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Sales for overseas operations have been calculated using average exchange rates. The applicable rate for Jackson National~2. In Asia, 'Other' Insurance Products include Thailand, Indonesia, The Philippines, Vietnam, India (26% interest) and China .3. Insurance sales for Japan are included from 13 February 2001, the date of acquisition of Orico Life Insurance Company Limited . 4. Mandatory Provident Fund product sales in Hong Kong are included at Prudential's 36% interest of the Hong Kong MPF operation. t5. Annual Premium Equivalents (APE), calculated as regular premiums + 10% single premiums, are subject to roundings.Japan UK Banking ProductsTotal Retail AssetsUS Banking ProductsUK General Insurancek Life is 1.44 (Q3 2000 - 1.54). Balance sheet figures have been calculated at closing exchange rates. 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