Financial Performance - New business profit increased by 39% to $1.489 billion, with 17 life insurance markets showing growth, 16 of which recorded double-digit growth[3]. - Annualized premium equivalent sales rose by 42% to $3.027 billion[3]. - Adjusted operating profit increased by 6% to $1.462 billion[3]. - Operating profit rose by 14% to $146 million[8]. - Overall, new business profit slightly declined by 3% on a non-economic basis, while profit margins improved by 7 percentage points[7]. - The adjusted IFRS operating profit for the period was $947 million, compared to a loss of $1.505 billion in 2022, indicating a significant recovery[9]. - The total income from insurance operations was $1.636 billion, a decrease of 3% compared to the previous period[74]. - The company reported a net profit of $0.947 billion for the first half of 2023, a significant improvement from a net loss of $1.511 billion in the same period of 2022[72]. - The total comprehensive income for the first half of 2023 was $756 million, a significant improvement from a loss of $2,291 million in the same period of 2022[166]. - The company reported a total comprehensive loss of $(1,797) million for the year ended December 31, 2022, which included a loss of $(1,007) million attributable to shareholders[169]. Dividend and Shareholder Returns - First interim dividend per share increased by 9% to 6.26 cents, with guidance for annual growth of 7% to 9% for 2023 and 2024[3]. - The board approved a dividend of $0.0626 per share, up from $0.0574 per share in the previous year, with expected annual growth of 7% to 9% for 2023 and 2024[73]. - The company declared an interim dividend of 6.26 cents per share, up from 5.74 cents in the first half of 2022, reflecting a 9.1% increase[165]. - The company paid dividends to shareholders amounting to $361 million in the first half of 2023, compared to $320 million in the same period of 2022, an increase of 12.8%[171]. Market Performance and Growth - The company operates in 14 Asian life insurance markets and 8 African life insurance markets, showcasing its extensive market presence[9]. - Prudential's footprint spans Asia and Africa, with an estimated annual gross premium growth of nearly $1 trillion from 2022 to 2033[16]. - The local division in Hong Kong and the mainland China traveler segment saw significant performance, with local annual premium equivalent sales increasing by 68%[7]. - In mainland China, the company proactively withdrew certain guaranteed savings products, leading to a 25% increase in annual premium equivalent sales from agents and a 53% increase in capacity[7]. - The company aims for a compound annual growth rate of new business profit of 15% to 20% from 2022 to 2027[4]. - The company aims for a compound annual growth rate (CAGR) of 15% to 20% in new business profit from 2022 levels by 2027, targeting new business profit of $44 to $54 billion[34]. Customer Experience and Product Development - The company plans to enhance customer experience and focus on technology-driven distribution to drive growth[4]. - Prudential plans to enhance customer experience to acquire more customers and increase loyalty, thereby creating lifetime value[19]. - The company launched a new comprehensive multi-critical illness product in H1 2023 to meet diverse customer needs[46]. - The company is focusing on transforming its health business model to become a trusted partner in health care, aiming to double new business profit from health insurance between 2022 and 2027[29]. - The company aims to achieve a customer retention rate close to 90% and increase the lifetime wallet share of existing customers[24]. Regulatory and Compliance - The group’s capital management framework adheres to the capital requirements set by the Hong Kong Insurance Authority, ensuring compliance with regulatory standards[100]. - The company is committed to regularly assessing the suitability and affordability of its products, aiming to reduce complexity while enhancing transparency in costs and benefits[116]. - Regulatory compliance complexity continues to increase, particularly in light of geopolitical tensions and evolving regulations across multiple jurisdictions[118]. - The company is actively monitoring market developments and engaging with policymakers and regulatory bodies to address compliance with existing and new regulations[119]. Risk Management - The group is focused on creating long-term value for stakeholders, particularly in high-growth markets in Asia and Africa[129]. - The group faces market risks from fluctuations in stock prices, interest rates, credit spreads, exchange rates, and property prices, with a moderate inflation risk primarily from rising medical costs[132]. - The group actively manages market risk through policies, risk appetite statements, and the use of derivatives for hedging[132]. - The group has established a risk governance framework led by the Group Risk Committee, which oversees risk policies and communication across major business units[121]. - The group is committed to responsible management of environmental, social, and governance (ESG) issues, with a focus on enhancing customer access to health and financial security[140]. Investment and Asset Management - Prudential manages over $220 billion in assets, reflecting strong internal investment capabilities[6]. - The total assets under management increased by 3% to $227.7 billion as of June 30, 2023, reflecting inflows from external clients and favorable market changes[36]. - The company has invested over $220 billion in assets across 11 markets, focusing on enhancing its investment capabilities[32]. - The company plans to invest approximately $1 billion in core capabilities, particularly in customer, distribution, health, and technology sectors[33]. Economic and Market Conditions - The ongoing high inflation and interest rates, along with economic uncertainty, have increased strategic and business risks for the group[111]. - The tightening of monetary conditions and rising debt servicing costs may lead to a slowdown in economic growth and increased risk of recession globally[114]. - The group anticipates that macroeconomic conditions will remain challenging, potentially affecting new business growth and investment performance[114]. - Global inflation has decreased since mid-2022, but core inflation remains above central bank targets, particularly in the US and UK, driven by strong service demand and a tight labor market[113]. Transformation and Technology - The company is facing significant transformation risks due to the implementation of major change plans, which include enhancing digital capabilities and operational efficiency[143]. - The company has established a transformation risk framework to ensure robust governance and risk management during its strategic initiatives[143]. - The company is transforming its technology platform to an open structure to quickly adopt market innovations and enhance customer interaction through generative AI[30]. - The company has invested in advanced analytics technology and AI tools to strengthen its financial crime risk management capabilities[145].

Market Focus and Strategy - Prudential plc focuses on Asia and Africa markets with significant savings and protection gaps, driving demand for its products[4] - Prudential plc completed restructuring in 2021 to fully focus on Asia and Africa markets[15] - Prudential's strategy focuses on addressing health, protection, and savings gaps in selected Asian and African markets[18] - Prudential operates in markets with low insurance penetration and significant pension gaps[37] - Prudential focuses on growth opportunities in Mainland China, India, and Southeast Asia[47] - Prudential aims to make health and protection more accessible and affordable, and to promote financial inclusion[47] - Prudential is accelerating the development of digital distribution models and enhancing its digital insurance product portfolio[48] - Prudential aims to achieve long-term double-digit growth in embedded value per share[32] - Prudential aims to deepen its wealth management market share by offering comprehensive financial solutions to high-net-worth and affluent clients[81] Financial Performance - Prudential's adjusted operating profit increased by 8% in 2022[18] - The company declared a total cash dividend of 18.78 cents per share for 2022, a 9% increase from 2021[18] - Prudential's new business profit in 2022 was impacted by COVID-19 and economic challenges[18] - Prudential's adjusted operating profit for 2022 was $1.007 billion, compared to $2.214 billion in 2021[26] - Prudential's operating free surplus increased from $1.564 billion in 2018 to $2.193 billion in 2022[53] - European embedded value rose from $27.4 billion in 2018 to $42.2 billion in 2022[53] - European embedded value reached $42.2 billion in 2022[60] - New business profit amounted to $2.2 billion in 2022[60] - Annual Premium Equivalent (APE) sales increased by 9% to $4.393 billion at constant exchange rates[70] - New business profit decreased by 11% to $1.8 billion, with a 5% increase outside Hong Kong[70] - Adjusted IFRS operating profit based on long-term investment returns rose by 8% to $3.375 billion[70] - IFRS post-tax profit for 2022 was $1.007 billion, impacted by rising interest rates and stock market declines[70] - Health and protection products contributed 43% of new business profit[70] - Over 30% of new customers came from affluent and high-net-worth segments[70] - More than 50% of policies were health protection plans[70] - The company's operating free surplus generated from insurance and asset management businesses (excluding restructuring costs) was $2.193 billion, an increase of 9%[198] - The total free surplus generated by the Group increased by 21% to $1.374 billion[198] - The free surplus as of December 31, 2022, was $12.229 billion, and excluding distribution rights and other intangible assets, it was $8.39 billion[198] - The cost of investing in new business increased by 10%, in line with the 9% increase in annual premium equivalent sales[198] - The Group's 2022 cash dividend totaled 18.78 cents per share, a 9% increase from 2021[199] - The Board approved a second interim cash dividend for 2022 of 13.04 cents per share, compared to 11.86 cents per share in 2021[199] Digital Transformation and Innovation - Prudential plc launched the AI-driven health app Pulse by Prudential in Asia in 2019[15] - The company continued its digital technology investments to enhance customer experience and distribution efficiency in 2022[18] - Pulse platform is live in 19 markets[43] - Prudential is accelerating the development of digital distribution models and enhancing its digital insurance product portfolio[48] - 79% of new policies in 2022 were automatically underwritten, with 41% issued without human intervention[71] - 64% of claims were submitted electronically, and 31% of all claims were instantly approved through automated adjudication[71] - Pulse platform supports agents and customers across 19 majority-owned markets in Asia and Africa, enhancing digital transformation and reducing IT investments[75] - PRUForce, a digital agent tool on Pulse, is operational in six markets, improving agent efficiency and personalized customer interactions[75] - PRUServices, a digital customer service platform, is live in nine markets, enabling policy management and reducing policy value loss[76] - Prudential partnered with Google Cloud in October 2022 to enhance health and financial protection services using AI and advanced analytics[76] - The company's digital channel achieved a threefold increase in annual premium equivalent sales in 2022 compared to 2021, ranking second in digital market share[129] - Enhanced distribution capabilities through new digital investment and service platforms in Malaysia and Thailand[137] Leadership and Governance - Prudential plc celebrated its 175th anniversary and 100 years of operations in Asia in 2022[13] - The company appointed Anil Wadhwani as CEO in February 2023, bringing over 30 years of experience in Asian financial services[21] - Prudential's board transformed to focus exclusively on Asia and Africa operations in 2022[22] - Two new board members, Arijit Basu and Claudia Suessmuth Dyckerhoff, joined in 2022 and 2023 respectively, bringing expertise in insurance, health, and technology[22] - Prudential celebrated its 100th anniversary of operations in Asia and 175th overall in 2023[18] Sustainability and Responsible Investment - Prudential's investment arm, Eastspring, signed the UN-supported Principles for Responsible Investment in 2022[16] - The company aims to achieve net-zero emissions for assets held by its insurance companies by 2050[53] - Carbon emissions (weighted average carbon intensity) decreased from 386 in 2019 to 219 in 2022[53] - The company aims to reduce weighted average carbon intensity by 25% by 2025[67] - Increased focus on responsible investment, including communication with high-emission companies accounting for 65% of Prudential's asset portfolio's absolute carbon emissions[138] - Launched Japan Sustainable Value Fund and Reksa Dana Indeks ESG IDX Leaders Plus in Indonesia[138] - The weighted average carbon intensity of the investment portfolio has decreased by 43% compared to the 2019 baseline, driven by coal policy and carbon intensity budgeting[148] - The company aims to reduce carbon emissions in shareholder and policyholder asset portfolios by 25% by 2025[147] Regional Performance - Prudential's largest businesses are located in Mainland China, Singapore, Hong Kong, Malaysia, and Indonesia[37] - 50% of Prudential's annual premium equivalent sales and new business profit come from Southeast Asia[29] - Asia's health and protection gap is estimated at $1.8 trillion[30] - Asia contributes 40% to global GDP growth[30] - The middle class in Asia is expected to grow by 1.5 billion people from 2020 to 2030[31] - Prudential's health and protection gap in China is estimated at $805 billion[86] - Prudential's new business profit in China has more than doubled from 2017 to 2022[86] - Prudential's annual premium equivalent sales in China increased by 19% to $884 million in 2022[86] - New business profit in China grew by 15% in 2022 compared to 2021[87] - The bancassurance channel in China saw a 32% growth in annual premium equivalent sales in 2022[87] - Prudential's new business profit margin in China slightly decreased to 44% in 2022 from 45% in 2021[87] - The agency channel in China experienced a 6% increase in annual premium equivalent sales in the second half of 2022[87] - Prudential's adjusted operating profit in China increased by 12% in 2022 compared to 2021[86] - The company's digital sales in China accounted for over 80% of total sales, the highest among its businesses[90] - CITIC-Prudential Life has over 15,200 agents, with a 9% increase in annual premium equivalent sales per active agent[91] - CITIC-Prudential Life added 11 new bank insurance partners, expanding its network to 59 partners covering over 6,600 branches in mainland China[91] - The bank insurance channel's new business profit increased by 45% due to an efficient service model[91] - Prudential's annual premium equivalent sales in Hong Kong decreased by 4% to $522 million in 2022[95] - Prudential's new business profit in Hong Kong decreased by 47% to $384 million in 2022[98] - Prudential's market share in Hong Kong increased to 7.4% in 2022, up 2.0 percentage points from 2021[95] - Prudential's market share in Hong Kong reached 12.5% in Q4 2022, an increase of over 5 percentage points from Q4 2021[95] - Prudential's adjusted operating profit in Hong Kong increased by 6% to $1,036 million in 2022[92] - Prudential's customer retention rate in Hong Kong exceeds 97%[99] - Prudential obtained a license to open a branch in Macau in January 2023, aiming to capture opportunities in the Greater Bay Area[94] - The company's agency team accounted for over 58% of the Annual Premium Equivalent (APE) sales[101] - Agency channel APE sales increased by 57% in the second half of 2022 compared to the first half[101] - Average premium per policy in the agency channel increased by 17% year-on-year[101] - Agency recruitment in the second half of 2022 rebounded by 45% compared to the first half[101] - In Indonesia, the company's APE sales reached $247 million, with a new business profit of $125 million and a new business margin of 51%[102] - The company holds an 11% market share in the Indonesian life insurance market based on weighted new business premiums[103] - The company's agency channel in Indonesia holds a 28% market share, and it leads the Islamic market with a 32% market share[103] - Overall APE sales in 2022 grew by 2% to $247 million, with a 30% increase in the second half compared to the first half[104] - The company's new business profit increased by 4% in 2022, with a slight improvement in the profit margin to 51%[104] - The company's agency team in 2022 had 980 agents qualified for the Million Dollar Round Table (MDRT) membership[108] - Annual Premium Equivalent (APE) sales decreased by 17% to $434 million, with a slight decline of 2% excluding the impact of 2021 repricing[110] - New business profit decreased by 27% to $219 million, reflecting lower sales and profit margins[110] - Adjusted operating profit increased by 10% to $364 million, while IFRS post-tax profit rose by 1% to $252 million[109] - The company holds an 18.9% market share in Malaysia's life insurance sector and a 22.3% share in the Islamic insurance market[109] - The company's customer base reached 3 million in 2022, evenly split between traditional and Islamic insurance businesses[111] - The agency team grew by 8% to over 24,300 agents, with a recruitment of 7,400 new agents in 2022[113] - In Singapore, APE sales grew by 6% to $770 million, with a 3% increase in agency APE sales[115] - New business profit in Singapore decreased by 2% to $510 million, impacted by lower profit margins[116] - The company issued over 396,000 BSN Takaful Sakinah health and protection certificates through its partnership with BSN[111] - The company aims to double the number of Malaysians with Islamic insurance policies by 2026, supported by government incentives[109] - High net worth market annual premium equivalent sales increased by 30%[117] - Corporate benefits business annual premium equivalent sales grew by 17%, covering over 3,000 SMEs and 200,000 employees[117] - Customer retention rate reached 96%[117] - Number of top agents qualifying for the Million Dollar Round Table increased by over 23% to more than 1,200[118] - Annual premium equivalent sales in growth markets increased by 14% to $1.611 billion[119] - New business profit in growth markets rose by 13% to $630 million[119] - Adjusted operating profit in growth markets grew by 13% to $1.057 billion[119] - Vietnam market share increased by 2 percentage points to 15%[120] - Philippines market share reached 17%, leading the market[120] - Taiwan annual premium equivalent market share increased by 1.5 percentage points to 4.4%[120] - ICICI Prudential's annual premium equivalent sales in India increased by 4%, with annuity sales up 56% and protection sales up 23%[123] - Thailand's annual premium equivalent sales grew by 18%, driven by bancassurance sales and easing COVID-19 restrictions[123] - Philippines' annual premium equivalent sales rose by 14% to $182 million, despite interest rate fluctuations impacting new business profit[123] - Vietnam's annual premium equivalent sales surged by 26%, outperforming the industry's 8% growth[123] - Taiwan's annual premium equivalent sales increased by 35%, driven by strong bancassurance and brokerage channel growth[123] - Africa's annual premium equivalent sales grew by 19%, with new business profit margins remaining stable[123] - ICICI Prudential launched new products including a regular premium annuity plan and a long-term savings product with tax-free guaranteed income[124] - Thailand's health and protection annual premium equivalent sales mix increased from 16% in 2019 to 24% in 2022[125] - Vietnam introduced affordable protection solutions, selling over 2,100 SOFI and 31,100 PRU-Easy365 policies[125] - ICICI Prudential recruited over 34,700 new agents, bringing the total number of agents to over 204,000[126] - TTB has approximately 600 branches and UOB has around 150 branches in Thailand, providing opportunities for expanding bancassurance and customer base[129] - The company's digital channel achieved a threefold increase in annual premium equivalent sales in 2022 compared to 2021, ranking second in digital market share[129] - The number of Million Dollar Round Table (MDRT) qualifiers in Vietnam increased by 60% to nearly 2,000 in 2022[129] - Eastspring's assets under management or advice decreased by 14% to $221.4 billion in 2022, primarily due to market depreciation and foreign exchange translation losses[130] - Eastspring's adjusted operating profit declined by 17% to $260 million in 2022[130] - The company's bancassurance channel in Vietnam recorded strong growth of 26% in 2022[129] - Eastspring's cost/income ratio increased by 1 percentage point to 55% in 2022[130] - The company's corporate benefits business grew by 49% in 2022 compared to 2021[129] - Eastspring's fee margin based on operating income decreased by 1 basis point to 29 basis points in 2022[130] - The company's agency channel in the Philippines saw an 89% increase in recruitment in 2022[131] - Established Eastspring Thailand as the sixth-largest fund management company in Thailand[137] - Over 50% of new clients contracted directly or through partnerships with fintech companies and neobanks[139] - Expanded existing customer base to approximately 8 million[139] - Strengthened relationships with Prudential Group's life insurance business and corporate asset owners[136] - Successfully secured mandates and additional investments from some of the largest pension and sovereign wealth funds in the Americas, Europe, Taiwan, and Malaysia's Islamic business[136] - Broadened product portfolio of equity and fixed income strategies through IPAMC[139] - Deepened cooperation with over 40 local research institutions through CITIC-Prudential Fund Management Co., Ltd.[139] Corporate Social Responsibility - Prudential plc established a non-profit organization, Prudence Foundation, in Hong Kong in 2018[15] - Community investment cash contributions totaled $12.2 million[60] - The company paid over $9.3 billion to clients for long-term insurance products in the past year[58] Investment and Asset Management - Prudential's Asian asset management company, Eastspring, manages or advises assets worth $221.4 billion[29] - Eastspring Investments manages or advises assets worth $221.4 billion, ranking in the top ten asset management companies in six of its eleven markets[77] - Eastspring's average managed or advised funds decreased by 5% to $229.4 billion in 2022, reflecting adverse market conditions partially offset by net inflows[77] - External managed funds totaled $91.2 billion, with a decrease of 14% compared to the previous year[175] - Internal managed or advised funds totaled $130.2 billion, with a decrease of 15% compared to the previous year[175] - Total managed or advised funds amounted to $221.4 billion, with a decrease of 14% compared to the previous year[175] - Adjusted operating profit for the asset management business was $260 million, a decrease of 13% compared to the previous year[175] - The company's investment portfolio excludes assets held by joint ventures and unit-linked funds due to lack of full control over investment strategies[142] - Insurance and asset management businesses generated free surplus of $2.193 billion, a 9% increase at constant exchange rates and 6% at actual exchange rates[150] - Group operating free surplus net of restructuring and central costs was $1.374 billion, compared to $1.135 billion at constant exchange rates and $1.179 billion at actual exchange rates in 2021[150] - Adjusted operating profit based on long-term investment returns increased by 8% at constant exchange rates and 4% at actual exchange rates to $3.375 billion[152] - Annual premium equivalent sales grew by 9% to $4.393 billion in 2022[158] - New business profit decreased by 11% to $2.184 billion in 2022[158] - Markets outside Hong Kong recorded a combined new business profit growth of

Prudential plc 二零二二年上半年度財務報告 成就豐盛人生 成就豐盛人生 Prudential plc 二零二二年上半年度財務報告 香港股份代號：2378 我們的宗旨 我們幫助人們 活出豐盛人生 我們存在的價值 我們在亞洲及非洲的市場普 遍存在巨大的儲蓄及保障缺 口，令人們對壽險及儲蓄產 品的需求增加。 我們帶來的改變 我們透過讓健康及保障更 實惠便捷，以及促進金融普 惠，幫助人們活出豐盛人生。 我們守護財富並為資產增 值，推動人們積極儲備以實 現目標。 我們努力的目標 我們深信，清晰明確的策 略，加上經受考驗的執行能 力，讓我們具備充足的實 力，能夠繼續長期為股東及 所有持份者締造價值。 請參閱 第04至25頁了解更多 我們幫助 人們活出 豐盛人生 了解更多 瀏覽www.prudentialplc.com 了解更多有關Prudential plc的資料。 我們的業務營運 請參閱 第04頁了解更多 目錄 02 業務表現 04 策略及營運回顧 12 財務回顧 26 風險回顧 業務表現 我們的財務 表現 請參閱 第12頁了解更多 44 《國際財務報告準則》財務業績 《國際財務報告準則》財務業績 歐洲內 ...

278414 (Prudential AR) (210x297mm)_00. Cover\ 08/03/2022 \ M28 \ p.IV Prudential plc 二零二一年年度報告 成就豐盛人生 成就豐盛人生 Prudential plc 二零二一年年度報告 香港股份代號：2378 278414 (Prudential AR) (210x297mm)_01. pp001_IFC & Contents\ 08/03/2022 \ M28 \ p.II 我們的宗旨 我們幫助人們 活出豐盛人生 我們存在的價值 我們在亞洲及非洲的市場普 遍存在巨大的儲蓄及保障缺 口，令人們對壽險及儲蓄產 品的需求增加。 我們帶來的改變 我們透過讓健康及保障更 實惠便捷，以及促進金融普 惠，幫助人們活出豐盛人生。 我們守護財富並為資產增 值，推動人們積極儲備以實 現目標。 我們努力的目標 我們深信，清晰明確的策 略，加上經受考驗的執行能 力，讓我們具備充足的實 力，能夠繼續長期為股東及 所有持份者締造價值。 請參閱 第6至145頁了解更多 了解更多 瀏覽www.prudentialplc.com了解更多 有關Prudentia ...

豐盛人生 成就 香港股份代號：2378 Prudential plc 二零二零年年度報告 英國保誠 幫助人們 實現人生最大 的價值。 目錄 | --- | --- | |-----------------------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------| | | | | 01 02 05 | 集團概覽 主席報告書 集團執行總裁報告 | | 10 | 策略報告 | | 12 14 16 18 28 45 70 | 集團摘要 我們的業務模式 我們的表現 集團策略及業務 集團財務總監兼營運總裁 關於二零二零年財務表現的報告 集團風險兼合規總監有關本集團業務面臨的 風險及風險管理方法的報告 環境、社會及管治報告 | | 118 | 管治 | | 120 12 ...

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Prudential plc 二零一九年上半年度財務報告 我們的生活。 香港股份代號：2378Prudential plc 二零一九年上半年度財務報告 779444 (Prudential IR) (210x297mm) \ 29/08/2019 \ M71 \ p.2 保誠幫助客戶 消除生活中的不確定性 及應對最主要的財務 關注事項。 財務摘要 二零一八年 十二月 三十一日 按實質匯率 基準的變動8 每股股份的《國際財務報告準則》股東資金 757便士 665便士 14% 二零一九年 六月三十日 每股股份的歐洲內含價值股東資金 2,055便士 1,920便士 7% 集團償付能力標準II覆蓋率6、7 222% 232% (10)個 百分點 第一次中期普通股息 二零一九年 16.45便士 +5% 二零一八年 15.67便士 | --- | --- | --- | --- | --- | |---------------------------------------------------------------|---------------------|---------------------|------ ...