Key Takeaways Prudential broadened the EssentialTerm Suite with coverage starting at $0.25 million and higher.EssentialTerm Value and Plus offer affordable term protection with conversion flexibility.Options include term lengths up to 30 years, riders, and conversion credits for permanence.Prudential Financial, Inc. (PRU) , a leading global financial services provider, has broadened its EssentialTerm Suite, now extending coverage options of $0.25 million and higher. The expansion aims to deliver greater fle ...

格隆汇8月27日丨保诚(02378.HK)发布公告，2025年8月26日耗资296.1万英镑回购30.26万股。 ...

Prudential (PUK) H1 2025 Earnings Call August 27, 2025 04:30 AM ET Company ParticipantsPatrick Bowes - Head - IRAnil Wadhwani - CEOBen Bulmer - CFOMichael Chang - Head - Asian Financials ResearchFarooq Hanif - Head of European Insurance Equity ResearchDominic O'Mahony - Managing DirectorMichelle Ma - DirectorJohn Cai - Regional CEOAndrew Sinclair - Managing DirectorThomas Wang - Executive Director - Global Investment ResearchConference Call ParticipantsLarissa van Deventer - Equity Research AnalystNasib Ahm ...

Financial Data and Key Metrics Changes - The company achieved double-digit growth across key financial metrics, with new business profit and adjusted operating profit per share both growing by 12% [5][12] - Gross operating free surplus generation increased by 14%, and dividends per share rose by 13% [5][12] - The return on embedded value improved to 15%, with net operating free surplus generation up by 20% [12][15] Business Line Data and Key Metrics Changes - The agency business remains a primary acquisition channel, contributing to 55% of new business profit growth [23] - New business profit in Hong Kong grew by 16%, while Indonesia saw a remarkable 34% growth [8] - The NBP margin expanded by two percentage points to 38% compared to the previous year [16] Market Data and Key Metrics Changes - The Hong Kong market showed strong performance with a 15% growth rate in the first half, while the second quarter saw an increase to around 20% [91][92] - The company reported a 45% increase in new agency recruits in Mainland China, indicating strong growth potential despite regulatory changes [20][23] Company Strategy and Development Direction - The company is halfway through its strategic transformation launched in August 2023, focusing on high-quality new business and operational effectiveness [6][11] - Investments of $400 million have been made in technology and capabilities to enhance customer engagement and operational efficiency [7] - The company aims to return over $5 billion to shareholders between 2024 and 2027, with additional returns expected from the potential IPO of the asset management business in India [6][15] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in achieving 2027 financial objectives, citing strong momentum and a focus on quality business [11][17] - The macro environment remains volatile, but the company is well-positioned due to its multichannel and multimarket franchise [8] - Management highlighted the importance of addressing underperformance in certain markets, particularly Malaysia and Vietnam, while capitalizing on growth opportunities in others [37][38] Other Important Information - The company has settled the dividend claim in Malaysia, which is expected to enhance shareholder returns [5][6] - The capital management update reflects a shift to a total return orientation, with a focus on sustainable cash returns [12][14] Q&A Session Summary Question: Outlook on Mainland China agency business - Management noted a strong focus on quality recruitment, with active agents up by 6% and a change management program in place to improve performance [23][24] Question: Capital management framework and future buybacks - The CFO explained that the capital management update reflects confidence in the business model, with a focus on sustainable annual net capital generation [28][30] Question: Key drivers of confidence in achieving 2027 objectives - Management cited a strong balance between agency and bank assurance, with specific change management programs in place to address underperformance in certain markets [36][37] Question: Margin improvement potential - The CFO highlighted opportunities for margin improvement through repricing, operating leverage, and improved health contributions [39][52] Question: Active agents and productivity metrics - Management acknowledged a 7% year-on-year decline in active agents but projected a growth rate of 7% to 10% for 2026 and 2027 [80][81] Question: Timing of remaining investment in capabilities - Management indicated that an additional $100 million to $120 million is expected to be invested by the end of the year, with further investments planned for 2026 [78][79] Question: Impact of regulatory changes on Hong Kong business - Management confirmed that the regulatory changes have not significantly impacted demand, with robust product margins maintained [92][98]

智通财经APP讯，保诚(02378)发布公告，于2025年8月26日斥资296.1万英镑回购30.26万股。 ...

FF305 公司名稱： Prudential plc 保誠有限公司* (* 僅供識別) 呈交日期： 2025年8月27日 如上市發行人的已發行股份或庫存股份出現變動而須根據《香港聯合交易所有限公司（「香港聯交所」）證券上市規則》(「《主板上市規則》」)第13.25A條 / 《香港聯合交易所有限公司GEM證券 上市規則》(「《GEM上市規則》」)第17.27A條作出披露，必須填妥第一章節 。 | 第一章節 | | | | | | | | | --- | --- | --- | --- | --- | --- | --- | --- | | 1. 股份分類 | 普通股 | 股份類別 | 不適用 | 於香港聯交所上市 | | 是 | | | 證券代號 (如上市) | 02378 | 說明 | 普通股每股0.05英鎊 | | | | | | A. 已發行股份或庫存股份變動 | | | | | | | | | | | | 已發行股份（不包括庫存股份）變動 | 庫存股份變動 | | | | | 事件 | | 已發行股份（不包括庫存股份）數 目 | 佔有關事件前的現有已發 行股份（不包括庫存股 份）數目百分比 (註3) | ...

港股點評 2025年8月27日9:30 a.m 恒指跌 304 點，滬指跌 15 點，標普 500 升 26 點 港股隨外圍偏軟，恒指低開 115 點，早市跌幅曾收窄至 10 點一度低見 25,819 點，尾市跌幅擴大，以全日低位 25,524 點收市，跌 304 點或 1.2%；國指跌 99 點 或 1.1%，收 9,148 點；恒生科技指數跌 42 點或 0.7%，收 5,782 點。大市全日成 交總額 3,178.71 億元。 人民銀行 26 日公開市場開展 4,058 億元人民幣七天期逆回購操作，操作利率持 平於 1.4%。有 5,803 億元逆回購到期，單日淨回籠 1,745 億元。人民幣兌美元中 間價下調 27 點至 7.1188。A 股三大指數低開後回穩。上證綜合指數高見 3888 點，收市報 3868 點，跌 15 點，跌幅 0.39%。深證成份指數高見 12561 點，創逾 3 年高位，收市報 12473 點，升 32 點，升幅 0.26%。創業板指數報 2742 點，跌 20 點，跌幅 0.76%。 英偉達(NVDA.US) 即將公布的季度業績，同時消化美國總統特朗普撤換聯儲 局理事庫克的 ...

保诚发布了截至2025年6月30日的六个月中期业绩。报告显示，按传统内含价值基准计算的新业务利润 增长了12%，达到12.60亿美元。经调整税前经营溢利增长了6%，为16.44亿美元；经调整税后经营溢利 增长了7%，为13.66亿美元。每股盈利(以经调整经营溢利为基础)为49.3美分，增长了12%。 执行总裁Anil Wadhwani对上半年业绩表示满意，指出关键指标均实现了双位数增长，符合公司此前提 出的指引。他提到公司已达到资本产生的转折点，能够更新资本管理计划并增加股东回报。公司对下半 年度及未来持续增长充满信心。 ...

Financial Performance - The company achieved double-digit growth across key financial metrics, with new business profit increasing by 12% to $1.3 billion and operating profit after tax per share growing by 12% [3][28][29] - Gross operating free surplus generation grew by 14%, marking an inflection point in capital generation [4][29] - The dividend per share increased by 13% to 7.71¢, with a commitment to greater than 10% annual growth from 2025 to 2027 [4][29][31] Business Lines Performance - New business profit in Hong Kong rose by 16%, driven by growth in both agency and bank assurance channels [9][32] - Indonesia saw exceptional growth with new business profit up 34%, while Malaysia experienced a decline due to lower agency contributions [11][32][33] - The health business reported a 13% increase in new business profit, supported by innovative product development [15][35] Market Performance - The company reported strong growth in key markets, with 13 out of 19 life markets showing new business profit growth [32] - In Singapore, new business profit grew by 5%, while Vietnam faced challenges impacting performance [11][12][32] - The agency channel contributed 55% of new business profit, highlighting its importance in the distribution model [17][19] Strategic Direction and Industry Competition - The company is focused on high-quality sustainable growth and enhancing shareholder returns through a disciplined capital allocation framework [2][5] - Investments in technology and capabilities are aimed at improving customer engagement and operational effectiveness [21][22] - The strategic focus includes strengthening the agency force and expanding bank assurance partnerships [7][9][18] Management Commentary on Operating Environment and Future Outlook - Management expressed confidence in achieving 2025 guidance and 2027 objectives, despite ongoing market volatility [2][26] - The long-term growth fundamentals in Asia and Africa are seen as significant opportunities for the company [24][56] - The company is committed to writing high-quality new business, particularly in health and protection sectors [23][54] Other Important Information - The company has initiated a $2 billion share buyback program, with $850 million completed as of August 18 [4][5] - A potential IPO of the Indian asset management business could provide additional capital returns to shareholders [6][31][53] - The company has invested $400 million in modernizing technology and capabilities since 2023 [20][21] Q&A Session Summary Question: What are the growth expectations for the company in the coming years? - The company is confident in achieving double-digit growth in capital generation beyond 2027, supported by strong positioning in growth markets [49][56] Question: How is the company addressing challenges in specific markets? - The company has clear plans to rebuild momentum in Malaysia and Vietnam, focusing on improving agency performance and market strategies [20][32]

Prudential (PUK) H1 2025 Earnings Call August 26, 2025 06:00 PM ET Speaker0Hello. I'm Anil Badwani, CEO of Prudential. Thank you for joining me today. I'm delighted to share our half year 2025 results and update you on the progress of our strategy now two years into our transformation journey. We have delivered another period of strong, consistent performance with double digit growth across key metrics.We reached a clear inflection point in our capital generation driven by the strength of our businesses in ...