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�� �VcActual investment return on investments less long-term returns for the Half Year ended 30 June 2002?Five year average Included in operating result (See schedule 4)7Tax on profit of sale of UK general business operationsq200 per cent of the risk based capital required by the US Supervisory authorities must be retained. The impact ofJHeld within US Operations relating to broker dealer and banking businesses�reporting purposes the segmental result of Jackson National Life reflects its proportionate interests in the results of two investment2funds that are consolidated as quasi subsidiaries.~Actual investment return on investments less longer-term returns (net of related changes to amortisation of acquisition costs).Longer-term gains credited to operating result4Averaged realised gains on fixed maturity securities>Tax (credit) / charge on profit (loss) on ordinary activities Half of full years 1998 to 2001fEstimated unwind of discount applying the same economic assumptions as for the Half Year 2002 results.As previouslyFixed maturities&investment returns (See schedule 12) 3a4a8Other general business and shareholders investment gainsLong-term businessNew businessBusiness in forcePrudential AsiaTaxExchange movementsJackson National LifeAsia
operationsTotalUS $mUnwind of discountPre-taxNotetotalTotal SummaryPersistency OtherEuropeAmortisation of goodwillM&GbusinessUKGroupExternal dividendsLong-term business operations Long-term0Reconciliation of movement in shareholders fundsOther operationsOther assets!General business solvency capitalJacksonNationalLifeUK equitiesOverseas equitiesPropertyGiltsCorporate bondsPAC with-profit fund assets=Pre-tax expected long-term nominal rates of investment return$Expected long-term rate of inflation'Pension business (where no tax applies)Life business Risk discount rate Post-tax(Jackson National Life net of tax profitsPre capital chargeCapital chargePost capital charge
Schedule 7*Total tax on operating profit4Tax on short-term fluctuations in investment returns%Tax on profit on ordinary activities Shareholders' funds;Additional shareholders' interest on Achieved Profits basis*Achieved Profits basis shareholders' funds
Schedule 8Supplementary informationScheduleStatutory basis results%Statututory Basis shareholders' fundsPRUDENTIAL PLC-Short-term fluctuations in investment returns
Tax chargeFunds under managementAnalysis by business area,(including tax on actual investment returns)5Jackson National Life (net of surplus note borrowingsBefore capital charge After capital chargeShareholders' funds summaryHolding company net borrowings$Asia and Europe development expenses.Short-term fluctuations in investment returns EggUS$m*Operating result for UK reporting purposes
Exchange rate(Broker dealer and fund management result:Share of investment return of US managed investment funds Jconsolidated into Group results that is attributable to external investors interests2001
Schedule 54Intragroup dividends (including statutory transfer) 7Proceeds from issues of share capital by parent companyEarnings per share Post-tax and minority Earnings per share(pence)'Adjustment for amortisation of goodwill MinorityNotesNotes UK basis operating resultUS GAAPShort-term fluctuations in Long-term business 5a5bJackson National Life (note 5b)Achieved Profits basis results6a6b7a10a10bhIn determining the cost of capital of Jackson National Life it has been assumed that an amount equal to 11aBBased on operating profit after tax and related minority interests7Based on profit for the period after minority interests-,Current period realised and unrealised gainsAExcluding tax charge on broker dealer and fund management result.-Including tax relief on development expenses.PPM sch Funds under management - summary n
Business Area UK Operations US Operations Prudential Asia Prudential Europe Retained centrally5Total insurance and investment funds under managementManaged by:Prudential Portfolio ManagersOther managers2Funds under management - analysis by business areaInvestmentsFixed Income
held to coverEquities
SecuritiesLand and BuildingsOther Investmentslinked liabilities Published n n
UK Operations@Prudential EuropeRetained centrallyn/aGroup TotalNote Schedule 13Schedule 14Operating result!Reconciliation from US to UK GAAPReconciliation of movement.Return on surplus assets (over target surplus)Mortality and morbidityExpenses$US broker dealer and fund managementOther income and expenditure6Operating profit from new long-term insurance businessAnalysed as:Minority interests
Prudential4to post-tax actual investment returns (after relatedE(applying the rates listed above to the investments held by the fund)7Operating profit (including investment return based on long-term rates of returns)
Schedule 2
Schedule 3/US Operations (Jackson National Life) (note 3a)
Schedule 4
Schedule 66c6dOther US operations (note 7c)7b7cSchedule 12 Jackson National Life (note 12a)12b12aBShort-term fluctuations, net of related changes to amortisation ofCTransition write-down on implementation of EITF 99-20 for interests)Tax charge on operating profit (note 13a)13a13b13c13dSchedule 10 Jackson National Life (note 10a)UK Operations (note 5a)iShort-term fluctuations in investment returns represent the difference between actual investment returns nattributable to shareholders on the achieved profits basis and the return included within operating profit as described on schedule 4.!Short-term fluctuations comprise:514a As included in the consolidated balance sheet. Schedule 15US Operations (note 15a)P15a The fixed income securities of US Operations are valued at amortised cost.#Analysis of UK and Asian operationsSchedule 11 Basis GAAP purposes11b-
US OperationsSummary xThese two funds are consolidated as quasi-subsidiaries but have no net impact on pre-tax or post-tax operating profit. 'Operating profit from business in force*included within operating profit (note 5c)6Actual return on Separate Account business less return5cThis comprises:12c+included within operating profit (note 12b):Actual less longer-term return on equity based investments=Development costs included above (net of tax) borne centrallyacquisition costs comprise:2002 Unaudited Interim Results2002 Unaudited Interim results 2002 2002 5d*impairments for fixed maturity securities)FActual less averaged realised gains and losses (including impairments)'for fixed maturity securities (note 5d)Gains on preference shares/(after utilisation of available capital losses)RestatedSmoothed assets (note 7a)"Actual assets less smoothed assets,Excluding assets in excess of target surplus"Assets in excess of target surplus7d7e2002 200131 December 2001 �222m).Schedule 9.1Schedule 9.2$Basic earnings per share (note 9.2a)$Basic earnings per share (note 9.1a)
As previously published
Previously9.2a9.2b9.1a9.1bSchedule 1.1Schedule 1.2$Basic earnings per share (note 1.1a)1.1a1.1b$Basic earnings per share (note 1.2a)1.2a1.2b5restated for implementation of FRS 19 on deferred tax&Economic assumptions and sensitivitiesRisk discount rateFWeighted pre-tax expected long-term nominal rates of investment return-Weighted expected long-term rate of inflationWeighted risk discount rate UK long-term business operations;Jackson National Life (including altered spread assumption)2Economic assumptions and sensitivities (continued)Increase in rates of 1 %Decrease in rates of 1%Risk discount rat<� esQChange of renewal expense assumption resulting from closure of direct sales force$Experience variances and other itemsChange in operating assumptions4b0Operating profit before amortisation of goodwillFive year total0Jackson National Life result - reconciliation of&US GAAP basis result to UK GAAP resultSegmental result forUK Modified Statutory )Profit before tax after minority interest02001 - restated for the implementation of FRS 194Shareholders' capital and reserves at 1 January 20022Shareholders' capital and reserves at 30 June 2002Tax (charge) credit7Short-term fluctuations in investment returns - summary7.5% to 7.8%Date : 24 July 2002Date: 24 July 2002Half Year ended 30 June 20025Adjustment from post-tax long-term investment returns1.1czThe adjustment from post-tax long-term investment returns to post-tax actual investment returns includes investment returnuTotal profit, before and after tax, incorporating the adjustment from long-term returns to actual investment returns,(20.4)(2.4)1.2cHalf Year ended 30 June 2001Full Year 2001Half Year ended 30 June
Full Year Unwind of discount (note 4a)Unwind of discount -Loss from strengthening operating assumptionsDate : 24July 2002>Actual investment return on investments less long-term returnsbased on long-term rate (Tax charge on operating profit (note 6a)-Tax on items not included in operating profit5Tax on short-term fluctuations in investment returns*Tax on merger break fee, net of expenses 3Total tax on items not included in operating profit[Tax on operating profit based on long-term investment returns, excluding exceptional items.fComparatives for the Half Year ended 30 June 2001 have been restated for the implementation of FRS 19 0Profit on sale of UK general business operationsTax on operating profit)Tax on merger break fee, net of expenses Total tax charge4Tax on profit on sale of general business operations9.1cuTotal profit, before and after tax, incorporating the adjustment from long-term returns to actual investment returns 9.2c,General business and shareholders (note 12c)$for the Half Year ended 30 June 20022Realised and unrealised gains on preference shares=Shortfall of current year gains over long-term gains excluded8 from operating result but included in profit before tax Half Year Full YearExternal funds(1) Economic assumptionsQExpected long-term spread between earned rate and rate credited to policyholders Restated (note 7e)7f@includes losses of �9m attributable to these minority interests.@includes losses of �9m attributable to these minority interests. - - - - -0ordinary activities before tax arise as follows:in securitised financial assets -Jackson National Life (note 6b)Prudential Asia (note 6c)Prudential Europe (note 6c)
(note 13d)UK Operations Jackson National Life (note 13b)Prudential Asia (note 13c)Prudential Europe (note 13c)#General insurance and shareholders (note 6d).Five year average Included in operating result8Adjustment from post-tax long-term investment returns toHAdjustment for post-tax profit on sale of UK general business operations@includes losses of �1m attributable to these minority interests.Abefore amortisation of goodwill and exceptional items (note 9.1b)athat is attributable to external equity investors in two investment funds managed by PPM America.Abefore amortisation of goodwill and exceptional items (note 9.2b)yThe adjustment from post-tax long-term invetment returns to post-tax actual investment returns includes investment returnOn operating profit0On short-term-fluctuations in investment returnsNet income (note11b)UActual less averaged realised gains and losses for fixed maturities (see schedule 10)7Tax on profit on sale of UK general business operations0(after utilisation of available capital losses) on deferred tax.=Internal insurance and investment under management (note 14a)UThe weighted average number of shares for the Half Year ended 30 June 2002 is 1,986m.%Actual less average (See schedule 12)Half year 2002 ) Half Year ended 30 June 2002
eComparatives for the Half Year ended 30 June 2001 have been restated for the implementation of FRS 19 - -Spread (note 4b)4cHalf Year ended30 June 2001rthe related capital charge is to reduce Jackson National Life's shareholders' funds by �197m (30 June 2001 �260m,
-8Relates to broker dealer and fund management operations.tshareholders' funds at that date would have been lower by �17m. This represents a pre-tax loss of �22m less relatedUtax credit of �5m. Theses figures are analysed by business operation in schedule 8.
(note 11a)
to UK GAAPAdjustments:Operating profit before amortisation of goodwill (note11a)@Realised gains and losses (net of related change to amortisationof acquistion costs)Equities and preference sharesOn realised gains and lossesfor UK GAAP purposes.@Actual investment return on investments less longer-term returnsOperating profit@before amortisation of goodwill and exceptional items (note1.1b)@Adjustment for post-tax effect of change in economic assumptions>Adjustment for post-tax profit on sale of UK general business UThe weighted average number of shares for the Half Year ended 30 June 2002 is 1,986m.NT�The minority interests in the post-tax operating result relate to Egg and are less than �0.5m for the Half Year ended 30 June 2002.Abefore amortisation of goodwill and exceptional items (note 1.2b)VThe weighted average number of shares for the Half Year ended 30 June 2001 was 1,976m.OTFThe minority interests in the post-tax operating result relate to Egg.%US Operations (Jackson National Life)^The Prudential Asia economic returns have been determined by weighting each country's economicB(2) Half Year 2002 Results: Effect of altered economic assumptions9Half Year 2002 Pre-tax operating profit from new businessTCost of strengthened assumption for required capital for shareholder backed business<�Averaged realised losses and gains on bonds (See schedule 5)Experience variances :%Experience variances and other items 5General insurance and shareholders (See schedule 12) -1Tax on loss from changes in economic assumptionsUS Operations (note 7d)6of �164m (Half Year 2001 �178m, Full Year 2001 �172m))Capital charge (note 7b)uUK long-term business smoothed assets represent asset values adjusted to remove the effects of short-term volatility.*Total goodwill at 30 June 2002 comprises :Goodwill (note 7d)>Other operations relating to M&G and acquired Asian businessesvComparatives for the Half Year ended 30 June 2001 have been restated for the implementation of FRS 19 on deferred tax.xIf the economic assumptions applied for Half Year 2002 had been in place at 31 December 2001, the achieved profits basisProfit for the periodInvestment in operations 0Tax on effect of changes in economic assumptions)Effect of changes in economic assumptions(Profit on ordinary activities before taxVThe weighted average number of shares for the Half Year ended 30 June 2001 was 1,976m.The US GAAP results are shown after excluding minority interests and the impact of FAS133 on accounting for derivatives. For UK~The impact of profits and losses that are recognised under US GAAP as a result of the application of FAS133 for accounting forderivative instruments are excluded from the US GAAP results shown above as such gains and losses are not generally recognised |Except for impaired assets, fixed maturity securities are normally carried in the UK GAAP balance sheet at amortised cost €rather than market value. Accordingly, movements on unrealised appreciation for these securities, which are accounted for under iUS GAAP within Other Compreh<�@ensive Income, do not feature as a reconciling item in the table shown above.written in the relevant period..PRUDENTIAL PLC - NEW BUSINESS - HALF YEAR 2002+TOTAL INSURANCE AND INVESTMENT NEW BUSINESSUK & EuropeUS2002 HY2001 HY+/- (%)Total Insurance ProductsGroup Total INSURANCE OPERATIONSSingleRegularUK Insurance Operations :Individual PensionsCorporate PensionsIndividual Annuities Sub-TotalDSS RebatesBulk AnnuitiesTotal UK Insurance OperationsEuropean Insurance Operations:Insurance Products #Total European Insurance Operations(Total UK & European Insurance OperationsUS Insurance Operations:Fixed AnnuitiesEquity Linked Indexed AnnuitiesVariable AnnuitiesSub-total AnnuitiesGuaranteed Investment ContractsGIC - Medium Term NoteTotal US Insurance OperationsAsian Insurance Operations:!Total Asian Insurance Operations Notes to Schedules:>(1) Represents cash received from sale of investment products.8(2) Excluding sales through closed distribution channel.B(3) Closed distribution channel relates to the Direct Sales Force.�(4) Annual Equivalents (AE), calculated as regular new business contributions + 10% single new business contributions, are subject to roundings.�(6) Sales for overseas operations have been calculated using average exchange rates. The applicable rate for Jackson National Life is 1.44 (2001 - 1.44). -Total Investment Products - Gross Inflows (1)*Annual Equivalents (4)Direct Distribution (2) : Intermediated Distribution (2):
Total (2): Closed distribution channel (3)Insurance Products (5)�(5) The Central Provident Fund in Singapore was further liberalised in 2001 resulting in exceptional sales volume in the first half of 2001.INVESTMENT OPERATIONSM&G & UK Operations Asia Mutual FundsTotal Investment ProductsOpening FUM (as at 31/12/01)
Gross inflowsLess redemptions Net flowsOther movementsMarket and currency movementsNet movement in FUMClosing FUM INVESTMENT OPERATIONS - ANALYSIS.M&G Retail & UK Operations Investment ProductsM&G & UK OperationsIndiaINSURANCE OPERATIONS - ANALYSISSingle Regular Annual EquivalentAsian Insurance OperationsInsurance Products: Singapore Hong KongMalaysiaTaiwanTotal Asian Insurance PremiumsBANKING PRODUCTSUK Banking ProductsPrudential BankingTotal Deposit LiabilitiesPersonal Loans BookCredit Card ReceivablesTotal Retail AssetsUS Banking Products
Retail AssetsHong Kong MPF Products (7)UK Operations (8)
Taiwan (9) Japan (10) Other (11)�(7) Mandatory Provident Fund product sales in Hong Kong are included at Prudential's 36% interest of the Hong Kong MPF operation.C(8) Scottish Amicable and Prudential branded Investment Products. �(10) Insurance sales for Japan are included from 13 February 2001, the date of acquisition of Orico Life Insurance Company Limited. �(11) In Asia, 'Other' Insurance Products include Thailand, Indonesia, The Philippines, Vietnam, India (26% interest), China and Korea.K(12) Balance sheet figures have been calculated at closing exchange rates. Schedule 16Schedule 17Yassumptions by reference to the Achieved Proftis basis operating results for new businessQJackson National Life - actual less averaged realised gains and losses (including -ELonger-term investment returns included in UK basis operating profit )(3) Half Year 2002 Results: SensitivitiesMEMORANDUM ONLY4Estimated results applying same economic assumptionsas for Half Year 2002 results�(9) Opening FUM restated to incorporate Discretionary Asset Management Business in Taiwan and Portfolio Management Services in India.
Mortgage Bookminority interests, note 1.1c)minority interests, note 1.2c)CAdjustment for post-tax merger break fee (net of related expenses) mThe following rates have been used in calculating the achieved profits basis results for the Half Year 2002, Othe amended results for the Half Year 2001 and the Full Year results for 2001 :aPre-tax profits (losses) on changes in economic assumptions included within the profit (loss) on 30 June 2002 Shareholders' FundsjThe estimated increase (decrease) in the Half Year 2002 Group results that would arise from the following $changes in economic assumptions are:>Pre-tax expected long-term nominal rates of investment return:3Post-tax expected long-term nominal rate of return:,US Operations (Jackson National Life) (note)�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 year (adjusted for the effect of current year assumption changes); the expected return on smoothed surplus assets retained �within the PAC with-profits fund (see schedule 7), and the expected return on shareholders' assets held in other UK long-term business investment volatility.�operations. Surplus assets retained within the PAC with-profits fund are smoothed for this purpose to remove the effects of short-termdcomparative results have been reanalysed from those previously published, to reflect this treatment.�Spread experience variance is determined after taking account of longer-term returns on equity based investments. Half Year 2001 Actual less averageLong-term business: 2Net decrease in shareholders' capital and reservesjRealised gains (losses) arising in period (net of related change to amortisation of acquisition expenses).Ppost-tax actual investment returns (after related minority interests, note 9.1c)2post-tax actual investment returns (after related minority interests, note 9.2c)�of acquisition costs) on fixed maturity securities and equity based investments. In determining longer-term returns for fixed interest securities �UK basis operating profit for the Half Year ended 30 June 2002 includes longer term investment returns (net of related change to amortisation Sinvestments have been determined by applying a longer-term rate of return of 7.75%.�realised gains and losses have been included in operating results on a five year averaged basis. Longer-term returns on equity based �Z`B��oW�o��5,���f�w � G
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