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D1_SODR;& ! D2_5YR1;6 ! D3_5YR2;& D4_ACCRUALS1;0 & D5_ACCRUALS2;- & D6_ACCRUALS3;- & D7_ACCRUALS4;@ & D8_ACCRUALS5;8 # E1_FINCAL;   ; 5  ;9  ;O  ; -  ;  ;  ;   ;.  ; 0  ;   ;:  ;4 XFIVE;%XFOUR: XONE;%XPRINT1: XPRINTALL:XSIX:  XTHREE;XTWO:O5 Z_CA35DF91_0FA9_42D5_BFAB_1F6D8573C175_.wvu.PrintArea; O5 Z_CA35DF91_0FA9_42D5_BFAB_1F6D8573C175_.wvu.PrintArea;O5 Z_FB6D2541_14AF_11D2_A7E7_0000F65A714E_.wvu.PrintArea; O5 Z_FB6D2541_14AF_11D2_A7E7_0000F65A714E_.wvu.PrintArea;O5 Z_FB6D2541_14AF_11D2_A7E7_0000F65A714E_.wvu.PrintArea;  O5 Z_FB6D2541_14AF_11D2_A7E7_0000F65A714E_.wvu.PrintArea;  O5 Z_FB6D2541_14AF_11D2_A7E7_0000F65A714E_.wvu.PrintArea;O5 Z_FB6D2541_14AF_11D2_A7E7_0000F65A714E_.wvu.PrintArea;#J0 Z_FB6D2541_14AF_11D2_A7E7_0000F65A714E_.wvu.Rows; J0 Z_FB6D2541_14AF_11D2_A7E7_0000F65A714E_.wvu.Rows;J0 Z_FB6D2541_14AF_11D2_A7E7_0000F65A714E_.wvu.Rows; J0 Z_FB6D2541_14AF_11D2_A7E7_0000F65A714E_.wvu.Rows; J0 Z_FB6D2541_14AF_11D2_A7E7_0000F65A714E_.wvu.Rows;J0 Z_FB6D2541_14AF_11D2_A7E7_0000F65A714E_.wvu.Rows;" Consistent with previous reporting practice, the Group analyses its EEV basis results and provides supplementary analysis of IFRS profit before tax attributable to shareholders, so as to distinguish operating profit based on longer-term investment returns from other constituent elements of total profit. On both the EEV and IFRS bases, operating earnings per share are calculated using operating profits from continuing operations based on longer-term investment returns, after tax and minority interests. These profits exclude goodwill impairment charges, short-term fluctuations in investment returns and the shareholders' share of actuarial and other gains and losses on defined benefit pension schemes. Under the EEV basis, where additional profit and loss effects arise, operating profit based on longer-term investment returns also excludes the mark to market value movement on core borrowings and the effect of changes in economic assumptions and changes in the time value of cost of options and guarantees arising from changes in economic factors. After adjusting for related tax and minority interests, the amounts for these items are included in the calculation of basic earnings per share.%SUMMARY CONSOLIDATED INCOME STATEMENTShareholder tax?Based on profit for the period after tax and minority interestsFor previous periods the new business for intermediated distribution of UK Insurance Operations have included Department of Work and Pensions (DWP) rebate business for SAIF. These are excluded from the table above with comparatives restated accordingly. The amounts of new SAIF DWP rebate business written was 60m for half year 2006, 80m for half year 2005 and 83m for full year 2005.Half Year 2006 Half Year 2005 Full Year 2005 Economic assumptions (continued)Standard deviations have been calculated by taking the annualised variance of the returns over all the simulations, taking the square root and averaging over all durations in the projection. For bonds the standard deviations relate to the yields on bonds of the average portfolio duration. For equity and property, they relate to the total return on these assets. The standard deviations applied to all periods presented in these statements are as follows:+CONSOLIDATED STATEMENT OF CHANGES IN EQUITY7CONSOLIDATED STATEMENT OF CHANGES IN EQUITY (continued)"SUMMARY CONSOLIDATED BALANCE SHEETqContract liabilities (including amounts in respect of contracts classified as investment contracts under IFRS 4) (SUMMARY CONSOLIDATED CASH FLOW STATEMENT1Shareholder acquisitions - Egg minority interests"PAC with-profits fund acquisitionsPAC with-profits fund disposalsUK restructuring costs (note 6)KBased on profit from continuing operations after tax and minority interests"The full year 2005 EEV basis financial statements included note disclosure that explained that in determining the appropriate expense assumptions for 2005 account had been taken of the cost synergies that were expected to arise with some certainty from the initiative announced on 1 December 2005 from UK insurance operations working more closely with Egg and M&G. Without this factor there would have been a charge for altered expense assumptions of approximately 55m. The half year 2006 EEV basis results have been prepared on the same basis.The EEV basis results have been prepared in accordance with the EEV Principles issued by the CFO Forum of European Insurance Companies in May 2004. Where appropriate the EEV basis results include the effects of adoption of International Financial Reporting Standards (IFRS).Asian Operations +Mark to market movements on core borrowings1Mark to market value movements on core borrowings@Adjustment for mark to market value movements on core borrowings(ii) [ For traditional business in Taiwan, the economic scenarios used to calculate the half year 2006 EEV basis results reflect the assumption of a phased progression of the bond yields from the current rates to the long-term expected rates. In preparing the half year 2006 EEV basis results the same basis has been applied as was used and disclosed for the full year 2005 results. This basis is that the projections assume that, in the average scenario, the current bond yields of around 2 per cent trend towards 5.5 per cent at 31 December 2012. Allowance is made for the mix of assets in the fund, future investment strategy and the market value depreciation of the bonds as a result of the assumed yield increases. This gives rise to an average assumed Fund Earned Rate that trends from 2.3 per cent to 5.4 per cent in 2013 and falls below 2.3 per cent for seven years due to the depreciation of bond values as yields rise. Thereafter, the Fund Earned Rate fluctuates around a target of 5.9 per cent. This compares to a grading of 3.4 per cent at 31 December 2004 to 5.9 per cent by 31 December 2012 for the 2004 results. Consistent with our EEV methodology, a constant discount rate has been applied to the projected cashflows].$Standard deviationHalf Year 2006 %Corporate bond yield Equities:UKOverseasJackson National Life(1)(2)Economic assumptionsUK Insurance Operations%US Operations (Jackson National Life)CExpected long-term spread between earned rate and rate credited to :policyholders for single premium deferred annuity business.US 10 year treasury bond rate at end of period%Expected long-term rate of inflation (3)Level of encumbered capitalqThe table below summarises the level of encumbered capital as a percentage of the relevant statutory requirement.9Capital as a percentage of relevant statutory requirement* Profit before tax represents income net of post-tax transfers to unallocated surplus of with-profits funds, before tax attributable to policyholders and unallocated surplus of with-profits funds, unit-linked policies and shareholders' profits. D Half Year Full Year!Results analysis by business areaJackson National Life Fund management /Interest payable on core structural borrowings 6Charge for share based payments for Prudential schemesTOperating profit from continuing operations based on longer-term investment returns %Goodwill impairment charge (note (i))XShort-term fluctuations in investment returns on shareholder-backed business (note (ii))kShareholders' share of actuarial and other gains and losses on defined benefit pension schemes (note (iii))IProfit from continuing operations before tax attributable to shareholders(i)QThe charges for goodwill impairment in 2005 relate to the Japanese life business.(ii) US Operations:JMovement in market value of derivatives used for economic hedging purposes:Actual less longer-term investment returns for other itemsOther operations GActuarial and other gains and losses on defined benefit pension schemesActuarial gains and lossesNon recurrent credit (charge)tShareholders' share of credit arising from reduction in assumed level of future discretionary increases for pensions9in payment of the Prudential Staff Pension Scheme to 2.5%bLoss on re-estimation of shareholders' share of deficit on the Prudential Staff Pension Scheme at 31 December 2005 to 30%sEffect of strengthening in actuarial provisions for increase in ongoing contributions for future service of active scheme membersEGSupplementary analysis of earnings per share from continuing operations)Adjustment for goodwill impairment chargevAdjustment for post-tax shareholders' share of actuarial and other gains and losses on defined benefit pension schemesFDividendG30 June 31 DecemberHOther borrowings FBorrowings in respect of short-term fixed income securities programmesJNon-recourse borrowings of investment subsidiaries managed by PPM America +Borrowings in respect of banking operations.Borrowings attributable to with-profits funds QStructural borrowings (subordinated debt of the Scottish Amicable Insurance Fund)UOther borrowings (predominantly external funding of consolidated investment vehicles)I Tax chargeJ ProvisionsK Fair valu< eon acquisitionOther current assetsOther non-current assets>Less liabilities, including current liabilities and borrowingsLess minority interestsNet assets acquiredGoodwillCash considerationFOperational borrowings attributable to shareholder-financed operations\Non-recourse borrowings of venture fund investment subsidiaries of the PAC with-profits fundKLess reclassification adjustment for gains included in the income statement-PRUDENTIAL PLC 2006 UNAUDITED INTERIM RESULTSOther Income and ExpenditureEarnings per share (in pence)- Total US OperationsTotal Asian OperationsLong-term business"Investment return and other incomeCorporate expenditure:Group Head OfficeAsia Regional Head OfficeExchange movements Related tax0Holding company net borrowings (at market value)Other items (note (ii)),Actual less expected return on scheme assetsLM(5)(6) NotesStatutory IFRS basis results >Profit after tax attributable to equity holders of the Company$Supplementary IFRS basis information9Dividends per share declared and paid in reporting period0Dividends per share relating to reporting periodFunds under management5.0bnCurian30 JuneGoodwill impairment charge-RESULTS SUMMARY,European Embedded Value (EEV) Basis Results*Half Year 2006Half Year 2005Full Year 2005S" The risk premium on equity assets is assumed to follow a log-normal distribution;" The corporate bond return is calculated as the return on a zero-coupon bond plus a spread. The spread process is a mean reverting stochastic process; and" Property returns are modelled in a similar fashion to corporate bonds, namely as the return on a riskless bond, plus a risk premium, plus a process representative of the change in residual values and the change in value of the call option on rents.@INTERNATIONAL FINANCIAL REPORTING STANDARDS (IFRS) BASIS RESULTSDiscontinued operationsAdjustment for post-tax effect of shareholders' share of actuarial and other gains and losses on defined benefit pension schemesEBased on profit from discontinued operations after minority interestsMUnrealised valuation movements on securities classified as available-for-sale%Acquisition of Egg minority interestsUK Operations:Asian Operations:RShareholders' capital and reserves at end of period (excluding minority interests)(NOTES ON THE UNAUDITED EEV BASIS RESULTSExpected returns on equity and property asset classes are derived by adding a risk premium, based on the long-term view of Prudential s economists in respect of each territory, to the risk-free rate. In the UK the equity risk premium is 4.0 per cent (half year 2005: 3.0 per cent; full year 2005: 4.0 per cent) above risk-free rates. The equity risk premium in the US is 4.0 per cent (half year 2005: 3.0 per cent, full year 2005: 4.0 per cent). In Asia, equity risk premiums range from 3.0 per cent to 5.75 per cent (half year 2005: 2.75 per cent to 5.25 per cent, full year 2005: 3.0 per cent to 5.75 per cent). Assumptions for other asset classes, such as corporate bond spreads, are set consistently as best estimate assumptions.(i) The assumptions shown are for US dollar denominated business which comprises the largest proportion of the in force Hong Kong business. In most countries, the long-term expected rates of return on investments and risk discount 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 and US long-term business operations. For the Group s Asian operations, the active basis is appropriate for business written in Japan, Korea and US dollar denominated business written in Hong Kong.JAn exception to this general rule is that for countries where long-term fixed interest markets are underdeveloped, investment return assumptions and risk discount rates are based on an assessment of longer-term economic conditions. Except for the countries listed above, this basis is appropriate for the Group s Asian operations.@Gains (losses) on changes of assumptions for scheme liabilities** The gains and losses on changes of assumptions for scheme liabilities primarily reflect movements in yields on good quality corporate bonds. These yields are used to discount the projected pension scheme benefit payments. 30 June 2006 5.5%31 December 2005 4.8% 30 June 2005 5.0%31 December 2004 5.3%The discount rates applied for the Group's UK defined benefit schemes, and reflected in the gains and losses shown above, are as follows:>Core structural borrowings of shareholder-financed operations:OOperational borrowings attributable to shareholder-financed operations (note I)PObligations under funding, securities lending and sale and repurchase agreementsM Short-term fluctuations in investment returns on shareholder-backed business,Shareholder-financed operations (note (iv)):;Profit before tax represents income net of post-tax transfers to unallocated surplus of with-profits funds, before tax attributable to policyholders and unallocated surplus of with-profits funds, unit-linked policies and shareholders' profits. It does not represent profit before tax attributable to shareholders.GDeferred acquisition costs (excluding changes taken directly to equity)Structural borrowings of shareholder-financed operations consist of the core debt of the parent company and related finance subsidiaries, Jackson National Life surplus notes and Egg debenture loans. Core debt excludes borrowings to support short-term fixed income securities reinvestment programmes and non-recourse borrowings of investment subsidiaries of shareholder-financed operations. Cash flows in respect of these borrowings are included within operating cash flows.UBased on EEV basis shareholders capital and reserves of 10,932m (9,114m, 10,301m)=Number of issued shares at end of reporting period (mil< lions)^Attributable to the PAC with-profits fund (in respect of venture fund investment subsidiaries)Shareholders' equity (note H)6Borrowings attributable to with-profits funds (note I)*NOTES ON THE UNAUDITED IFRS BASIS RESULTS 5NOTES ON THE UNAUDITED IFRS BASIS RESULTS (CONTINUED)(Experience (losses) gains on liabilitiesAcquisitions and disposalsIn December 2005, the Company announced its intention to acquire the minority interests in Egg representing approximately 21.7 per cent of the existing issued share capital of Egg. The whole of the minority interests were acquired in the first half of 2006. Under the terms of the offer, Egg shareholders received 0.2237 new ordinary shares in the Company for each Egg share resulting in the issue of 41.6m new shares in the Company.|" Acquisition of 53 per cent of the voting equity interests of Histoire D'or, a jewellery retail company, in April 2006; and" Acquisition of 51 per cent of the voting equity interests of Azzuri Communications, a business IT services company, in June 2006.]These acquisitions are considered individually immaterial and therefore all 2006 half year information in the following table has been presented in aggregate. Due to the nature of the investments, it is not practicable to provide certain information for acquisitions occuring in the 2006 half year, including the pro forma Group revenue and consolidated net profit information as if the acquisitions had occurred at the beginning of the year, and the carrying amounts, in accordance with IFRS, of each class of the acquiree's assets, liabilities, and contingent liabilities immediately before acquisition.There are no intangible assets that were not recognised separately from goodwill for these companies because the fair value of the intangible asset could not be reliably measured.>As at 31 December 2005, two venture subsidiaries were classified as held for sale; Upperpoint Distribution Limited and Taverner Hotel Group Pty Ltd. The sale of these venture subsidiaries was completed in the 2006 half year. In addition, two additional venture subsidiaries of the PAC with-profits fund were disposed of during the period, namely Orefi and Aperio Group Pty Ltd. Total cash consideration received was 93m. Goodwill of 44m and cash and cash equivalents of 13m were disposed of. There are no venture subsidiaries classified as held for sale at 30 June 2006."UK Insurance Operations (note (i))The reduction in shareholders' equity of 22m includes 20m relating to certain unit-linked and similar contracts that do not contain significant insurance risk and are therefore categorised as investment contracts under IFRS 4.9(d) Consistent with prior periods for the Taiwan operation, the projections include an assumption of phased progression of the bond yields of around 2% towards 5.5% at 31 December 2012 as described in the section on economic assumptions of this announcement. This takes into account the effect on bond values of interest rate movements. The principal cause of the 265m charge for the effect of changed economic assumptions is the reduction in short-term earned rates in Taiwan. This reduction has the effect of delaying the emergence of the expected long-term rate. Movement on cash flow hedges$Discontinued operations (net of tax)Profit for the period Dividends469m957m748m5.2bn300m Share capital Share premium* Basis of preparationDevelopment expensesOther income and expenditure-Short-term fluctuations in investment returnsM&GEggAsian OperationsAttributable to:Total Half YearMinority interestsEquity holders of the CompanyNew share capital subscribed>Movement in own shares in respect of share-based payment plansRMovement on ԰Ƶ shares purchased by unit trusts consolidated under IFRS5.30pm1Effect of adoption of IAS 32, IAS 39, and IFRS 4 bThe impact on total equity of adopting IAS 32, IAS 39 and IFRS 4 at 1 January 2005 was as follows:Shareholders' equity Minority interests Total equity =Changes on adoption of IAS 32, IAS 39 and IFRS 4 relating to:BThe changes shown above reflect the impact of re-measurement for : (i) (ii) (iii)$Banking and non-insurance operations!Jackson National Life (note (ii))1Banking and non-insurance operations (note (iii))`Operating earnings per share from continuing operations after related tax and minority interests 8.7 to 9.4449m453m4TOTAL INSURANCE AND INVESTMENT PRODUCTS NEW BUSINESSSAIF is a ring-fenced sub fund of the PAC long-term fund, established by a Court approved Scheme of Arrangement in October 1997. SAIF is closed to new business and the assets and liabilities of the fund are wholly attributable to the policyholders of the fund. In 2006, a bulk annuity arrangement between SAIF and Prudential Retirement Income Limited (PRIL), a shareholder-owned subsidiary took place, as explained in note 5. Reflecting the altered economic interest for SAIF policyholders and Prudential shareholders, this arrangement represents a transfer from business of the Group that is not 'covered' to business that is 'covered' with consequential effect on the EEV basis results.CThe rates to which the model has been calibrated are set out below.The table below identifies the net assets acquired and reconciles this amount to the consideration paid for the ventures acquisitions in the six months to 30 June 2006:The EEV results for the Group are prepared for 'covered business', as defined by the EEV Principles. Covered business represents the Group's long-term insurance business for which the value of new and in-force contracts is attributable to shareholders. The EEV basis results for the Group's covered business are then combined with the IFRS basis results of the Group s other operations.As regards the Group s defined benefit pension schemes, the surplus and deficit attaching to the Prudential Staff Pension Scheme (PSPS) and Scottish Amicable Pension scheme are excluded from the value of UK Operations and included in the total for Other Operations. The surplus and deficit amounts are partially attributable to the Prudential Assurance Company (PAC) with-profits fund and shareholder-backed long-term business and partially to other parts of the Group. In addition to the IFRS surplus or deficit, the shareholders' 10 per cent share of the PAC with-profits sub-fund's interest in the movement on the financial position of the schemes is recognised for EEV reporting purposes.!UK Business (excluding annuities)100% of EU MinimumUK Annuity Business235% of Company Action Level5100% of Financial Conglomerates Directive requirementThe most significant equity holdings in the Asian operations are in Hong Kong, Singapore and Malaysia.< The mean equity return assumptions for those territories at 30 June 2006 were 9.2 per cent (30 June 2005: 7.3 per cent, 31 December 2005: 8.6 per cent), 9.3 per cent (30 June 2005: 9.75 per cent, 31 December 2005: 9.3 per cent) and 12.8 per cent (30 June 2005: 12.25 per cent, 31 December 2005: 12.8 per cent) respectively. To obtain the mean, an average over all simulations of the accumulated return at the end of the projection period is calculated. The annual average return is then calculated by taking the root of the average accumulated return minus 1.The same asset return model, as used in the UK, appropriately calibrated, has been used for the Asian operations. The principal asset classes are government and corporate bonds. Equity holdings are much lower than in the UK whilst property is not held as an investment asset.]" Interest rates are projected using a log-normal generator calibrated to actual market data;" corporate bond returns are based on Treasury securities plus a spread that has been calibrated to current market conditions and varies by credit quality; andxThe stochastic cost of guarantees are only of significance for the Hong Kong, Singapore, Malaysia and Taiwan operations.(4)jBulk annuity reinsurance from the Scottish Amicable Insurance Fund to Prudential Retirement Income LimitedThe mean stochastic returns are consistent with the mean deterministic returns for each country. The volatility of equity returns ranges from 18% to 26%, and the volatility of government bond yields ranges from 1.6% to 8.9%. [check]NOTES ON THE EEV BASIS RESULTSGross Inflows RedemptionsMarket and other Movements 30 June 2006*The format of the tables shown above is consistent with the distinction between insurance and investment products as applied for previous financial reporting periods. Products categorised as "insurance" refer to those classified as contracts of long-term insurance business for regulatory reporting purposes, i.e. falling within one of the classes of insurance specified in part II of Schedule 1 to the Regulated Activities Order under FSA regulations.Half Year 2006 m#Earned premiums, net of reinsuranceInvestment income Other income*Total revenue, net of reinsurance (note C)MBenefits and claims and movement in unallocated surplus of with-profits funds1Acquisition costs and other operating expenditureSFinance costs: Interest on structural borrowings of shareholder financed operationsTotal charges (note C)Profit before tax* (note C)*Tax attributable to policyholders' returns7Profit before tax attributable to shareholders (note D)6Less: Income tax attributable to policyholders returns+Profit from continuing operations after taxProfit for the period \Based on profit from continuing operations attributable to the equity holders of the Company&Dividends relating to reporting periodFinal dividend (2005)/Dividends declared and paid in reporting periodRetained earningsTranslation reserve%Available-for-sale securities reserveHedging reserveShareholders' equity Total equityReserves$Items recognised directly in equity:bUnrealised valuation movements on securities classified as available-for-sale from 1 January 2005 3Unrealised holding losses arising during the periodLLess reclassification adjustment for losses included in the income statement!Unrealised investment losses, netHRelated change in amortisation of deferred income and acquisition costs *Total items recognised directly in equity 'Total income and expense for the period5Reserve movements in respect of share-based payments Change in minority interests arising principally from purchase and sale of venture investment companies and property partnerships of the PAC with-profits fundShare capital and share premiumSTransfer to retained earnings in respect of shares issued in lieu of cash dividendsTreasury shares!Net increase (decrease) in equityAt beginning of periodAt end of periodProfit for the year1Unrealised holding losses arising during the year%Total income and expense for the yearAt beginning of yearAt end of year30 June 2006 m30 June 2005 m31 December 2005 mAssets Goodwill:Attributable to shareholdersTotal ,Present value of acquired in-force contracts)Other non-investment and non-cash assets:Property, plant and equipment(Reinsurers' share of contract provisionsDeferred tax assetsCurrent tax recoverableAccrued investment income Other debtors@Investments of long-term business, banking and other operations:Investment properties1Investments accounted for using the equity methodFinancial investments:Loans and receivables7Equity securities and portfolio holdings in unit trustsDebt securitiesOther investments Deposits Total investmentsCash and cash equivalents Total assetsEquity and liabilitiesEquity LiabilitiesBanking customer accountsGPolicyholder liabilities and unallocated surplus of with-profits funds:)Unallocated surplus of with-profits fundsTotal insurance liabilities"Subordinated debt (other than Egg)Egg subordinated debt capitalOther borrowings: Other non-insurance liabilities:ZNet asset value attributable to unit holders of consolidated unit trusts and similar fundsCurrent tax liabilitiesDeferred tax liabilitiesAccruals and deferred incomeOther creditorsOther liabilitiesHeld for sale liabilitiesTotal liabilitiesTotal equity and liabilities(Net cash flows from operating activitiesProfit before tax (note (i))7Changes in operating assets and liabilities (note (ii)))Net cash flows from investing activities ENet cash flows from purchases and disposals of property and equipment>Acquisition of subsidiaries, net of cash balances (note (iii));Disposal of subsidiaries, net of cash balances (note (iii))(Net cash flows from financing activities#Structural borrowings of the Group:Interest paid #With-profits operations (note (v)): Interest paid Issues of ordinary share capitalDividends paid to shareholders4Net increase (decrease) in cash and cash equivalents0Cash and cash equivalents at beginning of period=Effect of exchange rate changes on cash and cash equivalents (i) (ii)Deferred acquisition costs)Other non-investment and non-cash assets Investments 8Policyholder liabilities (including unallocated surplus)4Other liabilities (including operational borrowings)+Changes in operating assets and liabilities(iii)(iv) (v)(vi)A%Basis of preparation and audit statusBSignificant accounting policiesThe accounting policies applied by the Group in these condensed consolidated financial statements are the same as those previously applied in the Group's consolidated financial statements for the year ended 31 December 2005.CSegment disclosure2006 m2005 mRevenueBanking Unallocated corporate"Total revenue per income statementnCharges (before income tax attributable to policyholders and unallocated surplus of long-term insurance funds)]Long-term business, including post-tax transfers to unallocated surplus of with-profits funds#Total charges per income statement +UK Insurance Operations expense assumptionscThe EEV basis results have been prepared in accordance with the European Embedded Value Principles issued by the CFO Forum of European Insurance Companies in May 2004. The basis of preparation of statutory IFRS basis results and supplementary IFRS basis information is consistent with that applied for the 2005 full year results and financial statements. Interim dividend (2006 and 2005)dSupplementary analysis of profit from continuing operations before tax attributable to shareholders 7Less: amounts attributable to the PAC with-profits fundAdjustment from post-tax longe< r-term investment returns to post-tax actual investment returns (after related minority interests)HThe PAC with-profits fund acquires a number of venture capital holdings through PPM Capital in which the Group is deemed to have a controlling interest, in aggregate with, if applicable, other holdings held by, for example, the Prudential Staff Pension Scheme. There were two such acquisitions during the period to 30 June 2006:PThe results of the acquisitions have been included in the consolidated financial statements of the Group commencing on the respective dates of acquisition. The earnings contributed by these acquisitions to the income statement is insignificant and is also reflected as part of the change in unallocated surplus of the with-profits fund.PIn projecting forward the Fund Earned Rate allowance is made for the mix of assets in the fund, future investment strategy, and further market value depreciation of bonds held as a result of assumed future yield increases. These factors, together with the assumption of the phased progression in bond yield give rise to an average assumed Fund Earned Rate that trends to 5.4 per cent in 2013. Thereafter, the assumed Fund Earned Rate fluctuates around a target of 5.9 per cent. Consistent with the EEV methodology applied, a constant discount rate has been applied to the projected cashflows.The definition of long-term business operations is consistent with previous practice and comprises those contracts falling under the definition of long-term insurance business for regulatory purposes together with, for US Operations, contracts that are in substance the same as guaranteed investment contracts (GICs) but do not fall within the technical definition. Under the EEV Principles, the results for covered business incorporate the projected margins of attaching internal fund management.SOperating profit from continuing operations based on longer-term investment returnsUK insurance operationsAsian operations^Shareholders share of actuarial and other gains and losses on defined benefit pension schemesZEffect of changes in economic assumptions and time value of cost of options and guaranteesRProfit from continuing operations before tax (including actual investment returns)Basic earnings per share 9.1bn+EUROPEAN EMBEDDED VALUE (EEV) BASIS RESULTSTProfit from continuing operations for the period after tax before minority interestsContinuing operationshFrom operating profit, based on longer-term investment returns, after related tax and minority interests*Adjustment for goodwill impairment charge ^Adjustment from post-tax longer-term investment returns to post-tax actual investment returns rAdjustment for post-tax effect of changes in economic assumptions and time value of cost of options and guaranteesCBased on profit from continuing operations after minority interests20.7p0.0p0.1p66.9p#Average number of shares (millions)+Dividends relating to the reporting period:11.02p16.32p4Dividends declared and paid in the reporting period:Current year interim dividendFinal dividend for prior year10.65p15.95pTOPERATING PROFIT FROM CONTINUING OPERATIONS BASED ON LONGER-TERM INVESTMENT RETURNS*!Results Analysis by Business Area UK Operations New businessBusiness in force!Broker-dealer and fund managementFund management.Interest payable on core structural borrowings6Charge for share-based payments for Prudential schemes"Analysed as profits (losses) from:Asia development expensesOther operating resultsMMOVEMENT IN SHAREHOLDERS' CAPITAL AND RESERVES (excluding minority interests)CProfit for the period attributable to equity holders of the CompanyItems taken directly to equity:ZCumulative effect of IAS 32, IAS 39 and IFRS 4, net of applicable taxes, at 1 January 20054Reserve movements in respect of share-based paymentsTreasury shares:2Net increase in shareholders capital and reservesYShareholders capital and reserves, at beginning of period (excluding minority interests)RShareholders capital and reserves at end of period (excluding minority interests) Comprising:M&G: Net assetsAcquired goodwillOther operations:Other net liabilities%SUMMARISED CONSOLIDATED BALANCE SHEET8Total assets less liabilities, excluding insurance fundsLess insurance funds:*aPolicyholder liabilities (net of reinsurers share) and unallocated surplus of with-profits funds=Less shareholders accrued interest in the long-term businessTotal net assets$Additional EEV basis retained profitAShareholders capital and reserves (excluding minority interests)h*Including liabilities in respect of insurance products classified as investment contracts under IFRS 4.BASIS OF PREPARATION OF RESULTSThe EEV results for the Group include the results for the covered business on the EEV basis. These results are then combined with the IFRS basis results of the Group s other operations.yThe directors are responsible for the preparation of the supplementary information in accordance with the EEV Principles.ECONOMIC ASSUMPTIONS DeterministicThe investment return assumptions as derived above are applied to the actual assets held at the valuation date to derive the overall fund-earned rate.?The table below summarises the principal financial assumptions:30 Jun31 Dec20062005%Risk discount rate:In force>Pre-tax expected long-term nominal rates of investment return: UK equitiesOverseas equities 7.0 to 7.9 8.1 to 8.75PropertyGiltsCorporate bonds$Expected long-term rate of inflation3Post-tax expected long-term nominal rate of return:'Pension business (where no tax applies) Life business%US operations (Jackson National Life)@Expected long-term spread between earned rate and rate credited YTotal operating profit from continuing operations based on longer-term investment returns=to policyholders for single premium deferred annuity business.US 10-year treasury bond rate at end of periodAPre-tax expected long-term nominal rate of return for US equities Hong KongTaiwanChina (note iii)India IndonesiaJapanKoreaMalaysiaq" variable annuity equity and bond returns have been stochastically generated using a regime-switching log-normal model with parameters determined by reference to historical data. The volatility of equity fund returns ranges from 18.6 per cent to 28.1 per cent, depending on risk class, and the volatility of bond funds ranges from 1.4 per cent to 1.7 per cent. [check]The same asset return model, as used in the UK, appropriately calibrated, has been used for the Asian operations. The principal asset classes are government and corporate bonds. Equity holdings are much lower than in the UK whilst property is not held as an investment asset." Corporate bond returns are based on Treasury securities plus a spread that has been calibrated to current marke< t conditions and varies by credit quality; andi" Variable annuity equity and bond returns have been stochastically generated using a regime-switching log-normal model with parameters determined by reference to historical data. The volatility of equity fund returns ranges from 18.6 per cent to 28.1 per cent, depending on risk class, and the volatility of bond funds ranges from 1.4 per cent to 2.0 per cent..In adopting the EEV Principles, ԰Ƶ has based encumbered capital on its internal targets for economic capital subject to it being at least the local statutory minimum requirements. Economic capital is assessed using internal models, but when applying EEV Prudential does not take credit for the significant diversification benefits that exist within the Group. For with-profits business written in a segregated life fund, as is the case in the UK and Asia, the capital available in the fund is sufficient to meet the encumbered capital requirements.Expected returns on equity and property asset classes are derived by adding a risk premium, also based on the long-term view of Prudential s economists in respect of each territory, to the risk-free rate. In the UK the equity risk premium is X.0 per cent (half year 2005: 3.0 per cent; full year 2005: 4.0 per cent) above risk-free rates. The equity risk premium in the US is X.X per cent (half year 2005: 3.0 per cent, full year 2005: 4.0 per cent). In Asia, equity risk premiums range from X.X per cent to X.X per cent (half year 2005: 2.75 per cent to 5.25 per cent, full year 2005: 3.0 per cent to 5.75 per cent). Assumptions for other asset classes, such as corporate bond spreads, are set consistently as best estimate assumptions.The most significant equity holdings in the Asian operations are in Hong Kong, Singapore and Malaysia. The mean equity return assumptions for those territories at 30 June 2006 were X.X per cent (30 June 2005: 7.3 per cent, 31 December 2005: 8.6 per cent), X.X per cent (30 June 2005: 9.75 per cent, 31 December 2005: 9.3 per cent) and X.X per cent (30 June 2005: 12.25 per cent, 31 December 2005: 12.8 per cent) respectively. To obtain the mean, an average over all simulations of the accumulated return at the end of the projection period is calculated. The annual average return is then calculated by taking the root of the average accumulated return minus 1.gThe economic assumptions used for the stochastic calculations are consistent with those used for the deterministic calculations described above. Assumptions specific to the stochastic calculations such as the volatilities of asset returns reflect local market conditions and are based on a combination of actual market data, historic market data and an assessment of longer-term economic conditions. Common principles have been adopted across the Group for the stochastic asset models, for example, separate modelling of individual asset classes but with allowance for correlation between the various asset classes.Standard deviations have been calculated by taking the annualised variance of the returns over all the simulations, taking the square root and averaging over all durations in the projection. For bonds the standard deviations relate to the yields on bonds of the average portfolio duration. For equity and property, they relate to the total return on these assets. The standard deviations applied are as follows:aOperating earnings from continuing operations per share after related tax and minority interests*Total long-term businessTax expense (note E)eBased on profit from continuing operations attributable to the equity holders of the Company (note F))Interim dividend (2006 and 2005) (note G)Issue of borrowings (ii) For traditional business in Taiwan, the economic scenarios used to calculate the half year 2006 EEV basis results reflect the assumption of a phased progression of the bond yields from the current rates applying to the assets held to the long-term expected rates. Held for sale assets (b) Under the EEV basis, the operating profit from new business represents the profitability of new long-term insurance business written in the period, and the operating profit from business in force represents the profitability of business in force at the start of the period. These results are combined with the IFRS basis results of the Group's other operations including banking and fund management business. To the extent applicable, presentation of the EEV profit for the period is consistent with the basis the Group applies for analysis of IFRS basis profits before shareholder taxes between operating and non-operating results. Operating results reflect the underlying results of the Group's continuing operations including longer-term investment returns. Non-operating results include certain recurrent and exceptional items that primarily do not reflect the underlying performance in the period of the Group's continuing operations.The recurrent items that are excluded from operating profit are short-term fluctuations in investment returns, the effects of changes in economic assumptions on shareholders' funds at the start of the period, the change in the time value of the cost of financial options and guarantees attributable to changes in economic circumstances, and actuarial gains and losses on defined benefit pension schemes. The proportion of surplus allocated to shareholders from the UK with-profits business has been based on the present level of 10%. Future bonus rates have been set at levels which would fully utilise the assets of the with-profits fund over the life of the business in force.The mean stochastic returns are consistent with the mean deterministic returns for each country. The volatility of equity returns ranges from 18 per cent to 26 per cent, and the volatility of government bond returns ranges from 1.6 per cent to 8.9 per cent.Under IAS 39, for Egg, changes to opening equity at 1 January 2005 arise from altered policies for effective interest rate on credit card receivables, impairment losses on loans and advances, fair value adjustments on wholesale financial instruments and embedded derivatives in equity savings products. The net effect on shareholders' equity of these changes, after tax, is a deduction of 15m. A further 10m reduction in equity arises on certain centrally held financial instruments and derivatives. Full Year/Intra-group revenue eliminated on consolidation/Intra-group charges eliminated on consolidation>Basic (based on 2,403m, 2,361m and 2,365m shares respectively)@Diluted (based on 2,406m, 2,364m and 2,369m shares respectively)^Based on profit from discontinued operations attributable to the equity holders of the CompanyaOperating profit based on longer-term investment returns after related tax and minority interestsDividends per share (in pence)The details shown above for insurance products include contributions for contracts that are classified under IFRS 4 "Insurance Contracts" as not containing significant insurance risk. These products are described as investment < contracts or other financial instruments under IFRS. Contracts included in this category are primarily certain unit-linked and similar contracts written in UK Insurance Operations and Guaranteed Investment Contracts and similar funding agreements written in US operations. $Net asset value per share (in pence)LAn exception to this general rule is that for countries where long-term fixed interest markets are less established, investment return assumptions and risk discount rates are based on an assessment of longer-term economic conditions. Except for the countries listed above, this basis is appropriate for the Group s Asian operations.(note i)&Weighted risk discount rate (note iii)(iii) The weighted discount rates for the Asian operations shown above have been determined by weighting each country s discount rates by reference to the EEV basis operating result for new business and the closing value of in force business.\The charge of 18m for restructuring costs comprises 17m recognised on the IFRS basis and an additional 1m recognised on the EEV basis for the shareholders' share of costs incurred by the PAC with-profits sub-fund. The costs relate to the initiative announced on 1 December 2005 for UK Insurance operations to work more closely with Egg and M&G.* Profit before tax represents income net of post-tax transfers to unallocated surplus of with-profits funds, before tax attributable to policyholders and unallocated surplus of with-profits funds, unit-linked policies and shareholders' profits.  Period ended 30 June 2006 Period ended 30 June 2005Year ended 31 December 2005Redemption of borrowingsThe adjusting items to profit before tax include changes in operating assets and liabilities, and other items comprising adjustments in respect of non-cash items, operational interest receipts and payments, dividend receipts, income tax paid and cash flows in respect of assets categorised as available-for-sale investments. The most significant elements of the adjusting items within changes in operating assets and liabilities are as follows:The total tax charge of 404m for the 2006 half year (2005 half year 338m) comprises 220m (217m) UK tax and 184m (121m) overseas tax. This tax charge comprises tax attributable to policyholders and unallocated surplus of with-profits funds, unit-linked policies and shareholders. The tax charge attributable to shareholders of 242m for the 2006 half year (2005 half year 156m) comprises 95m (52m) UK tax and 147m (104m) overseas tax.AInternational Financial Reporting Standards (IFRS) Basis Results*,The tables shown above are provided as an indicative volume measure of transactions undertaken in the reporting period that have the potential to generate profits for shareholders. The amounts shown are not, and not intended to be, reflective of premium income recorded in the IFRS income statement.UK restructuring costs\* EEV basis operating profit from continuing operations based on longer-term investment returns excludes goodwill impairment charges, short-term fluctuations in investment returns, the mark to market value movement on core borrowings, the shareholders' share of actuarial and other gains and losses on defined benefit pension schemes and the effect of changes in economic assumptions and changes in the time value of cost of options and guarantees caused by economic factors. The amounts for these items are included in total EEV profit. The directors believe that operating profit, as adjusted for these items, better reflects underlying performance. Profit on ordinary activities and basic earnings per share include these items together with actual investment returns. This basis of presentation has been adopted consistently throughout this interim report.'Statutory basis shareholders reserves (a) The EEV basis results for 2005 have been derived from the EEV basis results supplement to the Company's statutory accounts for 2005. The supplement included an unqualified audit report from the auditors.The EEV basis embedded value of the Taiwan life operation at 30 June 2006 (31 December 2005) was XXXm ((311)m) with sensitivities to bond rates as follows:(e) Additional analysis of the Group's EEV basis results and sensitivities of these results to alternative assumptions can be found at the Group's website at www.prudential.co.uk or on request.]h A 100 basis point fall in starting bond rates would reduce embedded value by XXXm (108m).ch A 100 basis point increase in starting bond rates would increase embedded value by XXXm (104m).h A 100 basis point parallel decrease in bond rates with an equivalent adjustment to the risk discount would reduce embedded value by XXXm (174m).h A 100 basis point parallel increase in bond rates with an equivalent adjustment to the risk discount rate would increase embedded value by XXXm (106m).hThe EEV basis results have been prepared in accordance with the EEV principles issued by the CFO Forum of European Insurance Companies in May 2004 and expanded by the Additional Guidance on EEV Disclosures published in October 2005. Where appropriate the EEV basis results include the effects of adoption of International Financial Reporting Standards (IFRS). LWith two exceptions, covered business comprises the Group s long-term business operations. The definition of long-term business operations is consistent with previous practice and comprises those contracts falling under the definition of long-term insurance business for regulatory purposes together with, for US operations, contracts that are in substance the same as guaranteed investment contracts (GICs) but do not fall within the technical definition. Under the EEV principles, the results for covered business incorporate the projected margins of attaching internal fund management.EThe exceptions are for the closed Scottish Amicable Insurance Fund (SAIF) and in respect of the Group s defined benefit pension schemes. SAIF is closed to new business and the assets and liabilities of the fund are wholly attributable to the policyholders of the fund. As regards the Group s defined benefit pension schemes, the deficits attaching to the Prudential Staff Pension Scheme (PSPS) and Scottish Amicable scheme are excluded. These deficits are partially attributable to the Prudential Assurance Company (PAC) with-profits fund and shareholder< -backed long-term business.[Previously, the Group has reported supplementary information on the achieved profits basis for its interim and full year financial reporting. The adoption of the EEV basis reporting in place of achieved profits basis reporting reflects developments through the CFO Forum to achieve a better level of consistency and an improved embedded value methodology, and is applied by the major European insurance companies in their financial reporting.](7) Margins on new business premiumsHalf year 2006&New Business Premiums Annual premium equivalent&Present value of New Business Premiums$New Business Margin (APE)(PVNBP) ContributionHalf year 2005'New Business Premiums #New Business Margin UK Insurance Operations Full year 2005"New Business Margin *New business margins are shown on two bases, namely the margins by reference to Annual Premium Equivalents (APE) and the Present Value of New Business Premiums (PVNBP). APEs are calculated as the aggregate of regular new business premiums and one tenth of single new business premiums. PVNBPs are calculated as equalling single premiums plus the present value of expected premiums of new regular premium business. In determining the present value, allowance is made for lapses and other assumptions applied in determining the EEV new business new profit.The table of new business premiums and margins above excludes SAIF DWP rebate premiums. Comparatives for premiums for this business, which were previously included in the totals have been restated.In determining the EEV basis value of new business written in the year the policies incept, premiums are included in projected cash flows on the same basis of distinguishing annual and single premium business as set out for statutory basis reporting.New business contributions are determined by applying the economic and non-economic assumptions applying at the end of the reporting period. The contributions represent profits at the end of the reporting period. The IFRS basis results for the 2006 and 2005 half years are unaudited. The 2005 full year IFRS basis results have been derived from the 2005 statutory accounts. The auditors have reported on the 2005 statutory accounts which have been delivered to the Registrar of Companies. The auditors' report was not qualified and did not contain a statement under section 237(2) or (3) of the Companies Act 1985. The Company accounts for the purchase of minority interests using the economic entity method. Accordingly, 167m has been charged to retained earnings representing the difference between the consideration paid (including expenses) of 251m and the share of net assets acquired of 84m.With two exceptions, covered business comprises the Group s long-term business operations. The exceptions are for the closed Scottish Amicable Insurance Fund (SAIF) and for the presentational treatment of the financial position of two of the Group s defined benefit pension schemes. gIn preparing the half year 2006 EEV basis results the same approach has been applied as was used for the full year 2005 results. The 2005 year end basis was that, in the average scenario, bond yields trend from the then current levels of around 2 per cent towards 5.5 per cent at 31 December 2012. In the first six months of 2006 bond yields increased in a manner consistent with the assumed phased progression. However, these increases in bond yields consequently reduced the values of bonds held and, also consistent with the assumed phased progression, the Fund Earned Rate for half year 2006 was 0.2 per cent. 8In June 2006 Prudential Retirement Income Limited (PRIL), a shareholder-backed subsidiary of the Company, entered into a bulk annuity reinsurance arrangement with the Scottish Amicable Insurance Fund (SAIF) for the reinsurance of non-profit immediate pension annuity liabilities with a premium of 592m. SAIF is a closed ring-fenced sub-fund of the PAC long-term fund, which is solely for the benefit of SAIF policyholders. Shareholders have no interest in the profits of this sub-fund and, accordingly, it is not part of covered business for EEV reporting purposes.In June 2006 Prudential Retirement Income Limited (PRIL), a shareholder-backed subsidiary of the Company, entered into a bulk annuity reinsurance arrangement with the Scottish Amicable Insurance Fund (SAIF) for the reinsurance of non-profit immediate pension annuity liabiities with a premium of 592m. SAIF is a closed ring-fenced sub-fund of the PAC long-term fund, established by a Court approved Scheme of Arrangement in 1997, which is solely for the benefit of SAIF policyholders. As explained in the notes to the tables for the supplementary transaction measure of new business, the economic substance of the arrangement is a transfer of risks and rewards attaching to this business from SAIF policyholders to Prudential shareholders. Accordingly, for the purpose of those tables the reinsurance transaction has been recorded as 'new business'. For Group reporting purposes the amounts recorded by SAIF and PRIL for the premium are eliminated on consolidation.On 1 December 2005 the Company announced an initiative for UK Insurance Operations to work more closely with Egg and M&G and in the process facilitate the realisation of substantial annualised pre-tax cost savings and opportunities for revenue synergies. The one-off restructuring cost of achieving the savings was estimated to be 50m. As at 30 June 2006 17m of cost to shareholder-backed operations had been incurred.In the first half of 2006 the level of current and projected restructuring activity has increased as a result of an end to end review of the UK business, which is in progress, that is aimed at reducing the overall cost base. The total cost of implementing this and the previously announced restructuring (as noted above) is estimated at 110m to be incurred in 2006 and 2007, of which 70m is anticipated to be borne by the shareholder-backed UK Insurance Operations and Egg and 40m by the PAC with-profits fund.The initiative is expected to provide annual savings to the cost base of UK operations in aggregate of 40m. In addition, an end to end review of the UK business, with the aim of reducing the overall cost base is underway. Total UK annual savings, including the 40m mentioned above, are expected to be 150m per annum comprising 100m for Egg and shareholder-backed business of UK Insurance Operations and 50m attaching to the with-profits sub-fund. The savings for the UK Insurance Operations cover both acquisition and renewal activity. Reflecting the underlying trend in unit costs, the element of the additional savings of 110m that relates to long-term business is currently expected to be neutral in its effect on EEV basis results. +INSURANCE PRODUCTS AND INVESTMENT PRODUCTS*Insurance Products *Investment Products *Half Year 2006 mHalf Year 2005 mFull Year 2005 m US Operations Group Total>INSURANCE PRODUCTS - NEW BUSINESS PREMIUMS AND CONTRIBUTIONS *SingleRegular+Annual Premium and Contribution EquivalentsDirect to customerIndividual annuities -Individual pensions and life/Department of Work and Pensions rebate businessBusiness to BusinessCorporate pensionsBulk annuitiesIntermediated distribution *LifeIndividual annuities !Individual and corporate pensions PartnershipsLife Individual and bulk annuitiesDBulk annuity reinsurance from the Scottish Amicable Insurance Fund *#Individual and other bulk annuitiesEuropeTotal UK Insurance OperationsFixed annuitiesFixed index annuitiesVariable annuitiesGuaranteed Investment ContractsGIC - Medium Term NotesIndia (Group's 26% interest)Other< Annual premium and contribution equivalents are calculated as the aggregate of regular new business amounts and one tenth of single new business amounts. .INVESTMENT PRODUCTS - FUNDS UNDER MANAGEMENT * 1 Jan 2006 Philippines Singapore (note ii)ThailandVietnamExpected long-term rate of inflationGovernment bond yield Asia total$Weighted risk discount rate (note i)X.X(i) The weighted discount rates for the Asian operations shown above have been determined by weighting each country s discount rates by reference to the EEV basis operating result for new business and the closing value of in-force business.(iii) The assumptions shown are for US dollar denominated business which comprises the larger proportion of the in-force Hong Kong business. (iv) Assumed equity returns StochasticRDetails are given below of the key characteristics and calibrations of each model.Y" Interest rates are projected using a two-factor model calibrated to actual market data;S" the risk premium on equity assets is assumed to follow a log-normal distribution;" the corporate bond return is calculated as the return on a zero-coupon bond plus a spread. The spread process is a mean reverting stochastic process; and" property returns are modelled in a similar fashion to corporate bonds, namely as the return on a riskless bond, plus a risk premium, plus a process representative of the change in residual values and the change in value of the call option on rents.CThe rates to which the model has been calibrated are set out below:pMean returns have been derived as the annualised arithmetic average return across all simulations and durations.Aggregate goodwill of 313m has been recognised for the excess of the cost over the Group's interest in the net fair value of entities assets, liabilities and contingent assets in the 2006 half year.2Shareholders' equity, excluding minority interests3Shareholders' equity, excluding minority interests This interim financial information has been prepared using the accounting policies adopted by the Group in its last consolidated financial statements, as updated by any changes in accounting policies it intends to make in its next consolidated financial statements as a result of new or changed IFRSs that are already endorsed by the EU and that are applicable or available for early adoption for the next annual financial statements.The tables above include a bulk annuity transaction with the Scottish Amicable Insurance Fund (SAIF). The transaction reflects the arrangement entered into in June 2006 for the reinsurance of non-profit immediate pension annuity liabilities of SAIF to Prudential Retirement Income Limited (PRIL), a shareholder owned subsidiary of the Group. SAIF is a closed ring-fenced sub-fund of the PAC long-term fund established by a Court approved Scheme of Arrangement in October 1997, which is solely for the benefit of SAIF policyholders. Shareholders have no interest in the profits of this fund, although they are entitled to investment management fees on this business. The inclusion of the transaction between SAIF and PRIL as new business reflects the transfer from SAIF policyholders to Prudential shareholders' funds of longevity risk, the requirement to set aside supporting capital, and entitlement to surpluses arising on this block of business arising from the reinsurance arrangement.,Margins on new business premiums (continued)1Tax attributable to shareholders profits (note E).Acquisition of Egg minority interests (note J)Cumulative effect of changes in accounting policies on adoption of IAS 32, IAS 39 and IFRS 4, net of applicable taxes at 1 January 2005 (note M)=Costs incurred on purchase of Egg minority interests (note J)Equity capital (note (vi)):Acquisitions and disposals of subsidiaries shown above include venture subsidiaries of the PAC with-profits fund as shown in note J. In 2005, this also includes the purchase of Life Insurance Company of Georgia.UK restructuring costs (note L)WUK and Asian investment products referred to in the table for funds under management above are unit trust, mutual funds and similar types of retail fund management arrangements. These are unrelated to insurance products that are classifed as "investment contracts" under IFRS 4, as described in the preceding paragraph, although similar IFRS recognition and measurement principles apply to the acquisition costs and fees attaching to this type of business. US investment products are no longer included in the table above as they are assets under administration rather than funds under management.New business premiums for regular premium products are shown on an annualised basis. Department of Work and Pensions pension business is classified as single recurrent business. Internal vesting business is classified as new business where the contracts include an open market option.Pre-Tax New BusinessOther intangible assets:7Cash and cash equivalents at end of period (note (vii))(vii)Structural borrowings of with-profits operations relates solely to the 100m 8.5 per cent undated subordinated guaranteed bonds which contribute to the solvency base of the Scottish Amicable Insurance Fund (SAIF), a ring-fenced sub-fund of the PAC with-profits fund. Cash flows on other borrowings of with-profits funds, which principally relate to venture investment subsidiaries, are categorised as operating activities in the presentation above.Of the cash and cash equivalents amounts reported above 388m (half year 2005: 42m; full year 2005: 263m) represents cash and cash equivalents of the parent company and related finance subsidiaries.The half year 2005 financial statements published in July 2005 were prepared in accordance with the presentation, recognition and measurement bases that were expected to be applied for the full year 2005 results on first time adoption of International Financial Reporting Standards. The comparative half year 2005 results shown within this announcement include minor changes to those previously published arising from the refinement of these bases in the second half of 2005 prior to their application to the full year financial statements. Basis of preparation of results CConsistent with the transfer from uncovered to covered business and reflecting the transfer of longevity risk, requirement for capital support, and entitlement to profits on this block of business from SAIF to Prudential shareholders, the transaction has been accounted for as new business for EEV basis reporting purposes.Cash movements in equity capital exclude scrip dividends and share capital issued in respect of the acquisition of Egg minority interests.Under IAS 39, JNL's debt securities and derivative financial instruments are re-measured to fair value from the lower of amortised cost and, if relevant, impaired value. Fair value movements on debt securities, net of "shadow" changes to deferred acquisition costs and related deferred tax are recognised directly in equity. Fair value movements on derivatives are recorded in the income statement.5.42pThe interim dividend of 5.42p per share will be paid on 27 October 2006 to shareholders on the register at the close of business on 18 August 2006. 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