隨附之公告由 Prudential plc 於以下日期發佈。 承董事會命 Prudential plc Tom Clarkson 公司秘書 香港交易及結算所有限公司、香港聯合交易所有限公司及新加坡證券交易所有限公司對本公告的內容概不負責，對其準確 性或完整性亦不發表任何聲明，並明確表示，概不對因本公告全部或任何部分內容而產生或因依賴該等內容而引致的任何 損失承擔任何責任。 （於英格蘭及威爾斯成立及註冊的有限責任公司，註冊編號為 01397169 ） （股份代號：2378） PRUDENTIAL PLC － 代息股份參考價 二零二五年四月二日，香港 截至本公告日期，Prudential plc 的董事會成員為： 主席 Shriti Vadera 執行董事 Anil Wadhwani (華康堯) （執行總裁） 獨立非執行董事 Jeremy David Bruce Anderson (安德森) CBE、Arijit Basu、蔡淑君、路明、George David Sartorel、 Mark Vincent Thomas Saunders (馬崇達) FIA, FASHK、Claudia Ricarda Rita ...

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： 2025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) 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 | 庫存股份變動 | | 每股發行/出售價 (註4) | | 已發行股份總數 | | | | 已發行股份（不包括庫存股份）數 目 | 佔有關事件前 ...

香港交易及結算所有限公司、香港聯合交易所有限公司及新加坡證券交易所有限公司對本公告的內容概不負責，對其準確性 或完整性亦不發表任何聲明，並明確表示，概不對因本公告全部或任何部分內容而產生或因依賴該等內容而引致的任何損失 承擔任何責任。 （於英格蘭及威爾斯成立及註冊的有限責任公司，註冊編號為 01397169 ） （股份代號：2378） 授出股份獎勵 隨附之公告由 Prudential plc 於以下日期發佈。 承董事會命 Prudential plc Tom Clarkson 公司秘書 二零二五年三月二十八日，香港 二零二五年三月二十八日 授出股份獎勵 本公告乃根據《香港聯合交易所有限公司證券上市規則》（「《上市規則》」）第 17.06A 條發出。 Prudential plc（「保誠」）宣佈，於二零二五年三月二十七日，保誠根據二零二三年保誠長期激勵計劃 （「保誠長期激勵計劃」）向保誠董事兼執行總裁 Anil Wadhwani（華康堯）授出涉及合共 635,353 股 保誠新普通股的獎勵（「獎勵」）。 截至本公告日期，Prudential plc 的董事會成員為： 主席 Shriti Vadera 執行董事 ...

FF305 | 1). | 購回擬註銷但尚未註銷之股份 | | 260,000 | 0.009904 % | GBP | 8.3749 | | --- | --- | --- | --- | --- | --- | --- | | | 變動日期 | 2025年3月26日 | | | | | | 2). | 購回擬註銷但尚未註銷之股份 | | 260,000 | 0.009904 % | GBP | 8.3066 | | | 變動日期 | 2025年3月27日 | | | | | 第 2 頁 共 7 頁 v 1.3.0 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： 2025年3月28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 ...

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： 2025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）變動 | 庫存股份變動 | | | | | ...

Financial Performance - Adjusted operating profit for 2024 was $3,129 million, an increase of 8% from 2023[11] - Basic earnings per share based on IFRS profit after tax rose to 84.1 cents, a 35% increase compared to 2023[11] - Group adjusted operating profit after tax for 2024 was $2.58 billion, a 7% increase compared to 2023[120] - The Group's total IFRS profit after tax for 2024 was $2,415 million, up from $1,691 million in 2023[198] - New business profit increased by 11% to $3,078 million, driven by higher APE sales and a greater proportion of health and protection business[192] Sales and Growth - APE sales reached $6,202 million, reflecting a 6% increase from 2023[12] - Present value new business premiums (PVNBP) increased to $30,612 million, a 7% rise year-over-year[12] - New business profit growth was 11%, within the guidance range of 9% to 13%[32] - Bancassurance new business profit increased by 31% to $872 million, driven by sales growth and a favorable product mix, particularly in health and protection products[114] - APE sales through the bancassurance channel grew 16% in 2024 to $2,532 million, with new business profit increasing by 31%[147] Customer Engagement and Retention - Prudential serves over 18 million customers, focusing on enhancing customer experiences to build deeper relationships[80] - Customer retention rates increased by 1% to 87% in 2024, with a target of 90-95% by 2027[130] - The customer retention rate stands at 87%, indicating strong potential for growth in existing customer relationships[168] Capital Management and Shareholder Returns - Prudential announced a $2 billion share buyback program, with $785 million completed by the end of December 2024, ahead of the original guidance of mid-2026[40] - The Group announced a $2 billion return of excess capital through share buybacks, expected to complete by the end of 2025[126] - A total dividend of 23.13 cents per share was approved for 2024, representing a 13% increase[123] - The Board approved a 2024 second interim cash dividend of 16.29 cents per share, reflecting a 13% increase from 2023's total dividend of 23.13 cents per share[41] Strategic Initiatives and Market Opportunities - Prudential's strategy aims to capture a growth opportunity of approximately $1 trillion in its markets over the next 10 years[64] - The company aims for a 15% to 20% CAGR for new business profit from 2022 to 2027[26] - The company plans to generate at least $4.4 billion of operating free surplus from in-force insurance and asset management business by 2027[180] - The Group plans to achieve a compound average growth rate of 15-20% for new business profit from 2022 to 2027[197] Market Penetration and Growth Potential - Life insurance penetration in many markets is currently only around 2-3%, indicating significant health, protection, and savings gaps[36] - In Greater China, life insurance penetration is at 2%, with an estimated health and protection gap of $805 billion[70] - Africa's life insurance penetration is less than 2%, presenting high-growth potential in the region[72] - The ASEAN markets have a combined population of over 650 million, with low life insurance penetration rates of 1%[74] - India has a life insurance penetration rate of 3% and a health protection gap estimated at over $350 billion[76] Operational Efficiency and Digital Transformation - The introduction of PRUServices in Malaysia led to a doubling of registrations within the year compared to the previous platform[82] - The enhanced customer digital servicing platform, PRUServices, saw a doubling in registrations compared to the previous platform[133] - In 2024, annualized savings of over $30 million were achieved in Indonesia through improved medical claims cost management[160] Environmental and Social Responsibility - The Group aims for a 55% reduction in weighted average carbon intensity (WACI) by 2030 against a 2019 baseline[181]

Financial Performance - Prudential reported a significant increase in adjusted operating profit, with a year-over-year growth of 12%[13]. - The company achieved a new business profit of £1.5 billion, reflecting a 15% increase compared to the previous year[13]. - Prudential's free surplus generation reached £1.2 billion, marking a 10% rise from the prior fiscal year[13]. - Profit after tax for 2024 was $2,415 million, up from $1,691 million in 2023 on a constant exchange rate basis[103]. - Total profit after tax for 2024 was $2,415 million, an increase from $1,691 million in 2023, reflecting improved operating earnings[172]. - Profit before shareholder tax increased by $856 million to $2,953 million, reflecting a 22% increase in profits from insurance businesses[184]. - Total tax contributions amounted to $1,086 million in 2024, up from $969 million in 2023, driven by higher withholding tax on investment income[196]. - The effective tax rate on total IFRS profit in 2024 remained unchanged at 18%[186]. - The Group's IFRS shareholders' equity decreased from $17.8 billion at the start of 2024 to $17.5 billion at year-end, primarily due to dividend payments and share buybacks totaling $(1.4) billion[198]. Market Strategy and Growth - The company plans to expand its market presence in Asia, targeting a 20% increase in market share over the next three years[13]. - Prudential's strategy focuses on capturing growth opportunities in Asia and Africa, targeting structural growth markets with a commitment to sustainable growth from 2022 to 2027[47]. - The health protection gap in Mainland China is estimated at $805 billion, with a life insurance penetration rate of only 2%[49]. - India has a life insurance penetration rate of 3% and a health protection gap exceeding $350 billion, representing a significant opportunity for Prudential[50]. - The ASEAN markets have a combined population of over 650 million, with life insurance penetration rates at just 1%[54]. - Prudential's agency force includes over 40,000 monthly active agents, representing 60% of the Group's total[57]. - The Group's strategy focuses on multi-market and multi-channel growth, particularly in Greater China, ASEAN, India, and Africa, serving over 18 million retail customers[95]. Customer Experience and Technology - Prudential aims to enhance customer experiences through digital platforms like PRUServices, which saw registrations double in its first year[60]. - The company is investing in technology to improve agent productivity and customer service, with upgrades to the PRUForce platform ongoing through 2025[61]. - Prudential's strategy focuses on enhancing technology and transforming customer experiences[37]. - The company aims to achieve top quartile relationship NPS by 2027, reflecting its commitment to superior customer experiences[159]. Dividends and Shareholder Returns - Prudential's dividend payout ratio remains stable at 50%, ensuring consistent returns to shareholders[13]. - The total cash dividend for 2024 is set at 23.13 cents per share, reflecting a 13% increase from 2023[76]. - The first interim dividend for 2024 is 6.84 cents per share, while the second interim dividend is 16.29 cents per share, both showing growth compared to previous years[74]. - The total dividend for 2024 was approved at 23.13 cents per share, representing a 13% increase[106]. - Prudential announced a $2 billion share buyback program, with $785 million returned to shareholders by 31 December 2024[167]. - The company expects a dividend per share increase of at least 10% in line with its dividend guidance[142]. Operational Efficiency and Cost Management - The company has outlined a strategic goal to achieve a 25% reduction in operational costs by 2026 through digital transformation initiatives[13]. - Central costs unallocated to a segment decreased by 9% in 2024 compared to the prior year, reflecting better control of head office and finance costs[192]. - The Group plans to invest $1 billion in strategic initiatives, with $0.3 billion already spent to enhance business capabilities[102]. Risk Management and Regulatory Environment - Prudential's risk management framework has been strengthened, focusing on geopolitical risks and regulatory changes impacting operations[13]. - The company is subject to regulatory changes and actions from authorities such as the Hong Kong Insurance Authority[26]. - Prudential operates in a continually changing business environment with emerging risks that may impact its operations[24]. - Prudential's operational resilience is critical, especially in relation to external disruptions and cyber threats[26]. Investment and Asset Management - Eastspring, Prudential's asset management arm, has $124.5 billion under management in Singapore and $51.5 billion in India[32]. - Eastspring's funds under management increased by 9% from $237.1 billion at the end of 2023 to $258.0 billion at the end of 2024, driven by positive inflows and market movements[101]. - The Group's regulatory capital position remains strong with an estimated shareholder surplus of $15.9 billion at 31 December 2024, with a cover ratio of 280%[104]. - Prudential's capital adequacy surplus above the prescribed capital requirement (GPCR) was $15.9 billion, with a cover ratio of 280% as of 31 December 2024[174]. Customer Retention and Acquisition - Customer retention increased by 1% to 87% in 2024, reflecting improved customer satisfaction and loyalty[113]. - APE sales from new-to-Prudential customers grew by 13% in 2024, indicating strong customer acquisition efforts[119]. - Bancassurance contributed 41% of the Group's total APE sales in 2024, with APE sales through this channel growing 16% to $2,532 million[126][127]. - Health and protection APE sales through bancassurance increased by 32% in 2024, accounting for over 50% of policies purchased through banks[128]. - New agent recruitment increased by 9% in 2024, with APE sales generated by PRUVenture agents rising by 34% compared to 2023[123][133]. - The customer retention rate stands at 87%, positioning the company well to grow its share of wallet with existing customers[148].

FF305 | 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) | | 庫存股份數目 | 每股發行/出售價 (註4) | | 已發行股份總數 | | 於下列日期開始時的結存(註1) | 2025年3月24日 | | 2,625,647,013 | | 0 | | | 2,625,647,013 | | 1). 購回股份 (股份購回並註銷) | | | -260,000 | 0.009902 % | | GBP | ...

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： 2025年3月25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 | 庫存股份變動 | 每股發行/出售價 (註4) | 已發 ...