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Annuities_IFA_Single;(2+ Annuities_Regular;"* Annuities_Single;%D, Annuities_Weighted;Gf3 AnnuitiesIFA_Plan_Regular;2 AnnuitiesIFA_Plan_Single;APP1:+APP2:+& asia_Funds_I= ) Asia_re_Regular= WX( Asia_re_Single= [\* Asia_re_Weighted= _`& Asia_Regular; % Asia_Single; " Bank_Egg;cg' Bank_Plan_Egg;}. Bank_Plan_PruBranded;) Bank_PruBranded;jl! Banking;$ BankingTot;CAT1:+CAT2:+- Closed_Dist_Regular;, Closed_Dist_Single;/+ Corporate_Regular;* Corporate_Single;,, Corporate_Weighted;Gd3 CorporateIFA_Plan_Regular;2 CorporateIFA_Plan_Single;( Europe_Regular; ' Europe_Single; FRE1:+FRE2:+# India_FUM; * JNL_BankProducts;&*% JNL_Regular;$ JNL_Single;# Korea_Fum;'4>0 MG_Direct_Plan_Regular; / MG_Direct_Plan_Single;  + MG_Direct_Regular; * MG_Direct_Single;   MG_FUM;$ MG_Funds_I; $ MG_Funds_R; - MG_IFA_Plan_Regular; , MG_IFA_Plan_Single; ( MG_IFA_Regular; $' MG_IFA_Single; 'D% MG_Inst_FUM;($ MG_Regular; 0# MG_Single; 3P% MG_Weighted; Sp! MPF_FUM;# Other_FUM;pz. Partnerships_regular;&- Partnerships_Single;&PER1:+PER2:+% PPM_Funds_I; % PPM_Funds_R; ) PPM_Plan_Single; $ PPM_Single;    ;$V   ;H   ;/  ;F   ; -  ;!  ;<   ;#T   ;`   ;*   ;,  ;C   ;N   ;  ;""  ;,;  ;-a  ;.  ;/n  ;0n  ;REP1:+REP2:+# Retail_GI;ss, Retail_IFA_Regular;+ Retail_IFA_Single;!6( Retail_Plan_GI;- Retail_Plan_Regular;{, Retail_Plan_Single;( Retail_Regular;' Retail_Single;.) Retail_Weighted;C^0 RetailIFA_Plan_Regular;/ RetailIFA_Plan_Single;+ RetailIFA_Regular;&* RetailIFA_Single;)G, RetailIFA_Weighted;Ji  Sch1_2;%  Sch3;) Sch4;*$ Taiwan_FUM;%/& UKColInv_FUM;$ UKScAm_FUM;`i default assumption is calculated using a weighted risk margin reserve (RMR) approach. An RMR charge is individually assigned to asset classes basedon credit ratings and, where necessary, credit analysis. This is then weighted by reference to the carrying value of the investments. The revised3presentation has had no effect on operating profit.WThe spread variance on the current and previous bases of presentation is set out below:[Jackson National Life - spread variance and longer-term returns on equity based investments4ethe present value, at risk discount rates, of the projected release of this capital and the investment earnings on the capital.5Difference between current period realised losses and2five year average which is excluded from operating)profit but included in profit before tax.UK Insurance Operations : (11)M&G (11)(11) Reflecting the expanded investment business new business analysis above, certain investment fund mandates previously classified from UK Corporate Pensions sales are now reported  US Insurance Operations: (10)Asia Mutual Funds(10) Sales for overseas operations are converted to sterling using the year to date average exchange rate applicable at the time. The sterling results for individual quarters represent the difference  (11) Reflecting the expanded investment business new business analysis on Schedule 19, certain investment fund mandates previously classified from UK Corporate Pensions sales are now reported  (11) Reflecting the expanded investment business new business analysis on Schedule 19, certain investment fund mandates previously classified from UK Corporate Pensions sales are now reported  Prudential Asia (note 5e)in profit before tax (note 5c) Egg (note 7f)>Jackson National Life net of surplus note borrowings (note 7g)Profit (loss) for the period.Short-term fluctuations in investment returns The memorandum results for Half Year 2002 and Full Year 2002 have been calculated by application of average half year 2003 exchange rates to operating profits and exchange rates at 30 June 2003 to shareholders'"Less: long-term default assumption (Schedule 5 - note 5d)(see Schedule 7 - note7a).The presentation of Jackson National Life's operating profit has been revised. The charge for averaged realised losses shown above is as compared Memorandum only - estimated unwind of discount in 2002 applying the same economic assumptions as for the Half Year 2003 results: in Hong Kong.For the Group's Asian operations, the active basis is appropriate for business written in Japan and Korea and for US dollar denominated business written+Total realised gains and losses arising in:/Five year average included in operating result 3Long-term default assumption (Schedule 4 - note 4c)assumption (Schedule 4)3Averaged losses in excess of the long-term default GActual less averaged losses excluded from operating result but included5eeShort term fluctuations for Prudential Asia for Half Year 2003 primarily reflect bond value movements%Shareholders' funds summary (note 7b)"UK and Europe Operations (note 7a)&Smoothed shareholders' funds (note 7c)Capital charge (note 7d)Other US operations (note 7e)Goodwill (note 7f)(Holding company net borrowings (note 7g)Other net (liabilities) assetsTotal (note 7h)yThe proportion of surplus allocated to shareholders from the UK with-profits business has been based on the present levelof 10%. Future bonus rates have been set at levels which would fully utilise the assets of the with-profits fund over the lifetimeof the business in force.KUK Operations - cost of strengthened persistency assumption and other items|A charge is deducted from the annual result and balance sheet value for the cost of capital supporting solvency requirements|for the Group's long-term business operations. The cost is the difference between the nominal value of solvency capital and~Where solvency capital is held within a with-profits long-term fund, the value placed on surplus assets in the fund is alreadyrdiscounted to reflect its release over time and no further adjustment is necessary in respect of solvency capital.Total goodwill comprises :?Other operations, relating to M&G and acquired Asian businesses7g7h3Holding company net cash and short-term investmentsHolding Company#Jackson National Life surplus notes7Operating profit (loss) before amortisation of goodwill/Profit (loss) on ordinary activities before tax#Statutory basis shareholders' funds@Averaged realised losses on fixed maturity securities (note 10b)5Averaged realised losses on fixed maturity securities_Realised losses arising in period (net of related change to amortisation of acquisition costs).shareholders on the achieved profits basis and the return included within operating profit as described in note 4a on schedule 4.Short-term fluctuations in investment returns represent the difference between total investment returns in the period attributable toWon in force variable annuity business in future periods based on current period equity VInvestment return related gain (loss) due primarily to changed expectation of profits qLonger-term returns for these investments have been determined by applying a longer-term rate of return of 7.75%.k oLShort-term fluctuations in investment returns (per note 11b and schedule 12)#Amortisation of goodwill (note 11a)!on operating profit (schedule 13)MSuch gains and losses are not required to be recognised for UK GAAP purposes.Amortisation of goodwill is normally no longer required under US GAAP following the implementation of FAS142. An adjustment is required to amortise goodwill under UK GAAP. Consistent with the ABI SORP, investment returns included in the UK operating result are determined on a longer-term basis. These amounts are explained in Schedule 10.#These are explained in Schedule 12.^Short-term fluctuations, net of related change to amortisation of acquisition costs, comprise UActual less averaged realised gains and losses for fixed maturities (see Schedule 10)SShort-term fluctuations for Prudential Asia primarily reflect bond value movements.- Business Area (Schedule 15) UK and Europe OperationsCInternal insurance and investment funds under management (note 14a)@14a As included in the summarised consolidated balance sheet. overseas subsidiaries are translated at year-end exchange rates. The impact of these currency translations is recorded as a component of the movement&in shareholders' capital and reserves.Half Year ended 30 June 200317a (note 17a) Jackson National Life (note 10a & Schedule 11).Five year average included in operating resultfunds at the period ends.[actual investment return on investments less longer-term returns (net of related changes to.amortisation of acquisition costs) as follows:0Foreign currency translation: Rates of ExchangeKOperating profit from continuing operations before amortisation of goodwillBForeign currency translation: Effect of rate movements on resultsThe economic assumptions shown above for Prudential Asia have been determined by weighting each country's economic assumptions by reference to The estimated increase (decrease) in the Half Year 2003 Group results that would arise from the following changes in economic assumptions are:The unwind of discount for UK long-term business operations represents the unwind of discount on the value of in-force business at the beginning of the vfund (see schedule 7), and the expected return on shareholders' assets held in other UK long-term business operations.Uanalysis of the short-term fluctuations in investment returns is shown in schedule 5.including those for equity based investments, are excluded from operating profit but included within the total profit or loss for the reporting period. An Using previous basisAs reported aboveUS 10 year treasury bond rate<Tax charge (credit) on profit (loss) on ordinary activiti< es Held within Egg;Short-term fluctuations in investment returns (schedule 5) 6Effect of changes in economic assumptions (schedule 2)4d Half Year ended 30 June 20030Tax on loss from changes in economic assumptionsSub-total Retail Opening FUM Less redemptions Net flowsMarket and currency movements between the year to date reported sterling results at successive quarters and will include foreign exchange movements from earlier periods.M&G(9) & UK Operations  Hong Kong MPF Products (5)W(4) Sales for overseas operations have been calculated using average exchange rates.  DPRUDENTIAL PLC - NEW BUSINESS - QUARTER 2 2003 VERSUS QUARTER 1 2003 HY 2003 HY 2002Q2 2003Q2 2002Q1 2003Date: 29 July 2003PRUDENTIAL PLC2003 Unaudited Interim ResultsSupplementary informationScheduleAchieved Profits basis resultsEarnings per share&Economic assumptions and sensitivitiesOperating profit New businessBusiness in force-Short-term fluctuations in investment returns Tax chargeShareholders' fundsSummaryReconciliation of movementStatutory basis results US OperationsOperating result!Reconciliation from US to UK GAAPOtherFunds under managementAnalysis by business areaForeign currency translation Schedule 12003 Unaudited Interim results Post-tax and Half Year ended 30 June 2003 Minority minority EarningsPre-taxTaxPost-tax interests per share"Basic earnings per share (note 1a)m(pence)BBased on operating profit after tax and related minority interests6before amortisation of goodwill and exceptional items Amortisation of goodwill7Based on profit for the period after minority interestsNotes 1a Schedule 2#(1) Basis of preparation of resultsBasis of Preparation of Results>measured using the revised operating and economic assumptions.pThe key economic assumptions and sensitivity of the results to changes to those assumptions are described below.(2) Economic assumptions UK Operations Half-year Full-year>Pre-tax expected long-term nominal rates of investment return: UK equitiesOverseas equities 6.2% to 7.5% 7.0% to 7.8%PropertyGiltsCorporate bondsE(applying the rates listed above to the investments held by the fund)$Expected long-term rate of inflation3Post-tax expected long-term nominal rate of return:'Pension business (where no tax applies)Life business 2Risk margin included within the risk discount rateRisk discount rate %US Operations (Jackson National Life)QExpected long-term spread between earned rate and rate credited to policyholders Risk discount ratePrudential AsiaFWeighted pre-tax expected long-term nominal rates of investment return-Weighted expected long-term rate of inflationWeighted risk discount rate2Economic assumptions and sensitivities (continued)*(3) Effect of altered economic assumptionsHalf Year ended 30 June Full Year -Total)(4) Half Year 2003 Results: Sensitivities9Half Year 2003 Pre-tax operating profit from new businessGroup=Pre-tax expected long-term nominal rates of investment returnDecrease in rates of 1%Risk discount rates 30 June 2003 Shareholders' Funds Schedule 3Half Year ended 30 June 2002Full Year 20026Operating profit from new long-term insurance businessNote3a(Jackson National Life net of tax profitsPre capital chargePost capital chargeMEMORANDUM ONLY4Estimated results applying same economic assumptionsas for Half Year 2003 results Schedule 4 Full Year 'Operating profit from business in force2003 m 2002 m -$Experience variances and other itemsJackson National Life.Return on surplus assets (over target surplus)Experience variances : Persistency Mortality and morbidityExpenses-Loss from strengthening operating assumptions-Change in operating assumptionsNotes4a)UK Operations - smoothing of asset values4b Schedule 52003 mLong-term business Jackson National Life (note 5b)EShare of investment return of funds managed by PPM America, that are Gconsolidated into Group results, but attributable to external investorsTotal 5a5bJackson National Life - summary!Short-term fluctuations comprise:>Actual investment return on investments less long-term returns*included within operating profit (note 5c)5cThis comprises:FActual less averaged realised gains and losses (including impairments)'for fixed maturity securities (note 5d):Actual less longer-term return on equity based investments5dQJackson National Life - Actual less averaged realised gains and losses (includingUS$mHalf of full years 1999 to 2002Half year 2003 Five year total Schedule 6Long-term business: Jackson National Life (note 6b)Prudential Asia (note 6c)Total tax on operating profit-Tax on items not included in operating profit7Tax on profit of sale of UK general business operations/(after utilisation of available capital losses)3Total tax on items not included in operating profit,(including tax on actual investment returns)6a6bAExcluding tax charge on broker dealer and fund management result.6c-Including tax relief on development expenses. Schedule 7Long-term business operations<Actual shareholders' funds less smoothed shareholders' fundsM&GEggUS Operations (note 7d)Before capital charge ,Excluding assets in excess of target surplus"Assets in excess of target surplusAfter capital chargeOther operations7a7b7c8Relates to broker dealer and fund management operations.7dJHeld within US Operations relating to broker dealer and banking businesses7eKNet core structural borrowings of shareholder financed operations comprise:>Core structural borrowings of shareholder financed operations Jackson National Life 7fxIf the economic assumptions applied for Half Year 2003 had been in place at 31 December 2002, the achieved profits basis Schedule 8Jackson Long-termNational PrudentialbusinessLifeAsiaEurope operationstotal0Reconciliation of movement in shareholders funds7Operating profit (including investment return based on long-term rates of returns)New business (schedule 3)Business in force (schedule 4)$US broker dealer and fund managementOther income and expenditureTax (schedule 6)tax on operating profit4tax on short-term fluctuations in investment returns0tax on effect of changes in economic assumptionstotal tax chargeMinority interestsExchange movements=Development costs included above (net of tax) borne centrally4Intragroup dividends (including statutory transfer) External dividends7Proceeds from issues of share capital by parent company4Shareholders' capital and reserves at 1 January 20032Shareholders' capital and reserves at 30 June 2003 Analysed as:;Additional shareholders' interest on Achieved Profits basis*Achieved Profits basis shareholders' funds Schedule 9"Basic earnings per share (note 9a)8Adjustment from post-tax long-term investment returns to9a Schedule 10 UK basis operating result(Broker dealer and fund management result*Operating result for UK reporting purposesAverage exchange rates10aELonger-term investment returns included in UK basis operating profit bUK basis operating profit for the Half Year ended 30 June 2003 includes the following longer-term Rinvestment returns (net of related change to amortisation of acquisition costs) :Longer-term returns on equity based investments (note 10c)10b10c/Longer-term returns on equity based investments Schedule 11 UK GAAP adjustments Longer-termSegmental result for investment UK Modified Statutory returnsBasis GAAP purposes1Jackson National Life result - reconciliation of (note 11c)+2003 US GAAP basis result to UK GAAP resultUS $m4Realised investment gains (losses), net of related 6change to amortisation of acquisition costs (note 11a< )*Profit before tax before minority interestTax (charge) credit0on short-term fluctuations in investment returns Net income Movements in shareholders' fundsNet income (as shown above)+Net movement in other comprehensive income Total movement in year (Shareholders' funds at beginning of year#Shareholders' funds at end of year 11aUK GAAP results exclude the impact of profits and losses that are recognised under US GAAP as a result of the implementation of FAS133 on accounting for derivative instruments.Under US GAAP, following FAS115, the fixed income securities of JNL are carried in the balance sheet at fair value. Movements in unrealised gains and losses are accounted 11b11cLonger-term investment returns The difference between actual investment returns and longer-term returns is included within the profit and loss account as short-term fluctuations in investment returns.Exchange rates=Average for Half Year 2003 applied to profit and loss account1Half Year end 2003 applied to shareholders' funds Schedule 12 Long-term business Jackson National Life (note 12a)DShare of investment return of funds managed by PPM America, that are12a12b2Realised and unrealised gains on preference shares Schedule 13)Tax charge on operating profit (note 13a) Jackson National Life (note 13b)Prudential Asia (note 13c)4Tax on short-term fluctuations in investment returns7Tax on profit on sale of UK general business operations0(after utilisation of available capital losses) %Tax on profit on ordinary activities 13a13b13c Schedule 14 Funds under management - summary2002 bn US Operations Prudential Asia Retained centrallyExternal funds5Total insurance and investment funds under management Managed by:Prudential Portfolio ManagersOther managers Schedule 152Funds under management - analysis by business area Investments Fixed Income held to coverEquities SecuritiesLand and BuildingsOther Investmentslinked liabilities Published Half Year2003 2002 bn bnUS Operations (note 15a)@Retained centrallyn/a* Group TotalNote 2003 Unaudited Interim Results The profit and loss accounts of foreign subsidiaries are translated at average exchange rates for the year. Assets and liabilities of foreign subsidiaries are translated at year-end exchange rates. Foreign currency borrowings that have been used to finance or provide a hedge against Group equity investments in 2The following translation rates have been applied:ClosingAverageYear-end : local currency Hong KongJapanMalaysia SingaporeTaiwanUSA(Tax charge on operating profit (note 6a) UK and Europe Operationsvshareholders' funds at that date would have been lower by 384m. This represents a pre-tax loss of 487m less relatedUK and Insurance OperationsAsia development expensesInvestment in operations=Net increase (decrease) in shareholders' capital and reservesThe achieved profits basis results have been prepared in accordance with the guidance issued by the Association of British Insurers in December 2001 This "active" basis of assumption setting has been applied in preparing the results of the Group's UK, US, and European long-term business operations. Y"Supplementary Reporting for long-term insurance business (the achieved profits method)".%UK and European Insurance Operations >Tax on operating profit based on long-term investment returns. (note 11a) (note 11b)PThe value movement under US GAAP is therefore not reported for UK GAAP purposes.4c Schedule 16 US GAAP adjustedfor minority interestsand reversal of FAS 133, FAS 115, and FAS 142 effectsPrudential Asia Schedule 17Vtax credit of 103m. These figures are analysed by business operation in schedule 8.!Broker dealer and fund managementexchange rates.PRUDENTIAL PLC - NEW BUSINESS - HALF YEAR 2003+TOTAL INSURANCE AND INVESTMENT NEW BUSINESS UK & EuropeUS+/- (%)Total Insurance Products Group Total INSURANCE OPERATIONSSingleRegularIndividual PensionsCorporate PensionsIndividual Annuities Sub-Total DWP RebatesIntermediated Distribution :Bulk AnnuitiesPartnerships :Total UK Insurance OperationsInsurance Products #Total European Insurance Operations(Total UK & European Insurance OperationsFixed AnnuitiesEquity Linked Indexed AnnuitiesVariable AnnuitiesSub-Total RetailGuaranteed Investment ContractsGIC - Medium Term NoteTotal US Insurance Operations Japan!Total Asian Insurance Operations Notes to Schedules:t as M&G institutional funds under management. 2002 UK insurance sales now reflect this change in presentation. -Total Investment Products - Gross Inflows (1)*Annual Equivalents (2)Direct Distribution: Total: "European Insurance Operations: (4)US Insurance Operations: (4)Asian Insurance Operations: (4)  Other (3)>(1) Represents cash received from sale of investment products. (2) Annual Equivalents (AE), calculated as regular new business contributions + 10% single new business contributions, are subject to roundings. (3) In Asia, 'Other' insurance operations include Thailand, Indonesia, The Philippines, Vietnam, India (26% interest), China and Korea. (4) Sales for overseas operations have been calculated using average exchange rates. The applicable rate for Jackson National Life is 1.61 (2002 - 1.44).  INVESTMENT OPERATIONS Opening FUM Gross inflows Redemptions Net inflowsOther movementsMarket & currency movementsNet movement in FUM Closing FUM&M&G branded retail investment products Total M&G IndiaKoreaOther Mutual Fund Operations"Total Asian Mutual Fund Operations!Total Asian Investment OperationsTotal Investment Products2002M&G 2003 movement relative to 2002US BANKING PRODUCTSTotal Deposit Liabilities Retail Assets4Prudential branded UK retail investment products (6)0M&G institutional (9)Hong Kong MPF Products (5)*M&G branded retail investment products (8)&US Banking Products (7)(5) Mandatory Provident Fund product sales in Hong Kong are included at Prudential's 36% interest of the Hong Kong MPF operation. C(6) Scottish Amicable and Prudential branded Investment Products.  J(7) Balance sheet figures have been calculated at closing exchange rates.  O(8) Balance restated to include M&G South Africa retail investment operations.  DPRUDENTIAL PLC - NEW BUSINESS - QUARTER 2 2003 VERSUS QUARTER 2 20022003 bn Schedule 21 Schedule 20 Schedule 19 Schedule 18Total tax chargefor within Other Comprehensive Income. Under UK GAAP, subject to provisions for permanent diminution in value, these securities are carried in the balance sheet at amortised cost. Memorandum usingHalf Year 2003 As publishedTotal US Operations3Total Prudential Asia (before development expenses)Other Operations-Prudential Asia (before development expenses)The profit and loss account charge or credit in respect of changes in economic assumptions, which is shown as an item excluded from operating profit, [analysis of operating profit, also reflect the impact at the start of the reporting period.reflects the effect on shareholders' funds at the start of the reporting period. The effect of changes in operating assumptions, which are included within the vUK long-term business smoothed shareholders' funds reflect an adjustment to PAC life fund assets, for the purposes of {determining the unwind of discount included in operating profits, to remove the effects of short-term volatility in market |In determining the cost of capital of Jackson National Life it has been assumed that an amount equal to 200 per cent of the ois to reduce Jackson National Life's shareholders' funds by 144m (30 June 2002 197m, 31 December 2002 138m).risk based capital required by the NAIC at the Company Ac<tion level must be retained. The impact of the related capital charge values of assets.Profit and loss account -;Investment appreciation (depreciation) on preference shares+impairments) for fixed maturity securities Representing:Other items (note 4b)This treatment is consistent with the inclusion of longer-term investment returns within operating profits. Short-term fluctuations in investment returns,As in previous periods, the spread variance shown above has been determined after including longer-term returns on equity based investments.Rates of exchange#Effect of rate movements on resultsAAdjustment from post-tax long-term investment returns to post-taxactual investment returns "UK and Europe Insurance Operations5Cost of strengthened persistency assumption (note 4b)Half Year ended 30 June 2002 m ,UK and Europe Insurance Operations (note 5a)XJackson National Life - Actual investment return on investments less long-term returns #post-tax actual investment returns 'on realised investment gains and losses'Adjustments for FAS133, FAS115, FAS142 Prudential Asia (note 12b)Increase in rates of 1%]the Achieved Profits basis operating results for new business written in the relevant period.5Profit arising from reorganisation of long-term funds15a Subject to provisions for permanent diminution in value, the fixed income securities of US Operations are valued at amortised cost.(9) Balance includes segregated pensions fund business, private finance flows and M&G South Africa institutional business. M&G institutional funds under management restated during the   quarter to include funds managed on behalf of the Prudential Staff Pension Scheme previously categorised as internal funds.&Group Summary and Insurance Operations-Investment Operations and US Banking Products.Group Summary: Quarter 2 2003 v Quarter 2 2002.Group Summary: Quarter 2 2003 v Quarter 1 2003Other informationAAdjustment for post-tax effect of changes in economic assumptionsMThe average number of shares for the Half Year ended 30 June 2003 was 1,995m.klong-term fixed income markets, set by reference to period end rates of return on fixed income securities. Under this guidance the basis for setting long-term expected rates of return on investments and risk discount rates are, for countries with developed For countries where long-term fixed income markets are underdeveloped, investment return assumptions and risk discount rates should be based on an assessment of long-term economic conditions. Except for the countries listed above, this basis is appropriate for the Group's Asian operations.New business operating profit and the unwind of discount and experience variances included in the analysis of operating profit from business in force are 7.5% to 7.8%PAC with-profits fund assetsPre-tax (losses) profits resulting from changes in economic assumptions included within the profit (loss) on ordinary activities before tax arise as follows: "UK and Europe insurance operationsJackson National Life (note 3a)*Capital charge (see note 7b on Schedule 7)Jackson National Life (note)hAveraged realised losses on bonds in excess of long-term default assumption (See schedule 5 and note 4c)period (adjusted for the effect of current year assumption changes); the expected return on smoothed surplus assets retained within the PAC with-profitsSurplus assets retained within the PAC with-profits fund are smoothed for this purpose to remove the effects of short term volatility of investment valuesThe 50m cost of strengthened persistency assumption for the Half Year 2003 relates to personal pension policies sold by the now discontinueddirect sales force. 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