These are the measurements used by management to monitor our financial performance.
Operating profit before tax
Total shareholder return (TSR)
Net cash generation
Insurance groups directive (IGD) capital surplus
Return on equity
European embedded value (EEV) per share
Full year dividend
Employee engagement index
There are a number of external factors that can impact and influence our business. They include the economic and political environment, regulatory and legal changes such as the Retail Distribution review (RDR) and broader societal changes such as the ageing of western populations. We need to understand, interpret and prepare for each of these changes as they emerge. We expect to operate in a period of change over the coming years.read more
European population growth 1950-2000
What makes us different?
We have over 175 years of experience and a range of businesses with strong synergies between them. Our expertise provides us with a number of competitive advantages which allow us to provide financial solutions and services to our customers throughout the various stages of life. To see which products fit with each life stage click on the link below.read more
What we are doing
There are a number of key strategic drivers that have driven our progress in 2012. Putting customers at the heart of our business; Digital developments; Improving synergies between our corporate businesses; Retirement solutions; International growth; Infrastructure investment and talent and people development.read more
Managing risk lies at the heart of our business and effective risk management capabilities are an area where we can gain real competitive advantage. This is essential to delivery of the Group's strategy and the generation of shareholder value.read more