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We are an Asia-led Group focused on capturing opportunities in structural growth markets.

 

We aim to do this by

  • Serving the protection and investment needs of the growing middle class in Asia
  • Providing asset accumulation and retirement income products to US retirees
  • Offering products to new customers in Africa, one of the fastest-growing regions in the world

Asia

  • Low life insurance and mutual fund penetration
  • Significant health and protection gap
  • Growing working age population
  • Increasing consumer affluence

United States

  • Increase in retirement age population
  • Large and growing retirement asset pools
  • Growing demand for guaranteed income

Africa

  • One of the world's most dynamic regions
  • Operating in markets with a total population of almost 400 million

Our financial performance (2018 full year)

Profit

Operating profit
£ 4,827 m
+ 6% on 2017
New business profit
£ 3,877 m
+ 11% on 2017
EEV operating profit
£ 7,563 m
+ 19% on 2017

Cash

Free surplus generation
£ 4,047 m
+ 14% on 2017
Remittances
£ 1,732 m
-3% on 2017

Capital

Solvency II surplus
£ 17.2 bn
+ 29% on 2017
Solvency II cover ratio
232%
+ 30pp on 2017

Notes

1. Adjusted IFRS operating profit based on longer-term investment returns.
2. Growth rates on a constant exchange rate basis.
3. Growth rates on an actual exchange rate basis.