保障每個人生，誠就每個未來 在亞洲和 非洲構建 共融的未來 Prudential plc 二零二四年可持續發展報告 概述 我們的方針 健康及財務保障 負責任投資 可持續發展業務 良好的管治 氣候相關財務披露工作小組披露 參照列表 Prudential plc 二零二四年可持續發展報告 2 保障每個人生，我們與你同行。 誠就每個未來，我們為你守護。 我們對可持續發展的承諾現已融入公司宗旨反映我們的價值觀，也是我 們業務策略的基礎。我們的使命旨在透過向當代及新生代提供簡單易用 的理財和健康保障方案，成為其最值得信賴的夥伴和守護者。 概述 我們的可持續發展方針 | 我們的活動：策略支柱 | | --- | 23 簡單易用的健康及財務保障 24 開發可持續發展及普惠的產品和服務 26 為取得更佳健康成果建立合作夥伴關係及進行數 碼創新 27 透過社區投資建立韌性社區 30 負責任投資 31 公平及共融轉型融資 33 投資組合減碳 34 讓負責任投資成為新興市場的主流 38 與自然相關的影響和依存關係 39 可持續發展業務 40 建立可持續發展的業務及價值鏈 46 為員工賦能 54 匯聚思想領袖，共同制定議程 良好的管 ...

Financial Performance - Adjusted operating profit for 2024 reached $3,129 million, an 8% increase from $2,893 million in 2023[11] - Adjusted post-tax operating profit rose to $2,582 million, reflecting a 5% growth compared to $2,449 million in the previous year[11] - The total shareholder return for the fiscal year 2024 is projected to be $1.4 billion, including $785 million from share buybacks and $618 million in dividends[97] - The total profit attributable to shareholders for the year was $2.285 billion, compared to $1.701 billion in 2023, reflecting a significant increase[173] - The total profit from segments was $3.216 billion, a 5% increase from $3.060 billion in 2023[151] Sales and Business Growth - Annual premium equivalent sales amounted to $6,202 million, marking a 6% increase from $5,876 million in 2023[12] - New business profit (European Embedded Value) was $3,078 million, a slight decrease of 2% from $3,125 million in 2023[12] - New business profit increased by 11%, aligning with the guidance range of 9% to 13%[30] - The annual premium equivalent sales from new customers increased by 13% in 2024, reflecting the company's commitment to enhancing customer relationships[101] - New business profit from bancassurance increased by 31% to $872 million, primarily driven by sales growth and positive product mix effects[93] Market Position and Strategy - The company ranks among the top three in ten Asian life insurance markets and three African life insurance markets[24] - The company aims for a compound annual growth rate of 15% to 20% in new business profit from 2022 to 2027, targeting at least $4.4 billion in operating free surplus by 2027[24] - The total market growth potential over the next decade is estimated at approximately $1 trillion[24] - The company is focused on operational transformation to create sustainable long-term shareholder value amid complex geopolitical challenges[30] - The company aims to transition from a product-centric to a customer-centric model, focusing on sustainable growth platforms in Asia and Africa[50] Capital Management - The group’s leverage ratio decreased to 13%, down from 14% in 2023[13] - The total shareholder equity under IFRS was $17,492 million, a decrease of 2% from $17,823 million in 2023[13] - A $2 billion share buyback program has been announced, with $785 million completed by the end of 2024, and the remaining portion expected to be completed by the end of 2025, ahead of the original plan[33] - The estimated excess shareholder surplus over the group's specified capital requirements was $15.9 billion as of December 31, 2024, with a coverage ratio of 280%[144] - The company plans to maintain a free surplus ratio between 175% and 200%, with a current ratio of 234% as of December 31, 2024[145] Customer Engagement and Technology - The company is committed to enhancing customer experience through technology-driven distribution and transforming its health business model[45] - The PRUServices digital self-service platform doubled its registered users within a year of launch in Malaysia, enhancing customer convenience and experience[73] - The introduction of AI chatbots in Singapore and the Philippines improved lead verification, with 98% of leads verified by chatbots being adopted by agents for follow-up actions[109] - The company aims to achieve the first quartile in customer net promoter score by 2024, reflecting its commitment to customer experience[130] - Approximately 96% of new business policies are submitted electronically, with 78% using electronic payment methods[100] Operational Efficiency - The effective insurance and asset management business generated operating free surplus of $2,642 million, down 4% from $2,740 million in the previous year[13] - The company has saved over $30 million annually in Indonesia through strategic partnerships in its health business[83] - Significant operational changes have been implemented in key markets, including premium repricing and centralized renegotiation of supplier contracts[114] - Central costs decreased by 9% in 2024, reflecting ongoing control of headquarters and financial costs, with total headquarters expenses amounting to $237 million[160] - The automation rate for claims processing has doubled, significantly improving accuracy through collaboration with Google Cloud[118] Dividend and Shareholder Returns - The board approved a second interim cash dividend of $0.1629 per share for 2024, reflecting a 13% increase from the previous year's total dividend of $0.2047 per share[33] - The total dividend for 2024 is set at $0.2313 per share, a 13% increase from $0.2047 per share in 2023, with a second interim dividend of $0.1629 per share, up 15% from $0.1421 per share in 2023[145] - A $2 billion excess capital return plan through share buybacks is expected to be completed by the end of 2025, accelerated from the original 2026 timeline[97] - The company’s share repurchase amounted to $878 million during the year, indicating a strong commitment to returning capital to shareholders[173] - The company plans to increase operating free surplus by over 10% in 2025, with a corresponding increase in dividends of at least 10%[119]

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8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 ...

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 | 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4月2日 | | | 2,623,827,013 | | 0 | | | 2,623,827, ...

呈交日期： 2025年4月3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) | | 庫存股份數目 | | ...

+ CCS1787 PRUH + NAME(S) AND ADDRESS OF REGISTERED SHAREHOLDER(S) 登記股東之姓名及地址 (Stock Code 股份代號: 2378) DIVIDEND MANDATE FORM 股息授權表格 2024 SECOND INTERIM DIVIDEND OF 16.29 US CENTS PER ORDINARY SHARE ("DIVIDEND") 二零二四年第二次中期股息每股普通股16.29 美分（「股息」） This form is used for election to participate in the Evergreen Scrip Dividend Scheme to receive the dividend in fully paid new ordinary shares of the Company, or in cash in either Hong Kong Dollars or US Dollars. 此表格用作選擇參與永續以股代息計劃以收取本公司已繳足新普通股，或以港元/美元收取股息。 (Incorporated ...

表格類別： 股票 狀態： 新提交 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) 公司名稱： Prudential plc 保誠有限公司* (* 僅供識別) 呈交日期： 2025年4月2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 ...

EF004 | 除淨日 | 2025年3月27日 | | --- | --- | | 為符合獲取股息分派而遞交股份過戶 | 2025年3月28日 16:30 | | 文件之最後時限 | | | 暫停辦理股份過戶登記手續之日期 | 不適用 | | 記錄日期 | 2025年3月28日 | | 股息派發日 | 2025年5月14日 | | 股份過戶登記處及其地址 | 香港中央證券登記有限公司 | | 1712-1716室 | | | 17樓 | | | 合和中心 | | | 皇后大道東183號 | | | 灣仔 | | | 香港 | | | 代扣所得稅信息 | | | 股息所涉及的代扣所得稅 | 不適用 | | 發行人所發行上市權證/可轉換債券的相關信息 | | | 發行人所發行上市權證/可轉換債券 | 不適用 | | 其他信息 | | | 代息股份參考價為自二零二五年三月二十七日（星期四）(除淨日)起五日交易期內Prudential plc股份在倫敦證券交易所的平均中間 | | | 市價，並按Bloomberg於二零二五年四月二日（星期三）上午十一時正或左右(英國時間)在倫敦公佈的中點WMR即期匯率換算為美 | ...

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 | | | | | ...