  Supplemental  Indenture,  dated  as  of  September  4, 
2013,  among  NRG  Energy, Inc.,  the  guarantors  named  therein  and 
Law  Debenture  Trust  Company  of  New  York  as  trustee,  re:  NRG 
Energy, Inc.’s 7.875% Senior Notes due 2021.

One Hundred-First Supplemental Indenture, dated as of September 4, 
2013,  among  NRG  Energy, Inc.,  the  guarantors  named  therein  and 
Law  Debenture  Trust  Company  of  New  York  as  trustee,  re:  NRG 
Energy, Inc.’s 6.625% Senior Notes due 2023.

One Hundred-Third Supplemental Indenture, dated as of October 7, 
2013,  among  NRG  Energy, Inc.,  the  guarantors  named  therein  and 
Law  Debenture  Trust  Company  of  New  York  as  trustee,  re:  NRG 
Energy, Inc.’s 8.25% Senior Notes due 2020.

One Hundred-Fourth Supplemental Indenture, dated as of October 7, 
2013,  among  NRG  Energy, Inc.,  the  guarantors  named  therein  and 
Law  Debenture  Trust  Company  of  New  York  as  trustee,  re:  NRG 
Energy, Inc.’s 7.625% Senior Notes due 2018.

One Hundred-Sixth Supplemental Indenture, dated as of October 7, 
2013,  among  NRG  Energy, Inc.,  the  guarantors  named  therein  and 
Law  Debenture  Trust  Company  of  New  York  as  trustee,  re:  NRG 
Energy, Inc.’s 7.875% Senior Notes due 2021.

One Hundred-Seventh Supplemental Indenture, dated as of October 
7, 2013, among NRG Energy, Inc., the guarantors named therein and 
Law  Debenture  Trust  Company  of  New  York  as  trustee,  re:  NRG 
Energy, Inc.’s 6.625% Senior Notes due 2023.

One  Hundred-Eighth  Supplemental 
Indenture,  dated  as  of 
November 13, 2013, among NRG Energy, Inc., the guarantors named 
therein and Law Debenture Trust Company of New York as trustee, 
re: NRG Energy, Inc.’s 8.5% Senior Notes due 2019, 8.25% Senior 
Notes due 2020, 7.625% Senior Notes due 2018, 7.625% Senior Notes 
due 2019, 7.875% Senior Notes due 2021 and 6.625% Senior Notes 
due 2023.

One Hundred-Ninth Supplemental Indenture, dated as of January 27, 
2014,  among  NRG  Energy,  Inc.,  the  guarantors  named  therein  and 
Law  Debenture Trust  Company  of  New York  as Trustee,  re:  NRG 
Energy's 6.25% Senior Notes due 2022.

Incorporated herein by reference to Exhibit 4.2 to the 
Registrant’s current report on Form 8-K filed on May 3, 
2013.

Incorporated herein by reference to Exhibit 4.3 to the 
Registrant’s current report on Form 8-K filed on May 3, 
2013.

Incorporated herein by reference to Exhibit 4.5 to the 
Registrant’s current report on Form 8-K filed on May 3, 
2013.

Incorporated herein by reference to Exhibit 4.6 to the 
Registrant’s current report on Form 8-K filed on May 3, 
2013.

Incorporated herein by reference to Exhibit 4.2 to the 
Registrant’s  current  report  on  Form  8-K  filed  on 
September 6, 2013.

Incorporated herein by reference to Exhibit 4.3 to the 
Registrant’s  current  report  on  Form  8-K  filed  on 
September 6, 2013.

Incorporated herein by reference to Exhibit 4.5 to the 
Registrant’s  current  report  on  Form  8-K  filed  on 
September 6, 2013.

Incorporated herein by reference to Exhibit 4.6 to the 
Registrant’s  current  report  on  Form  8-K  filed  on 
September 6, 2013.

Incorporated herein by reference to Exhibit 4.2 to the 
Registrant’s current report on Form 8-K filed on October 
8, 2013.

Incorporated herein by reference to Exhibit 4.3 to the 
Registrant’s current report on Form 8-K filed on October 
8, 2013.

Incorporated herein by reference to Exhibit 4.5 to the 
Registrant’s current report on Form 8-K filed on October 
8, 2013.

Incorporated herein by reference to Exhibit 4.6 to the 
Registrant’s current report on Form 8-K filed on October 
8, 2013.

Incorporated herein by reference to Exhibit 4.1 to the 
Registrant’s  current  report  on  Form  8-K  filed  on 
November 13, 2013.

Incorporated herein by reference to Exhibit 4.1 to the 
Company's  Current  Report  on  Form  8-K  filed  on 
January 27, 2014.

233

4.69

4.70

4.71

4.73

4.74

4.75

4.76

4.77

4.78

4.79

4.80

4.81

4.82

4.68

Form of 6.25% Senior Note due 2022.

Registration Rights Agreement, dated January 27, 2014, among NRG 
Energy, Inc., the guarantors named therein and Barclays Capital Inc., 
Deutsche  Bank  Securities  Inc.,  Goldman,  Sachs  &  Co.,  Morgan 
Stanley & Co. LLC, Credit Agricole Securities (USA) Inc., Natixis 
Securities Americas LLC and RBC Capital Markets, LLC, as initial 
purchasers.

One Hundred-Tenth Supplemental Indenture, dated as of March 24, 
2014,  among  NRG  Energy,  Inc.,  the  guarantors  named  therein  and 
Law  Debenture  Trust  Company  of  New  York as  trustee,  re:  NRG 
Energy, Inc.'s 8.5% Senior Notes due 2019, 8.25% Senior Notes due 
2020, 7.625% Senior Notes due 2018, 7.625% Senior Notes due 2019, 
7.875% Senior Notes due 2021, 6.625% Senior Notes due 2023 and 
6.25% Senior Notes due 2022.

Incorporated herein by reference to Exhibit 4.2 to the 
Company's  Current  Report  on  Form  8-K  filed  on 
January 27, 2014.

Incorporated herein by reference to Exhibit 4.3 to the 
Company's  Current  Report  on  Form  8-K  filed  on 
January 27, 2014.

Incorporated herein by reference to Exhibit 4.1 to the 
Company's Current Report on Form 8-K filed on March 
28, 2014.

Indenture, dated as of April 21, 2014, among NRG Energy, Inc., the 
guarantors named therein and Law Debenture Trust Company of New 
York as Trustee, re: NRG Energy, Inc.'s 6.25% Senior Notes due 2024.

Incorporated herein by reference to Exhibit 4.1 to the 
Company's Current Report on Form 8-K filed on April 
21, 2014.

4.72

Form of 6.25% Senior Note due 2024.

Registration Rights Agreement, dated April 21, 2014, among NRG 
Energy,  Inc.,  the  guarantors  named  therein  and  Citigroup  Global 
Markets Inc., Merrill Lynch, Pierce, Fenner & Smith Incorporated, 
Credit  Suisse  Securities  (USA),  Inc.,  J.P. Morgan  Securities  LLC, 
Mitsubishi  UFJ  Securities  (USA),  Inc.,  SMBC  Nikko  Securities 
America, Inc. and RBS Securities Inc.

One Hundred-Eleventh Supplemental Indenture, dated as of April 28, 
2014,  among  NRG  Energy, Inc.,  the  guarantors  named  therein  and 
Law  Debenture  Trust  Company  of  New  York  as  trustee,  re:  NRG 
Energy, Inc.'s 8.5% Senior Notes due 2019, 8.25% Senior Notes due 
2020, 7.625% Senior Notes due 2018, 7.625% Senior Notes due 2019, 
7.875% Senior Notes due 2021, 6.625% Senior Notes due 2023 and 
6.25% Senior Notes due 2022.

First Supplemental Indenture, dated as of May 2, 2014, among NRG 
Energy, Inc., the guarantors named therein and Law Debenture Trust 
Company of New York as trustee, re: NRG Energy, Inc.'s 6.25% Senior 
Notes due 2024.

Incorporated herein by reference to Exhibit 4.2 to the 
Company's Current Report on Form 8-K filed on April 
21, 2014.

Incorporated herein by reference to Exhibit 4.3 to the 
Company's Current Report on Form 8-K filed on April 
21, 2014.

Incorporated herein by reference to Exhibit 4.1 to the 
Company's Current Report on Form 8-K filed on May 
2, 2014.

Incorporated herein by reference to Exhibit 4.2 to the 
Company's Current Report on Form 8-K filed on May 
2, 2014.

One Hundred-Twelfth Supplemental Indenture, dated as of October 3, 
2014,  among  NRG  Energy, Inc.,  the  guarantors  named  therein  and 
Law Debenture Trust Company of New York.

Incorporated herein by reference to Exhibit 4.1 to the 
Company's  Current  Report  on  Form  8-K  filed  on 
October 3, 2014.

Second Supplemental Indenture, dated as of October 3, 2014, among 
NRG Energy, Inc., the guarantors named therein and Law Debenture 
Trust Company of New York as trustee, re: NRG Energy, Inc.'s 6.25% 
Senior Notes due 2024.

One  Hundred-Thirteenth  Supplemental  Indenture,  dated  as  of 
November 12, 2014, among NRG Energy, Inc., the guarantors named 
therein and Law Debenture Trust Company of New York as trustee, 
re: NRG Energy,  Inc.'s 8.25% Senior Notes due 2020, 7.625% Senior 
Notes due 2018, 7.875% Senior Notes due 2021, 6.625% Senior Notes 
due 2023 and 6.25% Senior Notes due 2022.

Incorporated herein by reference to Exhibit 4.2 to the 
Company's  Current  Report  on  Form  8-K  filed  on 
October 3, 2014.

Incorporated herein by reference to Exhibit 4.1 to the 
Company's  Current  Report  on  Form  8-K  filed  on 
November 14, 2014.

Third Supplemental Indenture, dated as of November 12, 2014, among 
NRG Energy, Inc., the guarantors named therein and Law Debenture 
Trust Company of New York.

Incorporated herein by reference to Exhibit 4.2 to the 
Company's  Current  Report  on  Form  8-K  filed  on 
November 14, 2014.

One  Hundred-Fourteenth  Supplemental  Indenture,  dated  as  of 
November 24, 2014, among NRG Energy, Inc., the guarantors named 
therein and Law Debenture Trust Company of New York, as trustee, 
re: NRG Energy,  Inc.'s 8.25% Senior Notes due 2020, 7.625% Senior 
Notes due 2018, 7.875% Senior Notes due 2021, 6.625% Senior Notes 
due 2023 and 6.25% Senior Notes due 2022.

Fourth  Supplemental  Indenture,  dated  as  of  November 24,  2014, 
among  NRG  Energy, Inc.,  the  guarantors  named  therein  and  Law 
Debenture  Trust  Company  of  New  York,  as  trustee,  re:  NRG 
Energy, Inc.'s 6.25% Senior Notes due 2024.

Incorporated herein by reference to Exhibit 4.1 to the 
Registrant's  current  report  on  Form 8-K  filed  on 
November 25, 2014.

Incorporated herein by reference to Exhibit 4.2 to the 
Registrant's  current  report  on  Form 8-K  filed  on 
November 25, 2014.

One Hundred-Fifteenth Supplemental Indenture, dated as of April 8, 
2015,  among  NRG  Energy,  Inc.,  the  guarantors  named  therein  and 
Law Debenture Trust Company of New York.

Incorporated herein by reference to Exhibit 4.1 to the 
Company's current report on Form 8-K filed on April 9, 
2015.

234

4.83

4.84

4.85

4.86

4.87

4.88

4.89

10.1

10.2

10.3*

10.4*

10.5*

10.6*

10.7*

10.8*

10.9

10.10

10.11

10.12

10.13

Fifth Supplemental Indenture, dated as of April 8, 2015, among NRG 
Energy, Inc., the guarantors named therein and Law Debenture Trust 
Company of New York.

Incorporated herein by reference to Exhibit 4.2 to the 
Company's current report on Form 8-K filed on April 9, 
2015.

One Hundred-Sixteenth Supplemental Indenture, dated as of April 29, 
2015,  among  NRG  Energy, Inc.,  the  guarantors  named  therein  and 
Law Debenture Trust Company of New York.

Incorporated herein by reference to Exhibit 4.1 to the 
Company's current report on Form 8-K filed on April 
30, 2015.

Sixth Supplemental Indenture, dated as of April 29, 2015, among NRG 
Energy, Inc., the guarantors named therein and Law Debenture Trust 
Company of New York.

Incorporated herein by reference to Exhibit 4.2 to the 
Company's current report on Form 8-K filed on April 
30, 2015.

One Hundred-Seventeenth Supplemental Indenture, dated as of May 
22, 2015, among NRG Energy, Inc., the guarantors named therein and 
Law Debenture Trust Company of New York.

Incorporated herein by reference to Exhibit 4.1 to the 
Company's current report on Form 8-K filed on May 22, 
2015. 

Seventh Supplemental Indenture, dated as of May 22, 2015, among 
NRG Energy, Inc., the guarantors named therein and Law Debenture 
Trust Company of New York.

Incorporated herein by reference to Exhibit 4.2 to the 
Company's current report on Form 8-K filed on May 22, 
2015. 

One Hundred-Eighteenth Supplemental Indenture, dated as of October 
28, 2015, among NRG Energy, Inc., the guarantors named therein and 
Law Debenture Trust Company of New York.

Incorporated herein by reference to Exhibit 4.1 to the 
Company's  current  report  on  Form  8-K  filed  on 
November 2, 2015.

Eighth Supplemental Indenture, dated as of October 28, 2015, among 
NRG Energy, Inc., the guarantors named therein and Law Debenture 
Trust Company of New York. 

Incorporated herein by reference to Exhibit 4.2 to the 
Company's  current  report  on  Form  8-K  filed  on 
November 2, 2015.

Note Agreement, dated August 20, 1993, between NRG Energy, Inc., 
Energy Center, Inc. and each of the purchasers named therein.

Master Shelf and Revolving Credit Agreement, dated August 20, 1993, 
between  NRG  Energy,  Inc.,  Energy  Center,  Inc.,  The  Prudential 
Insurance Registrants of America and each Prudential Affiliate, which 
becomes party thereto.

Form of NRG Energy Inc. Long-Term Incentive Plan Deferred Stock 
Unit Agreement for Officers and Key Management.

Form of NRG Energy, Inc. Long-Term Incentive Plan Deferred Stock 
Unit Agreement for Directors.

Form of NRG Energy, Inc. Long-Term Incentive Plan Non-Qualified 
Stock Option Agreement.

Form of NRG Energy, Inc. Long-Term Incentive Plan Restricted Stock 
Unit Agreement.

Form of NRG Energy, Inc. Long Term Incentive Plan Performance 
Stock Unit Agreement.

Second Amended and Restated Annual Incentive Plan for Designated 
Corporate Officers.

Incorporated herein by reference to Exhibit 10.5 to the 
Registrant's  Registration  Statement  on  Form S-1,  as 
amended, Registration No. 333-33397.

Incorporated herein by reference to Exhibit 10.4 to the 
Registrant's  Registration  Statement  on  Form S-1,  as 
amended, Registration No. 333-33397.

Incorporated herein by reference to Exhibit 10.14 to the 
Registrant's annual report on Form 10-K filed on March 
30, 2005.

Incorporated herein by reference to Exhibit 10.15 to the 
Registrant's annual report on Form 10-K filed on March 
30, 2005.

Incorporated herein by reference to Exhibit 10.1 to the 
Registrant's  quarterly  report  on  Form 10-Q  filed  on 
November 9, 2004.

Incorporated herein by reference to Exhibit 10.2 to the 
Registrant's  quarterly  report  on  Form 10-Q  filed  on 
November 9, 2004.

Incorporated herein by reference to Exhibit 10.7 to the 
Registrant's  annual  report  on  Form 10-K  filed  on 
February 23, 2010.

Incorporated herein by reference to Exhibit 10.1 to the 
Registrant's current report on Form 8-K filed on May 7, 
2015.

Railroad  Car  Full  Service  Master  Leasing Agreement,  dated  as  of 
February 18,  2005,  between  General  Electric  Railcar  Services 
Corporation and NRG Power Marketing Inc.

Incorporated herein by reference to Exhibit 10.28 to the 
Registrant's  annual  report  on  Form 10-K  filed  on 
March 30, 2005.

Purchase Agreement (West Coast Power) dated as of December 27, 
2005, by and among NRG Energy, Inc., NRG West Coast LLC (Buyer), 
DPC II Inc. (Seller) and Dynegy, Inc.

Incorporated herein by reference to Exhibit 10.1 to the 
Registrant's  current  report  on  Form 8-K  filed  on 
December 28, 2005.

Purchase Agreement (Rocky Road Power), dated as of December 27, 
2005,  by  and  among  Termo  Santander  Holding,  L.L.C.(Buyer), 
Dynegy, Inc., NRG Rocky Road LLC (Seller) and NRG Energy, Inc.

Incorporated herein by reference to Exhibit 10.2 to the 
Registrant's  current  report  on  Form 8-K  filed  on 
December 28, 2005.

Stock  Purchase  Agreement,  dated  as  of  August 10,  2005,  by  and 
between  NRG  Energy, Inc.  and  Credit  Suisse  First  Boston  Capital 
LLC.

Incorporated herein by reference to Exhibit 10.1 to the 
Registrant's current report on Form 8-K filed on August 
11, 2005.

Agreement  with  respect  to  the  Stock  Purchase  Agreement,  dated 
December 19,  2008,  by  and  between  NRG  Energy, Inc.  and  Credit 
Suisse First Boston Capital LLC.

Incorporated herein by reference to Exhibit 10.13 to the 
Registrant's  annual  report  on  Form 10-K  filed  on 
February 12, 2009.

235

10.14

10.15†

10.16*

10.17*

10.18*

10.19

10.20

10.21

10.22

10.23

10.24

10.25

10.26

10.27

10.28

10.29

10.30

10.31

Investor  Rights  Agreement,  dated  as  of  February 2,  2006,  by  and 
among NRG Energy, Inc. and Certain Stockholders of NRG Energy, 
Inc. set forth therein.

Incorporated herein by reference to Exhibit 10.1 to the 
Registrant's  current  report  on  Form 8-K  filed  on 
February 8, 2006.

Terms and Conditions of Sale, dated as of October 5, 2005, between 
Texas  Genco II  LP  and  Freight  Car  America,  Inc.,  (including  the 
Proposal Letter and Amendment thereto).

Incorporated herein by reference to Exhibit 10.32 to the 
Registrant's annual report on Form 10-K filed on March 
7, 2006.

Amended and Restated Employment Agreement, dated December 4, 
2008, between NRG Energy, Inc. and David Crane.

Incorporated herein by reference to Exhibit 10.16 to the 
Registrant's  annual  report  on  Form 10-K  filed  on 
February 12, 2009.

Amendment  2014-1  to  the  Amended  and  Restated  Employment 
Agreement  between  NRG  Energy,  Inc.  and  David  Crane,  dated 
December 4, 2014.

Incorporated herein by reference to Exhibit 10.1 to the 
Registrant's  current  report  on  Form  8-K  filed  on 
December 10, 2014.

General Release, dated January 4, 2016, between NRG Energy, Inc. 
and David Crane.

Limited  Liability  Company  Agreement  of  NRG  Common  Stock 
Finance I LLC.

Incorporated herein by reference to Exhibit 10.2 to the 
Registrant's  current  report  on  Form 8-K/A  filed  on 
January 8, 2016.

Incorporated herein by reference to Exhibit 10.1 to the 
Registrant's current report on Form 8-K filed on August 
10, 2006.

Note  Purchase  Agreement,  dated  August 4,  2006,  between  NRG 
Common Stock Finance I LLC, Credit Suisse International and Credit 
Suisse Securities (USA) LLC.

Incorporated herein by reference to Exhibit 10.3 to the 
Registrant's current report on Form 8-K filed on August 
10, 2006.

Amendment  Agreement,  dated  February 27,  2008,  to  the  Note 
Purchase Agreement by and among NRG Common Stock Finance I 
LLC, Credit Suisse International, and Credit Suisse Securities (USA) 
LLC.

Amendment  Agreement,  dated  December 19,  2008,  to  the  Note 
Purchase Agreement by and among NRG Common Stock Finance I 
LLC, Credit Suisse International, and Credit Suisse Securities (USA) 
LLC.

Amendment  Agreement,  dated  December 19,  2008,  to  the  Note 
Purchase Agreement by and among NRG Common Stock Finance II 
LLC, Credit Suisse International, and Credit Suisse Securities (USA) 
LLC.

Agreement  with  respect  to  Note  Purchase  Agreement,  dated 
December 19, 2008, by and among NRG Common Stock Finance I 
LLC, NRG Energy, Inc., Credit Suisse International, and Credit Suisse 
Securities (USA) LLC.

Agreement  with  respect  to  Note  Purchase  Agreement,  dated 
December 19, 2008, by and among NRG Common Stock Finance II 
LLC, NRG Energy, Inc., Credit Suisse International, and Credit Suisse 
Securities (USA) LLC.

Incorporated herein by reference to Exhibit 10.5 to the 
Registrant's quarterly report on Form 10-Q filed on May 
1, 2008.

Incorporated herein by reference to Exhibit 10.23 to the 
Registrant's  annual  report  on  Form 10-K  filed  on 
February 12, 2009.

Incorporated herein by reference to Exhibit 10.26 to the 
Registrant's  annual  report  on  Form 10-K  filed  on 
February 12, 2009.

Incorporated herein by reference to Exhibit 10.24 to the 
Registrant's  annual  report  on  Form 10-K  filed  on 
February 12, 2009.

Incorporated herein by reference to Exhibit 10.27 to the 
Registrant's  annual  report  on  Form 10-K  filed  on 
February 12, 2009.

Preferred  Interest  Purchase  Agreement,  dated  August 4,  2006, 
between NRG Common Stock Finance I LLC, Credit Suisse Capital 
LLC and Credit Suisse Securities (USA) LLC, as agent.

Incorporated herein by reference to Exhibit 10.5 to the 
Registrant's current report on Form 8-K filed on August 
10, 2006.

Preferred Interest Amendment Agreement, dated February 27, 2008, 
by and among NRG Common Stock Finance I LLC, Credit Suisse 
Capital LLC, and Credit Suisse Securities (USA) LLC.

Incorporated herein by reference to Exhibit 10.6 to the 
Registrant's quarterly report on Form 10-Q filed on May 
1, 2008.

Preferred Interest Amendment Agreement, dated December 19, 2008, 
by and among NRG Common Stock Finance I LLC, Credit Suisse 
International, and Credit Suisse Securities (USA) LLC.

Incorporated herein by reference to Exhibit 10.31 to the 
Registrant's  annual  report  on  Form 10-K  filed  on 
February 12, 2009.

Preferred Interest Amendment Agreement, dated December 19, 2008, 
by and among NRG Common Stock Finance II LLC, Credit Suisse 
Capital LLC, and Credit Suisse Securities (USA) LLC.

Incorporated herein by reference to Exhibit 10.34 to the 
Registrant's  annual  report  on  Form 10-K  filed  on 
February 12, 2009.

Agreement  with  respect  to  Preferred  Interest  Purchase Agreement, 
dated  December 19,  2008,  by  and  among  NRG  Common  Stock 
Finance I LLC, NRG Energy, Inc., Credit Suisse Capital LLC, and 
Credit Suisse Securities (USA) LLC.

Agreement  with  respect  to  Preferred  Interest  Purchase Agreement, 
dated  December 19,  2008,  by  and  among  NRG  Common  Stock 
Finance II LLC, NRG Energy, Inc., Credit Suisse Capital LLC, and 
Credit Suisse Securities (USA) LLC.

Incorporated herein by reference to Exhibit 10.32 to the 
Registrant's  annual  report  on  Form 10-K  filed  on 
February 12, 2009.

Incorporated herein by reference to Exhibit 10.35 to the 
Registrant's  annual  report  on  Form 10-K  filed  on 
February 12, 2009.

10.32*

NRG  Energy,  Inc.  Executive  Change-in-Control  and  General 
Severance Agreement, dated December 9, 2008.

Incorporated herein by reference to Exhibit 10.40 to the 
Registrant's  annual  report  on  Form 10-K  filed  on 
February 12, 2009.

236

10.33†

10.34†

10.35†

10.36†

10.37†

10.38

Amended  and  Restated  Contribution  Agreement  (NRG),  dated 
March 25,  2008,  by  and  among Texas Genco  Holdings,  Inc.,  NRG 
South Texas LP and NRG Nuclear Development Company LLC and 
Certain Subsidiaries Thereof.

Incorporated herein by reference to Exhibit 10.1 to the 
Registrant's quarterly report on Form 10-Q filed on May 
1, 2008.

Contribution Agreement (Toshiba), dated February 29, 2008, by and 
between  Toshiba  Corporation  and  NRG  Nuclear  Development 
Company LLC.

Incorporated herein by reference to Exhibit 10.2 to the 
Registrant's quarterly report on Form 10-Q filed on May 
1, 2008.

Multi-Unit  Agreement,  dated  February 29,  2008,  by  and  among 
Toshiba Corporation, NRG Nuclear Development Company LLC and 
NRG Energy, Inc.

Incorporated herein by reference to Exhibit 10.3 to the 
Registrant's quarterly report on Form 10-Q filed on May 
1, 2008.

Amended and Restated Operating Agreement of Nuclear Innovation 
North America LLC, dated May 1, 2008.

LLC  Membership  Interest  Purchase  Agreement  between  Reliant 
Energy, Inc. and NRG Retail LLC, dated as of February 28, 2009.

Project Agreement, Settlement Agreement and Mutual Release, dated 
March 1, 2010, by and among by and among Nuclear Innovation North 
America LLC, the City of San Antonio acting by and through the City 
Public Service Board of San Antonio, a Texas municipal utility, NINA 
Texas 3 LLC and NINA Texas 4 LLC, and solely for purposes of certain 
sections of the Settlement Agreement, by NRG Energy, Inc and NRG 
South Texas LP.

Incorporated herein by reference to Exhibit 10.4 to the 
Registrant's quarterly report on Form 10-Q filed on May 
1, 2008.

Incorporated herein by reference to Exhibit 10.1 to the 
Registrant's  quarterly  report  on  Form 10-Q  filed  on 
April 30, 2009.

Incorporated herein by reference to Exhibit 10.1 to the 
Registrant's  current  report  on  Form  8-K  filed  on 
March 2, 2010.

10.39†

STP 3 & 4 Owners Agreement, dated March 1, 2010, by and among 
Nuclear  Innovation  North America LLC,  the  City  of  San Antonio, 
NINA Texas 3 LLC and NINA Texas 4 LLC.

Incorporated herein by reference to Exhibit 10.2 to the 
Registrant's  current  report  on  Form  8-K  filed  on 
March 2, 2010.

10.40*

2009 Executive Change-in-Control and General Severance Plan.

Incorporated herein by reference to Exhibit 10.2 to the 
Registrant's current report on Form 8-K filed on April 
1, 2010.

10.41†

10.42†

10.43(a)

10.43(b)

10.44*

10.45

Investment and Option Agreement by and among NINA Investments 
Holdings LLC, Nuclear Innovation North America LLC and TEPCO 
Nuclear Energy America LLC, dated as of May 10, 2010.

Incorporated herein by reference to Exhibit 10.3 to the 
Registrant's  quarterly  report  on  Form  10-Q  filed  on 
August 2, 2010.

Parent Company Agreement by and among NRG Energy, Inc., Nuclear 
Innovation North America LLC, The Tokyo Electric Power Company 
and TEPCO Nuclear Energy America LLC, dated as of May 10, 2010.

Incorporated herein by reference to Exhibit 10.4 to the 
Registrant's  quarterly  report  on  Form  10-Q  filed  on 
August 2, 2010.

Letter of Credit and Reimbursement Agreement, dated as of June 30, 
2010, by and among NRG LC Facility Company LLC, NRG Energy, 
Inc. and Citibank, N.A.

Incorporated herein by reference to Exhibit 10.2(a) the 
Registrant's current report on Form 8-K filed on July 1, 
2010.

Letter of Credit and Reimbursement Agreement, dated as of June 30, 
2010, by and among NRG LC Facility Company LLC, NRG Energy, 
Inc. and Deutsche Bank AG, New York Bank.

Incorporated herein by reference to Exhibit 10.2(b) to 
the Registrant's current report on Form 8-K filed on July 
1, 2010.

The NRG Energy, Inc. Amended and Restated Long-Term Incentive 
Plan.

Amended and Restated Credit Agreement, dated July 1, 2011, by and 
among  NRG  Energy,  Inc.,  the  lenders  party  thereto,  the  joint  lead 
bookrunners  and  joint  lead  arrangers  party  thereto,  Citicorp  North 
America,  Inc.,  Morgan  Stanley  Senior  Funding,  Inc.  and  the 
documentation agents party thereto.

Incorporated herein by reference to Exhibit 10.1 to the 
Registrant's  current  report  on  Form  8-K  filed  on 
August 3, 2010.

Incorporated herein by reference to Exhibit 10.1 to the 
Registrant's current report on Form 8-K filed on July 5, 
2011.

10.46*

Form of Market Stock Unit Grant Agreement.

10.47

Registration  Rights Agreement,  dated  September  24,  2012,  among 
NRG Energy, Inc., the guarantors named therein and Deutsche Bank 
Securities Inc., Merrill, Lynch, Pierce, Fenner & Smith Incorporated, 
Barclays Capital Inc., Citigroup Global Markets Inc., Credit Suisse 
Securities (USA) LLC, Goldman, Sachs & Co., J.P. Morgan Securities 
LLC, Morgan Stanley & Co. LLC and RBS Securities Inc., as initial 
purchasers.

10.48*

NRG 2010 Stock Plan for GenOn Employees.

10.49

Revolving Credit Agreement among GenOn Energy, Inc., as Borrower, 
GenOn Americas, Inc., as Borrower, the several lenders from time to 
time parties thereto, and NRG Energy, Inc., as Administrative Agent, 
dated as of December 14, 2012.

Incorporated herein by reference to Exhibit 10.1 to the 
Registrant's  current  report  on  Form 8-K/A  filed  on 
September 12, 2011.

Incorporated herein by reference to Exhibit 10.1 to the 
Registrant's  current  report  on  Form 8-K  filed  on 
September 24, 2012.

Incorporated herein by reference to Exhibit 10.49 to the 
Registrant’s  annual  report  on  Form  10-K  filed  on 
February 27, 2013.

Incorporated herein by reference to Exhibit 10.50 to the 
Registrant’s  annual  report  on  Form  10-K  filed  on 
February 27, 2013.

237

10.50

10.51

10.52*

10.53*

10.55

10.56

12.1

12.2

21.1

23.1

31.1

31.2

31.3

32

First Amendment Agreement, dated  as  of  February  6,  2013,  to  the 
Amended and Restated Credit Agreement and the Second Amended 
and Restated Collateral Trust Agreement.

Incorporated herein by reference to Exhibit 10.1 to the 
Registrant’s quarterly report on Form 10-Q filed on May 
7, 2013.

Second  Amendment Agreement,  dated  as  of  June  4,  2013,  to  the 
Amended and Restated Credit Agreement, the Second Amended and 
Restated Collateral Trust Agreement and the Amended and Restated 
Guarantee and Collateral Agreement.

NRG  Energy,  Inc.  Long-Term  Incentive  Plan  Market  Stock  Unit 
Agreement.

NRG Energy, Inc. 2010 Stock Plan For GenOn Employees Market 
Stock Unit Agreement

10.54*

Amended and Restated Employee Stock Purchase Plan.

Incorporated herein by reference to Exhibit 10.1 to the 
Registrant’s current report on Form 8-K filed on June 
10, 2013.

Incorporated herein by reference to Exhibit 10.53 to the 
Registrant's  annual  report  on  Form  10-K  filed  on 
February 28, 2014.

Incorporated herein by reference to Exhibit 10.54 to the 
Registrant's  annual  report  on  Form  10-K  filed  on 
February 28, 2014.

Incorporated herein by reference to Exhibit 10.1 to the 
Registrant's  quarterly  report  on  Form  10-Q  filed  on 
August 7, 2014.

Amendment  Agreement,  dated  as  of  December  23,  2014,  by  and 
between  NRG  Energy, Inc.  and  Credit  Suisse  First  Boston  Capital 
LLC.

Incorporated herein by reference to Exhibit 10.1 to the 
Registrant's  current  report  on  Form  8-K  filed  on 
December 30, 2014.

Employment Agreement, dated December 21, 2015, by and between 
NRG Energy, Inc. and Mauricio Gutierrez

Incorporated herein by reference to Exhibit 10.1 to the 
Registrant's  current  report  on  Form  8-K  filed  on 
December 24, 2015.

NRG Energy, Inc. Computation of Ratio of Earnings to Fixed Charges.

Filed herewith.

NRG Energy, Inc. Computation of Ratio of Earnings to Fixed Charges 
and Preferred Stock Dividend Requirements.

Filed herewith.

Subsidiaries of NRG Energy, Inc.

Consent of KPMG LLP.

Rule 13a-14(a)/15d-14(a) certification of Mauricio Gutierrez

Rule 13a-14(a)/15d-14(a) certification of Kirkland B. Andrews.

Rule 13a-14(a)/15d-14(a) certification of David Callen.

Section 1350 Certification.

101 INS

XBRL Instance Document.

101 SCH

XBRL Taxonomy Extension Schema.

101 CAL

XBRL Taxonomy Extension Calculation Linkbase.

101 DEF

XBRL Taxonomy Extension Definition Linkbase.

101 LAB

XBRL Taxonomy Extension Label Linkbase.

101 PRE

XBRL Taxonomy Extension Presentation Linkbase.

Filed herewith.

Filed herewith.

Filed herewith.

Filed herewith.

Filed herewith.

Filed herewith.

Filed herewith.

Filed herewith.

Filed herewith.

Filed herewith.

Filed herewith.

Filed herewith.

*

†

Exhibit relates to compensation arrangements.

Portions of this exhibit have been redacted and are subject to a confidential treatment request filed with the Secretary of the Securities 
and Exchange Commission pursuant to Rule 24b-2 under the Securities Exchange Act of 1934, as amended.

238

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Stockholder information 

STOCK TRANSFER AGENT AND REGISTRAR 

Shareholder correspondence should be mailed to:  

Computershare  

P.O. BOX 30170 

College Station, TX 77842-3170

STOCKHOLDER INQUIRIES 

Overnight correspondence should be sent to:  

Computershare  

211 Quality Circle, Suite 210 

College Station, TX 77845 

1.866.214.2213

Email:  shareholder@computershare.com

Online inquires:  https://www-us.computershare.com/investor/Contact

Website:  www.computershare.com/investor 

Send certificates for transfer and address changes to: 

Computershare  

P.O. BOX 30170 

College Station, TX 77842-3170

STOCK LISTING 

under the ticker symbol NRG.

FINANCIAL INFORMATION 

NRG’s common stock is listed on the New York Stock Exchange  

NRG’s Annual Report on Form 10-K, Proxy Statement and other SEC Filings  

are available at www.nrg.com under the Investors section. 

 
2015 Form 10-K 

NRG Energy 
211 Carnegie Center 
Princeton, NJ 
08540-6213 

t: 609.524.4500 
f: 609.524.4501 

nrg.com

1201 Fannin Street 
Houston, TX 
77002-6929 

t: 713.537.3000