ࡱ>  ^@\p angela.braun Ba=&8el9q:fmgh|noCkDp~}=:!8Y@"1Arial1Arial1Arial1Arial1Arial1Arial1Arial1Arial1Arial1Arial1Arial1 Frutiger1 Frutiger1 Frutiger1 Frutiger""#,##0;\-""#,##0""#,##0;[Red]\-""#,##0""#,##0.00;\-""#,##0.00#""#,##0.00;[Red]\-""#,##0.005*0_-""* #,##0_-;\-""* #,##0_-;_-""* "-"_-;_-@_-,)'_-* #,##0_-;\-* #,##0_-;_-* "-"_-;_-@_-=,8_-""* #,##0.00_-;\-""* #,##0.00_-;_-""* "-"??_-;_-@_-4+/_-* #,##0.00_-;\-* #,##0.00_-;_-* "-"??_-;_-@_-"$"#,##0_);\("$"#,##0\)!"$"#,##0_);[Red]\("$"#,##0\)""$"#,##0.00_);\("$"#,##0.00\)'""$"#,##0.00_);[Red]\("$"#,##0.00\)72_("$"* #,##0_);_("$"* \(#,##0\);_("$"* "-"_);_(@_).)_(* #,##0_);_(* \(#,##0\);_(* "-"_);_(@_)?:_("$"* #,##0.00_);_("$"* \(#,##0.00\);_("$"* "-"??_);_(@_)61_(* #,##0.00_);_(* \(#,##0.00\);_(* "-"??_);_(@_)#,##0;[Red]\(#,##0\)0.0 0.000 0.0000 0.000000.000000E+00;\#0.000000E+00;\%0.0000000E+00;\!0.00000E+00;\ 0.0%#,##0\ ;[Red]\(#,##0\)#,##0.0;[Red]\(#,##0.0\)#,##0.00;[Red]\(#,##0.00\)!#,##0.000;[Red]\(#,##0.000\)##,##0.0000;[Red]\(#,##0.0000\)#,##0.0\ ;[Red]\(#,##0.0\) 0.000000000 0.0000000000 0.00000000 0.0000000 0.000000!#,##0.00\ ;[Red]\(#,##0.00\)##,##0.000\ ;[Red]\(#,##0.000\)#,##0\ ;\(#,##0\)#,##0.0\ ;\(#,##0.0\) 0.000%#,##0.00\ ;\(#,##0.00\)#,##0.000\ ;\(#,##0.000\) #,##0.0000\ ;\(#,##0.0000\)*%#,##0.0\ \ \ \ \ ;\(#,##0.0\)\ \ \ \                 + ) , *                 (        ( #  # !  !  ( " " "8    $a@  $@    $  ( # #8      ,@  ,` #  $a@ #8  $@   #8 #8 "8  $  $    $a@  $`  $@ @  $@  $@@  $@ #0  $  $  $@ #8 "  "  @@  @   @  @    @       # #  $a@         # #  #  ( #8  ( #8         #  !  #  #<  #  #<a@  #<              " !  "8 " "8  #\  #\   L   ,!@   ,       !  a@ " " `sanalysts schs index }sch 1.1 2001AP eps %"sch 1.2 restated 2000AP eps 'Sch 2(a) AP assn and sensitiv !Sch 2(b) AP assn and sens"Sch 3 AP new bus profits !Sch 4 AP in force profitsSch 5 AP st fl sch 6 APtax ~sch 7 AP sh fundsqsch 8 AP shf rec,sch 9.1 2001stat eps &8sch 9.2 restated 2000 stat eps%pFsch 10 US ops stat op profit Tsch11 US GAAP to UK stat0usch12 stat st flԃsch 13 stat tax sch 14 FUM summary؞Sch 15 FUM detail,`i }!.excluded from statutory basis operating profit#(but included in profit before tax)4a8Other general business and shareholders investment gains*Current year realised and unrealised gains.Longer-term gains credited to operating result4gains excluded from operating result but included inprofit before taxmLong-term business New businessBusiness in forcePrudential Asia7Operating profit [including investment return based on long-term rates of returns]TaxExchange movements1Net increase in shareholders capital and reserves UK operationsJackson National LifeAsia operationsTotalUS $mPre-taxtaxNotetotalTotal Summary Persistency Other(Operating profits from business in forceEuropeAmortisation of goodwillM&GOperating profits US operationstax on operating profitSpreadbusinessUKGroupExternal dividendsAchieved profits basis resultsLong-term business operations Long-term0Reconciliation of movement in shareholders fundsOther operations Other assets!General business solvency capitalJacksonNationalLifeKey economic assumptions UK equitiesOverseas equitiesPropertyGiltsCorporate bondsPAC with-profit fund assetsE[applying the rates listed above to the investments held by the fund]=Pre-tax expected long-term nominal rates of investment return$Expected long-term rate of inflation2Post-tax expected long-term nominal rate of return'Pension business (where no tax applies)Life business Risk discount rate %US operations (Jackson National Life)Post-tax7Operating profits from new long-term insurance businessUK operations0US operations (Jackson National Life) [see note]Pre capital chargeCapital chargePost capital charge Schedule 7Taxation charge4Tax on short-term fluctuations in investment returns.Tax on items not included in operating profits%Tax on profit on ordinary activities Shareholders' funds analysed as:;Additional shareholders' interest on Achieved Profits basis*Achieved Profits basis shareholders' funds Schedule 8total tax chargeSupplementary informationScheduleStatutory basis results%Statututory Basis shareholders' fundsPRUDENTIAL PLC-Short-term fluctuations in investment returns Tax chargeFunds under managementAnalysis by business area2000 m5Jackson National Life (net of surplus note borrowingsBefore capital charge After capital chargeShareholders' funds summaryHolding company net borrowingsp200 per cent of the risk based capital required by the US Supervisory authorities must be retained. The impact $Asia and Europe development expenses.Short-term fluctuations in investment returns EggUS$m*Operating result for UK reporting purposes Exchange rate(Broker dealer and fund management resultMinority7Short-term fluctuations in investment returns - summary:Share of investment return of US managed investment funds Jconsolidated into Group results that is attributable to external investors"General business and shareholders interests2001 m6Tax on profit on Egg flotation and business disposals Schedule 54Intragroup dividends (including statutory transfer) 7Proceeds from issues of share capital by parent companyMHeld within US operations re purchase of broker dealer and banking businesses5Other operations re M&G and acquired Asian businessesEarnings per share Post-tax and minority Earnings per share(pence):Based on operating profit after tax and minority interests'Adjustment for amortisation of goodwill7Adjustment from post-tax longer term investment returns?Based on profit for the financial year after minority interests Minoritynthat is attributable to external equity investors in two investment funds of the US fund management operation.xThese two funds are consolidated as quasi subsidiaries but have no net impact on pre-tax or post tax operating profit. wTotal profit, before and after tax, incorporating the adjustment from longer term returns to actual investment returns NotesNotes UK basis operating resultUS GAAP investmentreturnsShort-term fluctuations in Long-term business 5a5bJackson National Life (note 5b)#General insurance and shareholders 5Total tax on items not included in operating profits 5cAchieved Profits basis results7a10a10b10chIn determining the cost of capital of Jackson National Life it has been assumed that an amount equal to dRelates to Broker dealer, fund management, intra-group funding arrangements and certain tax balancesBasis GAAP purposesELonger-term investment returns included in UK basis operating profit qIn prior periods longer-term investment returns included within UK basis operating profit were estimated as the adjusted for minority3Shareholders capital and reserves at 1 January 2001Date: 26 February 20022001 Unaudited results New BusinessReconciliation of movementOperating result!Reconciliation from US to UK GAAP+2000 - restated for implementation of FRS19Date : 26 February 2002 Schedule 1.1 Schedule 1.2 1.1a1.1b)2001 Basic earnings per share (note 1.1a))2000 Basic earnings per share (note 1.2a)As previously publishedRestated1.2a1.2b6before amortisation of goodwill and merger break fee 9Adjustment for Merger break fee, net of related expenses !before amortisation of goodwill minority interests) (note 1.2b)@Adjustment for profit on flotation of Egg and business disposals,Average number of shares for 2000 was 1,959m2001 Unaudited results Schedule 2 Schedule 3+3a Jackson National Life net of tax profitsPrudential Europe1Experience variances against current assumptions:Mortality and morbidityExpenses.Return on surplus assets (over target surplus)0Experience variances against current assumptions UK Operations Schedule 4,Short-term fluctuation in investment returnsUK Operations (note 5a)9Share of investment return of US managed investment funds"General insurance and shareholders6Relating to investment in St James's Place Capital plc#Other (as explained on Schedule 12)hShort-term fluctuations in investment returns represent the difference between actual investment returnsdescribed on schedule 4.!Short-term fluctuations comprise:@Actual investment return on investments less longer-term returns*included within operating profit (note 5c)GActual return on Separate Account business less return based on longer- term rateFTransition writedown on implementation of EITF 99-20 for interests in :securitised financial assets (as explained on schedule 11) -This comprises:GActual less averaged realised gains and losses (including impairments) :Actual less longer-term return on equity based investments(Tax on merger break fee, net of expenses Schedule 6(Tax charge on operating profit (note 6a)UK Operations (note 6b)6a6bdIncluding tax relief on shareholders' portion of UK re-engineering costs borne by the PAC life fund.6c6dJackson National Life (note 6c)6e dComparatives for the year ended 31 December 2000 have been restated for the implementation of FRS 19%in respect of deferred tax provisions5restated for implementation of FRS19 re deferred tax)"Actual assets less smoothed assetsCapital charge (note 7b)Other US operations (note 7c)Goodwill (note 7d)7b7c7d,Total goodwill at 31 December 2001 comprises,Excluding assets in excess of target surplus"Assets in excess of target surplusUS operations Smoothed assets (note 7a) (note 7e)7e 6in respect of deferred tax provisions - see schedule 8General businessRe-engineering costs$US broker dealer and fund managementOther income and expenditure!Merger break fee, net of expenses Prudential Prudential4tax on short-term fluctuations in investment returns(tax on merger break fee, net of expenses=Development costs included above (net of tax) borne centrally6Investment in operatio< ns / changes in Prudential stake:Adjustment for European new business sold by UK operationsAs previously published As restated5Shareholders capital and reserves at 31 December 2001 Schedule 9.1 minority interests) (note 9.1b)9.1a9.1b)2001 Basic earnings per share (note 9.1a)minority interests) (note 1.1b) Schedule 9.2 )2000 Basic earnings per share (note 9.2a) minority interests) (note 9.2b)9.2a9.2b Schedule 10 Year ended 31 December 20016Averaged realised gains on fixed maturities (note 10b)laggregate of investment income and averaged realised gains for fixed maturities and other types of security.~Comparatives have not been restated for the refinement in policy as the effect is immaterial to the results for those periods.{Longer-term returns now include average realised gains for fixed maturities only, and returns for equity based investments /change to amortisation of acquisition expenses)/Longer-term returns on equity based investmentspLonger-term returns for these investments have been determined by applying a longer-term rate of return of 7.75% Schedule 11 UK GAAP adjustments Longer-term EITF 99-20Operating profit4Realised investment gains (losses), net of related 6change to amortisation of acquisition costs (note 11a)on operating profit0on short-term fluctuations in investment returnsMinority interests (note 11a)*Profit before tax before minority interest)Profit before tax after minority interest4Profit after tax before cumulative effect of changes in accounting principle Net income4Cumulative effect of changes in accounting principle (note 11a)investment returns (note 11b) (note 11b)11a9Operating profit and realised investment gains and lossesThese items are shown after excluding minority interests. For UK reporting purposes the segmental result of Jackson National Life reflect FAS 133effectsReverseoits proportionate interests in the results of two investment funds that are consolidated as quasi subsidiaries.son accounting for derivative instruments. Such gains and losses are not generally recognised for UK GAAP purposes.11b Effective 1 April 2001, EITF 99-20 issued by the US Federal Accounting Standards Board established new income and impairment recognition 8standards for interests in securitised financial assets.'The initial write-down is comprised of:Gross write-down Related change to amortisationof acquisition costsPre-tax charge Related taxNet of tax charge$m11c (note 11c)Total net incomeFor UK GAAP purposes fixed maturities are normally carried in the balance sheet at amortised cost. Securities are carried at estimated net realisable value for declines in fair value considered to be other than temporary. The decline is in included within realised losses.For securities carried at amortised cost movements in unrealised appreciation, which are accounted for under US GAAP within OtherTComprehensive Income, do not feature as a reconciling item in the table shown above. Schedule 12 Jackson National Life (note 12a)Other (note 12c)12c12a (note 6e)Total tax on operating profit -(including tax on actual investment returns) 6Averaged realised gains and losses on fixed maturities;Realised gains and losses arising in period [net of relatedSegmental result forUK Modified Statutory ^Short-term fluctuations, net of related changes to amortisation of acquisition costs comprise:JActual investment return on investments less longer-term returns included "within operating profit (note 12b)STransition write-down on implementation of EITF 99-20 for interests in securitised .financial assets (as explained on schedule 11)12bwActual investment return on investments less longer-term returns (net of related changes to amortisation of acquisition2Realised and unrealised gains on preference shares/Previously unrecognised unrealised appreciation Schedule 1313a13b13c 7.5% to 7.8%ZExpected long-term spread between earned rate and rate credited to policyholders (note 7a)Insurers in December 2001 "Supplementary Reporting for long-term insurance business (the achieved profits method)". Previously The achieved profits basis results for 2001 have been prepared in accordance with the guidance issued by the Association of British the achieved profits basis results were prepared in accordance with the guidance issued in July 1995. Comparative results for the One of the key differences between the current and previous guidance relates to the basis for setting long-term expected rates of return)on investments and risk discount rates. For 2000 and earlier years, the achieved profits basis results for all of the group's operations were calculated by using expected longer-5term equilibrium rates of return and discount rates. business operations. For the group's Asian operations the active basis is appropriate for business written in Japan and Korea and US 1dollar denominated business written in Hong Kong.assumptions and risk discount rates should be based on an assessment of longer term economic conditions. Except for the countries qThe key economic assumptions and sensitivity of the results to changes to those assumptions are described below. &Economic assumptions and sensitivitiesSchedule 2 (continued)2Economic assumptions and sensitivities (continued)(2) Economic assumptions$(2) Economic assumptions (continued) Previously PublishedMemorandum onlyeconomic assumptions as for 2001 results' Estimated results applying same ZLoss from strengthening operating assumptions (2000 - persistency and expense assumptions)+Average number of shares for 2001 is 1,978m%31 December 2001 shareholders' funds QChange of renewal expense assumption resulting from closure of direct sales force'(2000 change of persistency assumption)TCost of strengthened assumption for required capital for shareholder backed business -$Experience variances and other items$Unwind of discount (notes 4a and 4b)Unwind of discount (note 4b)4bvMemorandum only for 2000 - estimated unwind of discount applying the same economic assumptions as for the 2001 resultsJackson National lifePrudential Asia 'for fixed maturity securities (note 5d)5d Jackson National Life - summaryQJackson National Life - Actual investment return on investments less longer-term +returns for the year ended 31 December 2001RJackson National Life - actual less averaged realised gains and losses (including 5 year total equivalentActual less averagedGains on preference shares;Tax credit on short-term fluctuations in investment returns6Tax credit on loss from change of economic assumptions/Tax charge on merger break fee, net of expenses/(after utilisation of available capital losses)<Tax (credit) charge on (loss) profit on ordinary activities of 172m (2000 - 167m)@tax on profit / loss arising from change of economic assumptionsFive year total and reversal of FAS 1332(US GAAP as published also includes the change in &the fair value of hedging instruments)Tax (charge) creditAfter excluding FAS133 effects and adjusting for minority interests, realised investment losses, net of related change to amortisation }of acquisition costs, are $(510)m. These comprise losses of $(477)m on fixed maturity investments which are included within UK operating results on a five year averaged basis {per schedule 10 note 10b} and realised losses on equities and preferred shares of $(33)m.^by reference to the Achieved Profits basis operating results for new business written in 2001.Increase in rates of 1%Decrease in rates of 1%Risk discount rates 12001 Pre-tax operating profits from new business (4) 2001 Results sensitivities UK long-term business operations;Jackson National Life (including altered spread assumption) - arise as follows :#(1) Basis of preparation of resultsyear 2000 have not been restated for the change of guidance. Restat<ements of prior year figures relate solely to the implementation of FRS19 on deferred tax. -Weighted expected long-term rate of inflationkThe Prudential Asia economic returns have been determined by weighting each country's economic assumptions GWeighted pre-tax expected long-term nominal rates of investment return Weighted risk discount rate Prudential Asia  -*impairments for fixed maturity securities)Others -0Restatement effects for implementation of FRS 19on deferred tax Funds under management - summary Business Area UK operations US operations Prudential Asia Prudential Europe Retained centrallyExternal funds5Total insurance and investment funds under management2001 bn2000 bn Schedule 142Funds under management - analysis by business area Investments Fixed IncomeLand and held to coverEquities Securities Buildingslinked liabilities bn Retained centrally Schedule 1515a.514a. As included in the consolidated balance sheet9securities are reduced to estimated net realisable value.)UK Operations - smoothing of asset valuesGon shareholders' assets held in other UK long-term business operations.pSurplus assets retained within the PAC with-profits fund are smoothed for this purpose to remove the effects of !short-term investment volatility.vreturn on smoothed surplus assets retained within the PAC with-profits fund (see schedule 7), and the expected return 7frImpact on 31 December 2000 achieved profits shareholders' funds applying the same economic assumptions as for 2001mIf the economic assumptions applied for 2001 had been in place at 31 December 2000 the achieved profits basisUtax credit of 167m. These figures are analysed by business operation on schedule 8.vshareholders' funds at that date would have been lower by 315m. This represents a pre-tax loss of 482m less relatedTUK basis operating profit for the year ended 31 December 2001 includes the following:Longer-term returns on equity based investments (note 10c)@Excess of current period realised losses over five year average [longer-term investment returns (net of related change to amortisation of acquisition costs)%based on longer-term rates of return.0Shortfall of current year gains over longer-term)Tax charge on operating profit (note 13a)@Excluding tax charge on broker dealer and fund management result3Total group investments under management (note 14a)yattributable to shareholders on the achieved profits basis and the unwind of discount included within operating profit as (note 13e)UK Operations (note 13b) Jackson National Life (note 13c)-General insurance and shareholders (note 13b)13d13e ,Including tax relief on re-engineering costsin respect of deferred tax . :Including tax relief on development costs where applicable$(Loss) profit for the financial year$Other items and experience variances Change in operating assumptions >5 year average included in operating result [ see schedule 4 ]jThe unwind of discount for UK long-term business operations represents the unwind of discount on the valuesof the related capital charge is to reduce Jackson National Life's shareholders' funds by 222m (2000 also 222m). US Operations (note 15a)Fixed income securities for US operations are normally valued at amortised cost. Where declines in fair value are considered to be other than temporary, debt 8Operating profit (loss) before amortisation of goodwill UActual less averaged realised gains and losses for fixed maturities [see schedule 10]=Based on loss for the financial year after minority interests4to post-tax actual investment returns (after related(Effect of change of economic assumptionsiMinority interests in adjustments from post-tax longer-term investment returns to post-tax actual returnsqThe adjustment from post-tax longer-term returns to post-tax actual investment returns includes investment returnwTotal profit, before and after tax, incorporating the adjustment from longer-term returns to actual investment returns Aincludes losses of 13m attributable to these minority interests.5restated for implementation of FRS19 on deferred tax)Under the current guidance, for most countries, these rates are set by reference to period end rates of return on fixed interest securities.This "active" basis of assumption setting has been applied in preparing the results of all the group's UK, US, and European long-term An exception to this general rule is that for countries where longer-term fixed interest markets are underdeveloped, investment return Ilisted above, this basis is appropriate for the group's Asian operations.Pre-tax (losses) profits on changes of economic assumptions included within the (loss) profit on ordinary activities before tax9(3) 2001 Results : Effect of altered economic assumptionsThe estimated increase (decrease) in the 2001 Group results that would arise from the following changes in economic assumptions are: -}of in-force business at the beginning of the year (adjusted for the effect of current year assumption changes), the expected Prudential Asia (note 6d)Prudential Europe (note 6d)mTax on operating profit based on longer-term investment returns, excluding merger break fee, net of expenses.)Effect of changes of economic assumptionsinvestment gains]Minority interests4Jackson National Life (see note 10a and schedule 11)1Jackson National Life result - reconciliation of These items also exclude the impact of profits and losses that are recognised under US GAAP as a result of the implementation of FAS133Prudential Asia (note 13d)Prudential Europe (note 13d)9Adjustment for merger break fee, net of related expenses tUK long-term business smoothed assets represent asset values adjusted to remove the effects of short-term volatility*costs) for the year ended 31 December 2001 -+2001 US GAAP basis result to UK GAAP result3Averaged realised (losses) gains [ see schedule 5 ]A(Loss) profit on ordinary activities before tax [including actualAFive year average included in UK statutory basis operating profit*~ LkIs #' !!o ,# $ Y% Z& '`))f*E,--+./$12k(44s&66{7\ 99`(;1=W>T?+AB CO E F-dHsJMNP}QR6'T'UW YeZL[\c\]v`ub c Ze g:kmto0qv ^@ 4u$zp}  dMbP?_*+%MN\\LNGOVPAPP02\PA116981ps XXA4ter 9 6''''" dXX??U4                               [  W X , # # { # #~ #D@~ #[@ ~ #^@# 6~ $@$ $## ~ $@  ~ $@$ \~ $@$ ]~ $@$ Q## ~ $@ ~ $ @#<T     &   ! 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