FF305 翌日披露報表 (股份發行人 ── 已發行股份或庫存股份變動、股份購回及/或在場内出售庫存股份) 表格類別： 股票 狀態： 新提交 公司名稱： Prudential plc 保誠有限公司* (* 僅供識別) 呈交日期： 2026年4月1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 | | | | | ...

FF305 翌日披露報表 (股份發行人 ── 已發行股份或庫存股份變動、股份購回及/或在場内出售庫存股份) 表格類別： 股票 狀態： 新提交 公司名稱： Prudential plc 保誠有限公司* (* 僅供識別) 呈交日期： 2026年3月31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 | | ...

FF305 翌日披露報表 (股份發行人 ── 已發行股份或庫存股份變動、股份購回及/或在場内出售庫存股份) 表格類別： 股票 狀態： 新提交 公司名稱： Prudential plc 保誠有限公司* (* 僅供識別) 呈交日期： 2026年3月30日 FF305 確認 不適用 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 ...

FF305 翌日披露報表 (股份發行人 ── 已發行股份或庫存股份變動、股份購回及/或在場内出售庫存股份) 表格類別： 股票 狀態： 新提交 FF305 公司名稱： Prudential plc 保誠有限公司* (* 僅供識別) 呈交日期： 2026年3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 ...

Core Insights - Domestic mutual funds experienced significant losses in FY26, with 486 out of 556 funds reporting negative returns, while most international funds performed positively [1][18] - The top-performing fund was Nippon India Taiwan Equity Fund, which delivered a remarkable 164% return on SIP investments in FY26 [12][19] - Experts recommend a diversified approach for SIP investments, focusing on broader international funds while using specific themes as satellite exposures [9][11][19] Domestic Fund Performance - Domestic equity mutual funds lost up to 48% on SIP investments in FY26, with notable losses from tech and small-cap funds [18] - Tata Small Cap Fund was down 32.56%, while other tech funds like HDFC Technology Fund and Tata Digital India Fund lost 31.79% and 30.13% respectively [2][18] - Invesco India Technology Fund and Invesco India Multicap Fund reported declines of 23.47% and 23.39% respectively [5][19] International Fund Performance - International funds generally outperformed domestic funds, with Mirae Asset Hang Seng TECH ETF FoF losing only 18.43% on SIP investments [6][19] - The analysis highlighted that many international markets are trading at elevated valuations, but they still provide geographical diversification benefits [16][19] Investment Strategies - Experts suggest staggering SIP investments gradually and avoiding return-chasing to mitigate risks associated with market volatility [10][19] - A recommended allocation strategy includes 10-20% of the portfolio in international exposure, primarily focused on US markets [15][19] - The recent performance of international funds is attributed to AI and tech-driven rallies, emphasizing the importance of a long-term investment view [15][19]

Financial Performance - Prudential achieved a new business profit of $2,782 million in 2025, reflecting a 12% increase on a constant exchange rate basis[7]. - Adjusted operating profit before tax increased by 5% to $3,306 million, while adjusted operating profit after tax grew by 7% to $2,772 million[8]. - IFRS profit after tax surged by 71% to $4,119 million, with basic earnings per share based on IFRS profit increasing by 83% to 154.2 cents[8]. - Total segment profit increased to $3,939 million, reflecting a 6% growth from $3,723 million in 2024[125]. - The insurance business generated a profit of $3,610 million, a 6% increase from $3,419 million in 2024[131]. - New business profit increased by 12% to $2,782 million, driven by higher APE sales and positive pricing effects, with double-digit growth in each quarter of 2025[150]. - Total insurance business APE sales reached $6,661 million in 2025, a 7% increase from 2024, while new business profit rose by 13%[151]. - The new business margin improved to 42% in 2025, up from 40% in 2024, reflecting a focus on higher-margin products[152]. - Operating profit from the insurance business increased to $5,066 million, with a 16% rise in profit from in-force business to $2,284 million[154]. - The effective tax rate on adjusted operating profit was 16%, consistent with the 17% rate in 2024[146]. Shareholder Returns - Total dividend for 2025 was 26.60 cents per share, marking a 15% increase compared to 2024[7]. - The company plans to grow ordinary dividends by more than 10% in both 2026 and 2027, alongside additional capital returns including $500 million in share buybacks in 2026[161]. - The Group plans to return over $7 billion to shareholders from 2024 to 2027, including $500 million in share buybacks in 2026 and $600 million in 2027[54]. - Shareholders' equity rose from $17.5 billion at the beginning of 2025 to $20.1 billion by year-end, reflecting a profit of $4.0 billion during the period[159]. - The Group's total cash dividends for 2025 increased by 15% to 26.60 cents per share, compared to 23.13 cents per share in 2024[171]. Capital Management - Prudential completed a $2 billion share buyback in 2025 and commenced an additional $1.2 billion buyback in 2026[7]. - The Group issued SGD 600 million subordinated debt in May 2025, contributing $462 million to available capital[181]. - The Group maintained a total of $1.5 billion in undrawn committed facilities as of December 31, 2025, which expire in 2031[184]. - The company launched a $1.2 billion share buyback program in January 2026, comprising $500 million of recurring capital returns and $700 million from the IPO of IPAMC[122]. - The free surplus ratio was 221% at the end of 2025, down from the previous year due to capital returns, with a target operating range of 175-200%[121]. Business Growth - Prudential aims to grow new business profit at a compound annual growth rate of 15–20% from 2022 to 2027, targeting at least $4.4 billion in operating free surplus generation by 2027[30]. - In 2025, Prudential achieved a 12% growth in new business profit, exceeding the guidance of over 10%, supported by a 6% increase in APE sales and margin expansion[36]. - Bancassurance new business profit increased by 27% to $1,033 million in 2025, driven by a 5 percentage point margin increase and successful partnerships[42]. - Prudential's agency channel delivered new business profit of $1,560 million, up 4% from the prior year, with a 15% increase in agent productivity[40]. - New business profit in Mainland China grew by 27%, driven by strong APE sales growth and a focus on top-performing outlets[45]. - Prudential's growth markets collectively delivered a 12% increase in new business profit, with significant contributions from Taiwan and Thailand[48]. - New business profit in Hong Kong reached $1,221 million in 2025, a 12% increase from $1,091 million in 2024[196]. - APE sales in Hong Kong increased to $2,221 million in 2025, representing an 8% growth from $2,063 million in 2024[196]. Operational Efficiency - The company achieved a customer retention rate of 88%, up 1 percentage point from the previous year, with a target of 90-95% by 2027[97]. - The proportion of new business processed through auto-underwriting reached 70% by December 2025, indicating a significant shift towards digital self-service[101]. - The introduction of a generative AI-led performance management platform (PruAction) in Singapore aims to enhance agent productivity and is set for rollout to additional markets in 2026[62]. - The Group's focus on quality recruitment and upskilling initiatives led to a 15% increase in monthly new business profit per active agent in 2025[63]. - The company introduced a Health AI chatbot in Singapore to enhance sales team efficiency, supporting over 48,000 active health agents in priority markets[95]. Asset Management - Prudential's Asia-based asset management business, Eastspring, manages over $277 billion in funds and ranks in the top 10 in six markets[31]. - Eastspring's funds under management and advice increased by 8% from $258.0 billion at December 31, 2024, to $277.7 billion at December 31, 2025, driven by positive inflows and market movements[49]. - Operating free surplus generated from in-force insurance and asset management business rose by 15% to $3,059 million[7]. - Total expected transfer from in-force business and return on existing free surplus was $3,029 million, reflecting a 13% increase from 2024[165]. Market Recognition - The company was recognized as one of the 'Best Companies to Work for in Asia' for the fourth consecutive year, reflecting its commitment to a high-performance culture[200].

Business Overview - Prudential serves over 17 million customers across 20 markets in Asia and Africa, with a focus on life and health insurance and asset management solutions[32]. - Prudential aims to address the health and financial needs of approximately four billion people in Asia and Africa, leveraging its strategic plan for growth in these markets[38]. - The company has a strong presence in Africa, with access to over 400 million people and an aggregate GDP base exceeding $600 billion[49]. Financial Performance - The company reported a new business profit growth of over 10% across key metrics, including basic earnings per share based on adjusted operating profit[36]. - In 2025, Prudential achieved a growth in new business profit of over 10% across its life insurance markets, reflecting strong underlying performance[97]. - Profit for the year rose to $4,119 million in 2025, compared to $2,415 million in 2024, reflecting a 71% increase[203]. - Total profit after tax for 2025 was $4,119 million, an increase of $1,704 million from $2,415 million in 2024[207]. - Profit before shareholder tax rose by $1,988 million to $4,941 million, including a net gain of $1,515 million from corporate transactions[207]. Shareholder Returns - Prudential plans to implement an additional $1.2 billion buyback in 2026, with an expected $1.3 billion capital return in 2027[36]. - Prudential's capital returns to shareholders are projected to exceed $7 billion from 2024 to 2027, subject to regulatory approval[36]. - The company plans to return $1.8 billion to shareholders in 2025, up from $1.4 billion in 2024[181]. - Prudential's total cash dividend for 2025 is set at 26.60 cents per share, reflecting a 15% increase from 2024[67]. - Prudential's total ordinary dividend per share is expected to increase by more than 10% for both 2026 and 2027[198]. Market Position and Strategy - Prudential is positioned as a top player in several markets, including $621 million in Mainland China and $938 million in Singapore for annualized premium equivalent (APE) sales[34]. - The company emphasizes deepening penetration and increasing the mix of health and protection business, focusing on quality offerings[36]. - Life insurance penetration in India is approximately 3%, indicating a substantial opportunity for market expansion[52]. - Prudential's strategy includes a commitment to sustainability and addressing climate-related risks, which may impact future performance[22]. Distribution and Technology - The company maintains a balanced and scaled distribution channel, integrating life insurance and asset management capabilities[35]. - Prudential's bancassurance partnerships include over 950 bank branches from more than 25 partnerships, enhancing distribution capabilities[49]. - Prudential's technology-powered distribution model aims to enhance customer experiences and drive growth across its markets[41]. - Prudential's focus on technology and AI is driving innovation and operational efficiency, with plans to roll out a generative AI-led performance management platform in 2026[122]. Operational Efficiency - The company is focused on operational execution across its strategic pillars to deliver financial results for shareholders[44]. - The operating free surplus generated from in-force insurance and asset management business also grew by more than 10% in 2025, indicating improved cash generation[97]. - The proportion of new business processed through auto-underwriting reached 70% by December 2025, showcasing advancements in digital capabilities[158]. - Prudential's customer retention rate increased by 1 percentage point to 88% in 2025, moving closer to its 2027 target of 90-95%[154]. Growth Potential - Prudential identifies a health protection gap exceeding $300 billion in premium equivalent terms across its markets, highlighting significant growth potential[44]. - The agency channel's APE sales increased by 1% to $2,778 million, supported by improved agent productivity and quality recruitment[119]. - The bancassurance channel saw growth in new business profitability, particularly through partnerships with Standard Chartered Bank and CITIC Bank[101]. - Prudential launched several new health products in 2025, including a whole life limited pay hospital cash protection plan in Hong Kong and a combined critical illness and savings solution for SCB Malaysia customers[139].

FF305 翌日披露報表 (股份發行人 ── 已發行股份或庫存股份變動、股份購回及/或在場内出售庫存股份) 表格類別： 股票 狀態： 新提交 公司名稱： Prudential plc 保誠有限公司* (* 僅供識別) 呈交日期： 2026年3月26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 | | | | | | | | | | 事件 | | 已發行股份（不包括庫存股份）變動 已發行 ...

FF305 翌日披露報表 (股份發行人 ── 已發行股份或庫存股份變動、股份購回及/或在場内出售庫存股份) 表格類別： 股票 狀態： 新提交 公司名稱： Prudential plc 保誠有限公司* (* 僅供識別) 呈交日期： 2026年3月25日 FF305 FF305 確認 不適用 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 ...

Core Viewpoint - The company achieved high-quality consistent growth in 2025, delivering double-digit growth across key financial metrics while strengthening its business operations [2][3]. Financial Performance - New business profit increased by 12% to $2.8 billion, with operating profit per share also growing by 12% [4]. - Gross operating free surplus generation rose by 15% to $3.1 billion, and the full year dividend per share was increased by 15% [4]. Capital Management - The company completed a $2 billion share buyback program and launched an additional $1.2 billion buyback in 2026 [3]. - Strong balance sheet and disciplined capital management allowed for significant capital returns to shareholders [3]. Market Performance - Broad-based growth was observed across all segments and channels, with Mainland China showing a remarkable 27% increase in new business profit [5].