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Economic capital is assessed using internal models but, when applying the EEV Principles, Prudential does not take credit for the significant diversification benefits that exist within the Group. For with-profits business written in a segregated life fund, as is the case in the Asia and the UK, the capital available in the fund is sufficient to meet the encumbered capital requirements. For shareholder-backed business the following capital requirements apply:iThe economic assumptions used for the stochastic calculations are consistent with those used for the deterministic calculations described above. Assumptions specific to the stochastic calculations, such as the volatilities of asset returns, reflect local market conditions and are based on a combination of actual market data, historic market data and an assessment of longer-term economic conditions. Common principles have been adopted across the Group for the stochastic asset models, for example, separate modelling of individual asset classes but with allowance for correlation between the various asset classes.Asia Regional Head Office bn0Foreign currency translation: Rates of exchange2The following translation rates have been applied:AverageLocal currency : Hong KongUSA Schedule 12Other net liabilitiesDPRUDENTIAL PLC - NEW BUSINESS - QUARTER 4 2008 VERSUS QUARTER 3 2008Q 3 2008Q3 2008QIntra-group dividends (including statutory transfer) and investment in operations>Movement in own shares in respect of share-based payment plansRMovement on ԰Ƶ shares purchased by unit trusts consolidated under IFRSNew share capital subscribed1 January 20081The Group analyses its EEV basis results so as to distinguish operating profit based on longer-term investment returns from other constituent elements of total profit. The other constituent elements i.e. the items excluded from operating profit based on longer-term investment are explained on schedule 6.TChanges in non-operating assumptions and experience variances and minority interestsEmbedded value at 31 Dec 2008%Embedded value at 31 Dec 2007Profit (loss) after taxProfit (loss) before tax9Discontinued operations relate to Egg banking operations.5Broker-dealer, asset management and Curian operations-(i) Effect of change in UK corporate tax rateAsian operations (note 6d(i)) Discretionary*Annual Premium and Contribution EquivalentEmbedded value long-term operations]Adjustment from post-tax longer-term investment returns to post-tax actual investment returnsJAdjustment for effect of mark to market value movements on core borrowings:Changes in operating assumptions and experience variances:Included in EEV basis shareholders' funds of long-term business operations of 14,522 million (2007: 13,828 million) is 409 million (2007: 349 million) in respect of asset management business falling within the scope of covered business as follows: RequiredCapital Net Worth  Value of in-force Total Underlying movement'Business in force - expected transfer*Investment movements and economic effects:Insurance contract liabilities,European Embedded Value (EEV) basis results*F(d) Effect on the Group's 2007 earnings per share comparative figures !The annual premium equivalent sales for insurance products shown above include contributions for contracts that are classified as 'investment contracts' under IFRS 4 as they do not contain significant insurance risk. Additional details on the basis of preparation are shown on schedule 39."Variance from expected tax charge:wIFRS basis results - Retirement benefits - summary of financial position of defined benefit pension schemes (continued)Pillar I reserves are calculated using a similar allowance for credit risk. For EEV reporting the allowance for short-term credit risk is assumed to be released gradually over the five year period following the valuation date.The charge of (111) million relates primarily to unit-linked business and predominantly represents the capitalised loss of future fees from the fall in market values experienced during the year.DAC amortisation (Jackson only)Unit-linked liabilities-Variable annuity separate account liabilitiesThe positive investment-related items and other movements seen within Other during 2008 are principally driven from unwinding the discounted liabilities using the valuation interest rate. Unit-linked and with-profits are mainly impacted by market movements.$Actuarial and other gains and lossesQThe Company has adopted IFRIC 14 for pension schemes as explained in schedule 25. Service cost/Consistent with the derecognition of the Company s interest in the underlying IAS 19 surplus of PSPS, the effect of the adoption of IFRIC 14 on operating results based on longer-term investment returns is to replace the usual IAS 19 pension charges and credits with the cash cost of contributions for ongoing service of active members. The usual IAS 19 pension charges and credits for PSPS include the service costs, finance income and curtailment credit as shown in the table above. As a result of the adoption of IFRIC 14, the movements between the two reporting dates impacted reflect the payment of cash contributions for ongoing service for active members. In addition, the charge to the operating results also includes a charge for the unwind of discount on the opening provision for deficit funding for PSPS.The components of the credit (charge) for actuarial gains and losses (gross of allocation of the share attributable to the PAC with-profits fund) are as follows:4Gains on changes of assumptions for plan liabilitiesExperience gains on liabilitiesCActuarial and other gains and losses after the adoption of IFRIC 14The net charge for actuarial and other gains and losses is recorded within the income statement but, within the supplementary analysis of profit, it is excluded from operating profit based on longer-term investment returns.The discount rate at 31 December 2008 of 6.1 per cent has been determined by reference to an 'AA' corporate bond index adjusted to allow for the< difference in duration between the index and the pension liabilities.The underlying balance sheet of the pension schemes on an economic basis before the effect of the adoption of IFRIC 14 for pension schemes is as follows:9The table below shows the sensitivity of the underlying PSPS, Scottish Amicable and M&G pension scheme liabilities at 31 December 2008 of 4,075 million, 354 million and 157 million respectively (2007: 4,361 million, 454 million and 189 million respectively) to changes in discount rates and inflation rates.This adoption of the principles of IFRIC 14 has had an effect on the Group s interest in the financial position of the Group s main UK defined benefit pension scheme, the Prudential Staff Pension Scheme (PSPS). The effect relates solely to the accounting measurement of the Group s interest in the financial position of PSPS. Adoption of the principles of IFRIC 14 does not affect the Group s interest in the Group s other defined benefit pension schemes. The asset and liabilities of PSPS are unaffected by the impact of the adoption of IFRIC 14. PSPS is managed on an economic basis for the longer-term benefit of its current and deferred pensioners and active members. The surplus in PSPS is available to absorb future adverse asset value movements and, if required, strengthening in mortality assumptions. The fluctuating nature of the surplus is demonstrated by the increase in the underlying gross surplus from 528m at 31 December 2007 to 728m at 31 December 2008 as shown in schedule 24.Loss (profit) for the year9Shareholders equity at the end of the year (schedule 21)GThe positive investment-related items and other movements during 2008 within Fixed annuity, GIC and other business principally represents interest credited to policyholder accounts and increases in reserves for variable annuity guarantees. Variable annuity separate account liabilities are mainly impacted by market movements.The credit for the effect of changes in economic assumptions for 2008 for US operations of 267 million primarily arises as a result of the impact of a change in the risk discount rate of 454 million, partially offset by the impact of a decrease in the variable annuity separate account return of (230) million, both movements reflecting the 180 bps reduction in the 10-year Treasury rate as shown in schedule 2. dOperating profit, based on longer-term investment returns, after related tax and minority interests <Profit for the year from discontinued operations (note 1.2d)eOperating profit, based on longer-term investment returns, after related tax and minority interests INet asset value per share attributable to equity shareholders (note 1.2e)INet asset value per share attributable to equity shareholders (note 1.1d)_The negative expense experience variance of (34) million for 2008 includes (11) million arising in Korea, reflecting lower sales, and includes a charge of (9) million for expense overruns for China which is at a relatively early stage of development, for which the expenses for new business are in excess of the target levels factored into the valuation of new business. On the basis of current plans the target level for expenses for this operation is planned to be attained in 2012. The negative experience variance in 2007 of (27) million arose in China of (12) million and India of (15) million.cAdjustments in respect of certain statutory reserves, required capital and surplus note borrowings.The surplus note borrowings have been reflected as contributing to the capital in the net worth but with the obligation deducted from the value of in-force business.Surplus note borrowings3#The table below shows how the VIF generated by the in-force business at 31 December 2008 and the associated required capital is modelled as emerging into free surplus over future years. ROn profit for the year after tax and minority interests from continuing operationsTOn profit for the year after tax and minority interests from discontinued operationsJNet asset value per share attributable to equity shareholders (note 15.1b)JNet asset value per share attributable to equity shareholders (note 15.2c)s" UK general insurance commission of 44 million (2007: 4 million) has been included within the other income line." Group Head Office (GHO) expenses consist of other operating income and expenditure, UK restructuring costs and development costs.oIn total, for 2008, the effect of changes to the allowance for credit risk and the effect of portfolio rebalancing in PRIL and the PAC non-profit sub-fund gives rise to a charge of 23 million. The amount including a charge of 413 million for additional risk allowance in line with the assumptions shown above for the portfolio as a whole. Partially offsetting this is a credit of 390 million for the effect of 2.8 billion of portfolio rebalancing to more closely align with management benchmark. The credit reflects the additional yield expected after allowing for additional credit risk arising from the rebalancing.6Effect of the adoption of IFRIC 14 for pension schemes-Investment-related items and other movements "Schedule 30 - Actual Exchange Rate$Schedule 29 - Constant Exchange Rate~ The actuarial assumptions applied in determining the underlying pension scheme liabilities of the UK schemes are as follows:The experience gains on the underlying PSPS scheme liabilities relates mainly to the 'true-up' reflecting improvements in data consequent upon the ongoing triennial valuation of PSPS.Consistent with the derecognition of the Company s interest in the underlying IAS 19 surplus of PSPS, the actuarial gains and losses do not include those of PSPS. In addition, as a result of the adoption of IFRIC 14, the Group has recognised a provision for deficit funding to 5 April 2010 in respect of PSPS. The change in 2008 in relation to this provision is recognised above as other gains and losses on defined benefit pension schemes of 13 million.The discounted value of in-force business and required capital can be reconciled to the analysis of free surplus crystallisation as follows:'Value of in-force (VIF) (schedule 10.1)gPre-tax expected long-term nominal rate of return for shareholder-backed annuity business (note (iii)):"Increase in scheme liabilities by:Scottish Amicable"Decrease in scheme liabilities by:PSPS Decrease scheme liabilities by:(Schedule 24 (continued)BMark to market value movements on core borrowings (note 1.1b).Profit (loss) after tax and minority interestsHMark to market value movements on core borrowings (note 1.2b)In most countries, the long-term expected rates of return on investments and risk discount rates are set by reference to period end rate< s of return on cash or fixed interest securities. For the Group s Asian operations, the active basis is appropriate for business written in Japan, Korea and US dollar denominated business written in Hong Kong. Except in respect of the projected returns of holdings of Asian debt and equity securities for those countries where long-term fixed interest markets are less established, the  active basis of assumption setting has been applied in preparing the results of all the Group s US and UK long-term business operations. ,Investment return and other income (note 3b)Restructuring costs (note 3c)The results for continuing operations shown above exclude those in respect of discontinued banking operations, which were sold on 1 May 2007. In addition to the effect of the adoption of IFRIC 14 for pension schemes, as detailed on schedule 13, the 2007 comparatives reflect some minor adjustments as detailed on schedule 4 (notes 4g and 4i) and schedule 5 (notes 5b(ii) and 5d(iii)).10.2a (note 10.2b)10.2b (note 10.2c)10.2c.UKIO additional credit provisions (note 10.2d)10.2dUOther investment movements and effect of changes in economic assumptions (note 10.2e)10.2e'Other investment movements (note 10.2f)10.2f6Effect of changes in economic assumptions (note 10.2g)10.2g10.2h-Net cash flows to parent company (note 10.2h)Other items (note 10.2i)10.2iOther (note 10.2j)10.2jUComprising 66 million for solvency capital and 27 million for business development.(US (schedule 22.3)26a26blThe carrying value of the IFRS equity reflects the application of  grandfathered US GAAP under IFRS 4. This does not, and is not designed to include the cost of holding economic capital, to support the legacy interest rate guaranteed products as recognised for reporting under the Company s supplementary reporting basis under European Embedded Value principles.9Investment-related items and other movements (note 22.4a)22.4aOther operations (note 6a(iv))Investment spreadNet expense margin9Investment-related items and other movements (note 22.3a)22.3a0Short-term allowance for credit risk (note (iv))The tax charge for 2008 includes the notional tax gross up of 4 million attaching to the change of corporate tax rate in Indonesia and in 2007 of 26 million attaching to the change of corporate tax rates in China, Malaysia, Singapore and the UK.B- effect of adoption of principles of IFRIC 14 for pension schemesInvestment in operations reflects increases in share capital. This includes certain non-cash items as detailed in note 10.2j on schedule 10.2.Cash flows are projected on a certainty equivalent basis and are discounted at the appropriate risk discount rate. The modelled cash flows use the same methodology underpinning the Group s embedded value methodology reporting and so is subject to the same assumptions and sensitivities.2effect of adoption of IFRIC 14 for pension schemes.after adoption of IFRIC 14 for pension schemes3effect of adoption of IFRIC 14 for pension schemes/after adoption of IFRIC 14 for pension schemesThe changes reflect the aggregate of those under IFRS and the shareholders' 10 per cent interest in the PAC with-profits element of the effect of the adoption of IFRIC 14 for pension schemes reflected under EEV reporting.Earnings per share'Investment by parent company (note 14a)2007 mIFRS Operating profit6(Loss) profit before tax attributable to shareholders:<Shareholders share of actuarial and other gains and losses Shareholders' share of deficit on the Prudential Staff and Scottish Amicable defined benefit pension schemes (net of tax) (note 24b on schedule 24);(Loss) profit attributable to equity holders of the Company/Net (decrease) increase in shareholders' equitysIFRS basis results - Analysis of movement in policyholder liabilities and unallocated surplus of with-profits fundsA reconciliation of the total policyholder liabilities and unallocated surplus of with-profit funds of the Group is as follows:A reconciliation of the total policyholder liabilities and unallocated surplus of with-profit funds of UK insurance operations is as follows:`A reconciliation of the total policyholder liabilities of US insurance operations is as follows:A reconciliation of the total policyholder liabilities and unallocated surplus of with-profits funds of Asian insurance operations is as follows:23a8The table reflects the financial position of the defined benefit schemes on an 'economic basis'. This is the IAS 19 basis adjusted to include scheme assets invested in Prudential Group insurance policies. At 31 December 2008, M&G Pension Scheme had invested 157 million in Prudential Group insurance policies. The PSPS scheme has also invested 103 million of scheme assets in Prudential Group insurance policies, however the Company's interest in the financial position of PSPS is affected by the adoption of IFRIC 14 for pension schemes as explained in schedule 25.The shareholders' share of the aggregate deficit for PSPS and the Scottish Amicable Scheme at 31 December 2008 was 31 million (net of related tax) and is recorded within the Other operations shareholders' funds shown on schedule 20. The IAS 19 service costs and employer contributions for ongoing service of current employees have been apportioned in the ratio relevant to current activity. Reflecting these two elements, at 31 December 2008, the total share of the deficits on PSPS and the smaller Scottish Amicable scheme attributable to the PAC with-profits fund amounted to a deficit of 67 million and a deficit after related tax relief of 60 million.The effect of the adoption of IFRIC 14 for pension schemes on the Group's interest in the financial position of PSPS at 1 January 2008 is as follows:Effect of adoption of IFRIC 14The 2008 shareholders' share of actuarial losses for other schemes of (8) million reflects the shortfall of market returns over long term assumptions partially offset by the effect of decreases in inflation rates and of an increase in risk discount rate._Shareholders' share of actuarial and other gains and losses on defined benefit pension schemes : Effect of adoption of IFRIC 14 for pension schemes Internal funds under management *External funds shown above for 2008 of 55.5 billion (2007: 62.5 billion) comprise 62.3 billion (2007: 68.7 billion) in respect of investment products, as published in the 2008 New Business results on Schedule 32, less 6.8 billion (2007: 6.2 billion) that are classified within internal funds.Y (Schedule 27.1)  (Note 27.2a),Loss for the year from continuing operations.Profit for the year from continuing operations0Profit for the year from discontinued operationsThis schedule classi< fies the Group's pre-tax operating earnings from long-term insurance operations into the underlying drivers of those profits, using four broad categories:/DAC amortisation (Jackson only) (schedule 17.3)Net insurance margin DAC amortisation (Jackson only) iThe IFRS new business loss corresponds to approximately 7 per cent of new business APE premiums for 2008.For the India life operation, reflecting the initial development stage of the business, acquisition costs had previously not been deferred. In 2008, 19 million of deferred acquisition costs, net of amortisation in the year, has been established.For the Korea life business, the deferral of acquisition costs had previously followed the local regulatory basis as being an appropriate proxy for the MSB basis. The regulatory basis is subject to constraints in respect of assumptions for expense loadings, the amortisation period, and the DAC balance not being higher than the cash surrender value. This basis is no longer appropriate and on adjusting the basis 9 million of DAC has been established that reflects a revised estimate of the 1 January 2008 balance and a charge of 26 million for current year acquisition costs (net of amortisation) for applying the more appropriate basis.The weighted components of the bond spread over swap rates for shareholder-backed fixed and linked annuity business for PRIL on the IFRS basis at 31 December 2008 based on the asset mix at that date are as follows:The approach for IFRS, however, aims to establish liabilities that are closer to  best estimate . The very prudent Pillar I regulatory basis reflects the overriding objective of ensuring sufficient provisions and capital to ensure payments to policyholders can be made. In previous years long-term IFRS default assumptions where set mid-way between the EEV and Pillar I assumptions. At 31 December 2008, in light of the increase in uncertainty surrounding future credit default experience, the IFRS long-term assumptions have been strengthened to bring them into line with the long-term Pillar I default assumptions. In addition a short-term allowance for credit risk has been established but at a lower level than allowed for in the Pillar I regulatory basis.The items above represent the amounts attributable to changes in policyholder liabilities and unallocated surplus of with-profit funds as a result of each of the components listed. Total (note 23a) (note 23b) (note 23c)ETotal credit (charge) without the effect of the adoption of IFRIC 14 4Total credit (charge) after the adoption of IFRIC 142Underlying IAS 19 charge for other pension schemes;Total charge without the effect of the adoption of IFRIC 14aThe PSPS has entered into a derivatives based strategy to match the duration and inflation profile of its liabilities. This involved a reallocation from other investments to cash-like investments with an interest and inflation swap overlay. In broad terms, the scheme is committed to making a series of payments related to LIBOR on a nominal amount and in return the scheme receives a series of fixed and inflation-linked payments which match a proportion of its liabilities. As at 31 December 2008, the nominal value of the interest and inflation swaps amounted to 1.2 billion and 0.3 billion respectively.+(a) The reason for the adoption of IFRIC 14The Group has adopted IFRIC 14 for pension schemes in 2008. IFRIC 14 gives guidance on assessing the limit in IAS 19 on the amount of surplus in a defined benefit pension scheme that can be recognised as an asset thereby providing reliable and more relevant information. The recognition of an asset is restricted to those that are demonstrably recoverable, either by refund or reduction in future contributions. It also addresses when a minimum funding requirement might give rise to a liability. The assessment of recoverability and any additional liability is made by reference to the terms of the Trust Deed of pension schemes and, unless substantively enacted or contractually agreed, with no account taken of potential changes to current funding arrangements. 2(b) The summary effect of the adoption of IFRIC 14bThe 2008 and 2007 comparative figures have been adjusted accordingly for the adoption of IFRIC 14.#Total Asian operations (note 17.2b)IUS variable annuity business - amortisation of deferred acquisition costs Schedule 17.4^IFRS basis results - US variable annuity business - amortisation of deferred acquisition costs?Under IFRS 4, the Group applies US GAAP to the insurance assets and liabilities of Jackson. Under the US GAAP standard FAS 97, acquisition costs for Jackson s fixed and variable annuity business are deferred and then amortised in line with the expected emergence of margins. The amortisation profile is dependant on assumptions of which, for variable annuity business, the key assumption is the expected level of equity market returns. For 2008 and recent previous years a rate of 8.4 per cent has been applied using, as is industry practice, a mean reversion methodology.RCore borrowings of the Group are marked to market value under EEV. As the liabilities are generally held to maturity or for the long-term, no deferred tax asset or liability has been established on the difference (compared to IFRS) in carrying value. Accordingly, no deferred tax charge is recorded in the results against the 2007 credit.Net assets of operationAcquired goodwillOther informationFunds under managementForeign currency translation New BusinessNotes to new business schedules Schedule 1.1EEV basis resultsSchedule cross referencePost-tax*Shareholders' funds before capital charge yTaiwan sensitivity to starting bond rates (i.e. the starting bond rate for the progression to the assumed long-term rate)TaiwanAPre-tax expected long-term nominal rate of return for US equitiesSchedule 2 (continued)Expected long-term rate of inflation31 Dec Asia totalBForeign currency translation: Effect of rate movements on resultsLong-term operationsPageSupplementary information*+Total Investment Products Gross Inflows (2)'VIncome Drawdown (13)WPru Health (12) WUS Insurance Operations (1b)VAsian Insurance Operations (1b)V China (10)W India (6)W Other (4)WUS Insurance Operations (1a)VAsian Insurance Operations (1a)VCorporate Pensions (14)WUS Insurance Operations (1b)(8)V"Asian Insurance Operations (1b)(8)VM&G (5)VAsia Retail Mutual Funds (15)VM&G (9)VInstitutional (5) WAsia (9)V!Other Mutual Fund Operations (11)WK(a) Analysis of long-term insurance pre-tax IFRS operating profit by driverPi) Investment return and asset management fees - This < represents profits driven by investment performance, being asset management fees that vary with the size of the underlying policyholder funds net of investment management expenses and profits derived from spread, being the difference between investment income (or premium income in the case of the UK annuities new business) and amounts credited to policyholder accounts. The table below separately identifies net spread income from net fee income..Nii) Net expense margin - represents expenses charged to the profit and loss account (excluding those borne by the with-profits fund and those products where earnings are purely protection driven) including amounts relating to movements in deferred acquisition costs, net of any fees or premium loadings related to expenses. Jackson DAC amortisation (net of hedging effects), which is intended to be part of the expense margin, has been separately highlighted in the table below.Niii) Insurance margin - profits derived from the insurance risks of mortality, morbidity and persistency including fees earned on variable annuity guarantees.eN\iv) With-profits business - shareholders' transfer from the with-profits fund in the period.eN=(b) Analysis of Group pre-tax IFRS operating profit by driverPeThe annual licence fee payments are made by shareholder-backed subsidiaries of UK insurance operations, via a service company, to the PAC with-profits sub-fund for the right to use trademarks and for the goodwill associated with the purchase of the business of the Scottish Amicable Life Assurance Society in 1997. The licence fee arrangements run to 2017. (note (a)) (note (b)).PRUDENTIAL PLC - NEW BUSINESS - FULL YEAR 2008FY 2008- US (1a)2 Asia (1a)2 China (10)3 India (6)3For Asian operations and UK insurance operations, unwind of discount and other expected returns is determined by reference to the value of in-force business, required capital and surplus assets at the start of the year as adjusted for the effect of changes in economic and operating assumptions reflected in the current year. For the unwind of discount for UK insurance operations included in operating results based on longer-term returns a further adjustment is made. For UK insurance operations the amount 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 and the expected return on shareholders assets held in other UK long-term business operations. Surplus assets retained within the PAC with-profits fund are smoothed for this purpose to remove the effects of short-term investment volatility from operating results. In the balance sheet and for total profit reporting, asset values and investment returns are not smoothed. For US operations the return on surplus assets is shown separately.AsiaFor with-profits business the charge represents the negative actual investment return on the PAC with-profits fund of (19.7) per cent against an assumed rate of 6.6 per cent. Schedule 14XThe movement in shareholders EEV equity of the Taiwan life business for 2008 comprised:^Shareholders share of actuarial and other gains and losses on defined benefit pension schemesLoss before tax Total taxLoss for the financial year$Exchange and other reserve movements Net movement"Valuation movements on investmentsCredit risk treatment(Actual losses on fixed income securities|The adjustment to reduce required capital for US operations represents a current year refinement to align the amount with the required level which has been set as an amount at least equal to 235 per cent of the risk-based capital required by National Association of Insurance Commissioners at the Company Action Level, which is sufficient to meet the economic capital requirement.^These reserves represent additional prudent reserves recognised for local regulatory purposes.hInterest Maintenance Reserve (IMR) and certain statutory reserves relating to variable annuity business1g#Required capital2# 1 To provide consistency with the basis applied for IFRS reporting, the EEV basis results reflect the adoption of the principles of IFRIC 14 for pension schemes.US (1b)2 Asia (1b)2Income Drawdown (13)3Pru Health (12) 3Asset management"Broker-dealer and asset managementAsset management fee income0Operating profit from asset management operation(a) 2008(b) 2007&1% increase in the starting bond ratesPRUDENTIAL PLCSchedule US operations Asian operationsProfits from: Other operating results:3c1(a).US 10-year treasury bond rate at end of periodShareholders' share:SExpected tax rates shown in the table above reflect the corporate tax rates generally applied to taxable profits of the relevant country jurisdictions. For Asian operations the expected tax rates reflect the corporate tax rate weighted by reference to the source of profits of the operations contributing to the aggregate business result. UK operations US operationsPre-tax (deficit) surplus7Short-term fluctuations in investment returns (note 6a);Mark to market value movements on core borrowings (note 6b)dEffect of changes in economic assumptions and time value of cost of options and guarantees (note 6d)After capital chargeu" 10 per cent fall in market value of equity and property assets (not applicable for new business contribution); and+Reconciliation with total profit before tax3d0Holding company* cash and short-term investments6Core structural borrowings - Jackson (at market value)In each sensitivity calculation, all other assumptions remain unchanged except where they are directly affected by the revised economic conditions. Schedule 3Summary results Long-term businessAsia development expensesM&GCurian Other income and expenditure3a#Investment return and other income !Pre-Tax New Business ContributionFor 2008, the principal variances arise from differences between the standard corporation tax rate and actual rates due to a number of factors, including:(a) For Asian long-term operations, tax losses in several jurisdictions which are not expected to be available for relief against future profits, and losses on investments in jurisdictions which do not provide corresponding tax relief; dThe mean reversion methodology is applied with the objective of adjusting the amortisation of deferred acquisition costs that would otherwise be highly < volatile for the fact that the expected level of future gross profits fluctuates for altered variable annuity asset values arising from changes in equity market levels at the end of each reporting period.The mean reversion methodology achieves this objective by dynamic adjustment to the level of expectations of short-term future investment returns. Under the methodology the projected returns for the next five years are, for the purposes of determining the amortisation profile, set so that normally combined with the actual returns for the current and preceding two years the average rate of return is 8.4 per cent. The mean reversion methodology does, however, include a cap of 15 per cent per annum on the project return for each of the five years. For 2008 this capping effect applied to restrict the projected returns below the 20 per cent per annum level that would have otherwise applied. Projected returns after the next five years are set at 8.4 per cent.In 2008, US equity market indices fell by some 38.5 per cent. If there had been no mean reversion methodology in place there would have been an increased amortisation charge of approximately 250 million.NHowever, as noted above, the mean reversion methodology allows for a substantial, but not complete, recovery of the lost fund value. As a result, DAC amortisation, reflected in the 2008 results after incorporating the mean reversion, has instead increased by some 140 million, of which 40 million arises due to the capping feature.(b) For Jackson, the inability to fully recognise deferred tax assets on losses being carried forward, which has partially been offset by the benefit of a deduction from taxable income of a proportion of dividends received attributable to the variable annuity business;~Operating profit from Prudential Capital includes a 28 million charge for an impairment loss on a holding in Lehman Brothers..After adoption of IFRIC 14 for pension schemesUK (schedule 22.2)Asia (schedule 22.4)b(Loss) on ordinary activities after tax and minority interests from long-term business operations)Other transfers to net worth (note 10.1g)U(Loss) on ordinary activities after tax and minority interests for long-term businessPFree surplus is the market value of the net worth in excess of the capital required to support the covered business. Where appropriate, adjustments are made to the regulatory basis net worth from the local regulatory basis so as to include backing assets movements at fair value rather than cost so as to comply with the EEV principles. Other itemsGroup insurance operations&Analysis of operating profit by driverMinority interests (note 1.2c)$Schedule 31 - Constant Exchange Rate"Schedule 32 - Actual Exchange Rate Schedule 34 Required capital (schedule 10.1)" 10 per cent proportionate decrease in lapse rates (a 10 per cent sensitivity on a base assumption of 5 per cent would represent a lapse rate of 4.5 per cent per annum); andThe Company has adopted IFRIC 14 for pension schemes. As a result of this change the comparative results for 2007 have been adjusted. Further details are provided in schedules 13 and 25. PFree surplus is the market value of the net worth in excess of the capital required to support the covered business. Where appropriate adjustments are made to the regulatory basis net worth from the local regulatory basis so as to include backing assets movements at fair value rather than cost so as to comply with the EEV principles.Net cash flow to or from parent company reflects the flows for long-term business operations as included in the holding company cash flow at transaction rate.sThe effect of other items on total embedded value of 472 million primarily relate to the impact on free surplus of an intra-group capital adjustment in respect of UK insurance operations of 320 million, an adjustment for funds loaned to the parent company of 133 million from Singapore and an adjustment of 50 million to reflect the cash flows to parent company at year end rates of exchange, consistent with the closing embedded value. Also included is a net overall charge of (40) million for the reallocation of certain statutory reserves for UK insurance and US operations, an adjustment to required capital and the reallocation of surplus note borrowings for US operations. The effect of these adjustments is a decrease in free surplus of (187) million, a reduction in required capital of (137) million and an increase in the value of in-force business of 284 million.(Loss) profit for the year1Shareholders equity at the beginning of the year8Shareholders equity at the end of the year (schedule 8)An analysis of Group pre-tax IFRS operating profit has also been provided and is based on the long-term insurance operations table above with the following additions:c" The results of Group asset management operations have been included within asset management fees. GHO expensesHIFRS basis results - Analysis of pre-tax IFRS operating profit by driver0Surplus (deficit) in scheme at 1 January 2008 ;Operating results (based on longer-term investment returns)Contributions paidExchange translation difference3Surplus (deficit) in scheme at 31 December 2008 . (note 24d) (note 24e)/Schedule 24 (continued)Other items includes deduction of the value of the shareholders interest in the Estate, the value of which is derived by increasing final bonus rates so as to exhaust the estate over the lifetime of the in-force with-profits business. This is an assumption to give an appropriate valuation. To be conservative this item is excluded from the value of the Estate from the expected free surplus generation profile below. Offset against this value are amounts treated as capital for regulatory purposes (and hence treated as capital for net worth purposes) but which are deducted in full against the VIF (i.e. the full undiscounted value).Core borrowings of the Group are marked to market value under EEV. The figures in the table above reflect the movement in the difference between market and IFRS carrying values. As the liabilities are generally held to maturity or for the long-term, no deferred tax asset or liability has been established on the difference (compared to IFRS) in carrying value. Accordingly, no deferred tax charge is recorded in the results in respect of the 2008 credit of 656 million (2007: 223 million).(iii) Investment contracts under Other comprise certain unit-linked and similar contracts accounted for under IAS 39 and IAS 18.(iv) For business with no maturity term included within the contracts, for example with-profits investment bonds such as Prudence Bond, an assumption is made as to likely duration based on prior experience.N(v) The maturity tables shown above have been prepared on a discounted basis.23bHFixed annuity and other business (including GICs and similar contracts)* Variable annuity*Insurance contract liabilities of 27,938m and liabilities of investment contracts without discretionary participation features of 2< ,885m.23cThe tables below show the carrying value of the policyholder liabilities. Separately, the Group uses cash flow projections of expected benefit payments as part of the determination of the value of in-force business when preparing EEV basis results. The tables below also show the maturity profile of the cash flows used for 2008 for that purpose for insurance contracts, as defined by IFRS, i.e. those containing significant insurance risk, and investment contracts, which do not.The Group uses cash flow projections of expected benefit payments as part of the determination of the value of in-force business when preparing EEV basis results. The maturity profile of the cash flows, taking account of expected future premiums and investment returns, is as follows:On 20 February 2009, the Company announced that it had entered into an agreement to sell the assets and liabilities of its agency distribution business and its agency force in Taiwan to China Life Insurance Company Ltd of Taiwan for the nominal sum of NT$1 subject to regulatory approval. In addition, the Company will invest 45 million to purchase a 9.95 per cent stake in China Life through a share placement. The business to be transferred represents 94 per cent of Prudential s in-force liabilities in Taiwan and includes Prudential s legacy interest rate guaranteed products with IFRS basis gross assets at 31 December 2008 of 4.5 billion.`The movement in shareholders IFRS equity for the total Taiwan life business for 2008 comprised:qTotal tax charge on operating profit from continuing operations based on longer-term investment returns (note 7c)uIFRS basis results - Intended sale of legacy agency book and agency force in Taiwan to China Life Insurance of TaiwanXOn 20 February 2009, the Company announced that it had entered into an agreement to sell the assets and liabilities of its agency distribution business and its agency force in Taiwan to China Life Insurance Company Ltd of Taiwan for the nominal sum of NT$1. In addition, Prudential will invest 45 million to purchase a 9.95 per cent stake in China Life through a share placement. The business being transferred represents 94 per cent of Prudential s in-force liabilities in Taiwan and includes Prudential s legacy interest rate guaranteed products. The transfer is subject to regulatory approval. Schedule 22.1At 1 January 2007Premiums SurrendersMaturities/DeathsShareholders transfers post tax,Investment-related items and other movements(Foreign exchange translation differences"At 31 December 2007/1 January 2008At 31 December 2008 Schedule 22.2Shareholders transfer post tax Premiums %Fixed annuity, GIC and other businessSwitchesOther funds and subsidiaries"SAIF and PAC with-profits sub-fund$Annuity and other long-term business0Assumption changes (shareholder backed business) Schedule 22.3 Schedule 22.4JEarnings per share, return on embedded value and net asset value per shareMEarnings per share, return on shareholder value and net asset value per share9Operating profit, based on longer-term investment returnsPChanges in economic assumptions and time value of cost of options and guaranteesTax (Schedule 7)Minority interests (note 1.1c)Earnings per share (pence)As above1.1dYBased on the closing issued share capital as at 31 December 2008 of 2,497 million shares.Profit for the yearProfit after tax9.9p1.2eTax (Schedule 18).(Profit) loss after tax and minority interests42.5p(58.1)p(0.4)p(16.0)p15.1b33.3p(4.5)p(0.0)p28.8p38.7pThe average number of shares for 2008 was 2,445 million. The average number of shares reflects the average number in issue adjusted for shares held by employee trusts and consolidated unit trusts and OEICs which are treated as cancelled.15.2cYBased on the closing issued share capital as at 31 December 2007 of 2,470 million shares.24a24b24c24d24e24f24g24h Schedule 28.1 Schedule 28.2 (note 28.2a)28.2a Schedule 28.3>Annual premium equivalent insurance product sales (note 28.3b) (note 28.3a)28.3a28.3b Schedule 38 Schedule 33#Maintenance expenses - 10% decreaseLapse rates - 10% decrease%Mortality and morbidity - 5% decreaseChange representing effect on:Annuity businessAnnuity business :Total long-term business operationsRevised basis (schedule 1.1)>(2) Represents cash received from sale of investment products. 9d mLong-term business (note 7a): (i)(ii) 31 Dec 2007'Asian operations - economic assumptionsStochastic assumptions(b)iThe mean equity return assumptions for the most significant equity holdings in the Asian operations were:US operations (Jackson)6.07.0pMean returns have been derived as the annualised arithmetic average return across all simulations and durations.UKOverseasLevel of encumbered capital Schedule 2Economic assumptionsEarnings per shareNew business profit and margins$Items excluded from operating profit'Tax charge attributable to shareholdersIn forceAcquired goodwill (note 8e)Asset management (note 8g)Capital charge (note 8d)7Broker-dealer and asset management operations (note 8g)?The tables below summarise the principal financial assumptions:QPost-tax expected long-term nominal rate of return for the PAC with-profits fund: Pre-tax (note 4c)0Pre-tax (note 4c)Asian operations (note 5b)!UK insurance operations (note 5d)kIncluding tax relief on Asia development expenses and restructuring costs borne by UK insurance operations.The average number of shares for 2007 was 2,445 million. The average number of shares reflects the average number in issue adjusted for shares held by employee trusts and consolidated unit trusts and OEICs which are treated as cancelled. Analysed as:Minority interests Related taxExternal dividends4f Basis of preparation of results Total4a Hong Kong Korea India Other4b4d4e Schedule 57c7dbusinessQReconciliation of 2008 movement in Group net worth and value of in-force business!Supplementary analysis of profit Schedule 16Total Asian Retail Mutual FundsfOn operating profit, based on longer-term investment returns, after related tax and minority interestsHolding company net borrowingsAsian insurance operations)The (losses) profits on changes in economic assumptions and time value of cost of options and guarantees resulting from changes in economic factors for in-force business included within the (loss) profit from continuing operations before tax (including actual investment returns) arise as follows:The effect of chan< ges in economic assumptions of a charge of (783) million for UK insurance operations comprises the effect of:%Add: Cost of time value of guarantees(Interest rates - 1% increase (note 12a)  M&G (note 8g) 8Holding company net borrowings at market value (note 8f)Other net liabilities (note 8g) m Hong Kong Taiwan Development expensesTotal Asian operations Total Asian operationsJackson Shareholders' funds Loss due to changed expectation of profits from fees on in-force variable annuity business in future periods based on current period equity returns, net of related hedging activity*Investment products referred to in the tables for funds under management are unit trusts, mutual funds and similar types of retail fund management arrangements. These are unrelated to insurance products that are classified as investment contracts under IFRS 4, as described in the preceding paragraph, although similar IFRS recognition and measurement principles apply to the acquisition costs and fees attaching to this type of business. (notes iv, v) (notes ii, v)3Restructuring costs have been incurred as follows:  Asian operations US operations UK operationsDebt securitiesLoans and receivablesOther investments* This adjustment arises due to the market returns being lower than the assumed longer-term rate of return. This gives rise to lower than expected year end values of variable annuity assets under management with a resulting effect on the projected value of future account values and hence future profitability from altered fees. For 2008, the US equity market returns were approximately negative 38.5 per cent compared to the assumed longer-term rate of return of 5.8 per cent. The 195 million credit also includes a cost of capital charge of (34) million for the effect of holding the short-term credit risk reserve for statutory reporting and releasing it over an assumed five year period. Also included in operating profit for business in-force is a credit of 56 million in respect of the release of certain annuity business reserves, a credit of 24 million in respect of the release of prior period provisions relating to Credit Life business, and a net credit of 31 million for other items.The profit for the year for covered business is in most cases calculated initially at the post-tax level. The post-tax profit for covered business is then grossed up for presentation purposes at the effective rates of tax applicable to the countries and periods concerned. In the UK, the effective rate is the UK corporation tax rate of 28 per cent which took effect from 1 April 2008. For Jackson, the US federal rate of 35 per cent is applied to gross up movements on the value of in-force business. Effects on statutory tax for the period affect the overall tax rate. For Asia, similar principles apply subject to the availablility of taxable profits. Accounting presentationAnalysis of profit before tax To the extent applicable, presentation of the EEV profit for the year is consistent with the basis that the Group applies for analysis of IFRS basis profits before shareholder taxes between operating and non-operating results. Operating results reflect the underlying results of the Group s continuing operations including longer-term investment returns. Operating results include the impact of routine changes of estimates and non-economic assumptions. Non operating results comprise short-term fluctuations in investment returns, the shareholders share of actuarial and other gains and losses on defined benefit pension schemes, the mark to market value movements on core borrowings and the effect of changes in economic assumptions and changes in the time value of cost of options and guarantees.Operating profitInvestment returns, including investment gains, in respect of long-term insurance business are recognised in operating results at the expected long-term rate of return. For the purpose of calculating the longer-term investment return to be included in the operating results of UK operations, where equity holdings are a significant proportion of investment portfolios, values of assets at the beginning of the reporting period are adjusted to remove the effects of short-term market volatility. For the purposes of determining the long-term returns for debt securities of shareholder-backed operations, a risk margin charge is included which reflects the expected long-term rate of default based on the credit quality of the portfolio. For Jackson, interest-related realised gains and losses are amortised to the operating results over the maturity period of the sold bonds and for equity-related investments, a long-term rate of return is assumed, which reflects the aggregation of risk-free rates and equity risk premium. For US variable annuity separate account business, operating profit reflects the expected longer-term rate of return with the excess or deficit of the actual return recognised within non-operating profit, together with the related hedging activity.For UK annuity business, rebalancing of the asset portfolio backing the liabilities to policyholders may from time to time take place to align it more closely with the internal benchmark of credit quality that management applies. Such rebalancing will result in a change in the risk adjusted yield on the assets used to determine the valuation interest rate for calculating the carrying value of policyholder liabilities. Operating profit includes the effect of rebalancing the portfolio calibrated to investment conditions at 31 December 2006 i.e. prior to the exceptional spread widening in 2007 and 2008. Non-operating profit incorporates the effect of rebalancing calibrated by reference to changes to credit spreads since 31 December 2006.The risk discount rates at 31 December 2008 for new business and business in-force for US operations reflect weighted rates based on underlying rates of 6.2 per cent for variable annuity (VA) business and 3.0 per cent for other business. The decrease in the weighted discount rates reflects the decrease in the US 10-year treasury bond rate of 180 bps and a change in the product mix with the 2008 results seeing an increase in the proportion of new and in-force business arising from other than VA business. The charge of 32 million (2007: 20 million) comprises 28 million (2007: 19 million) recognised on the IFRS basis and an additional 4 million (2007: 1 million) recognised on the EEV basis for the shareholders' share of costs incurred by the PAC with-profits fund. 4gThe spread assumption for Jackson is determined on a longer-term basis net of a provision for defaults, with impairment losses in excess of the provision for defaults taken through short-term fluctuations in investment returns.For traditional business in Taiwan, the economic scenarios used to calculate the 2008 and 2007 EEV basis results reflect the assumption of a phased progression of the bond yields from the current rates applying to the assets held to the long-term expected rates.Release of margins:PRILDerecognition of surplus8Set up obligation for deficit funding until 5 April 2010Gross asset (liability)2Less: amount attributable to PAC with-profits fund Gross of taxThe components of the (charge) credit to operating< profit (gross of allocation of the share attributable to the PAC with-profits fund) are as follows:Finance (expense) income:&Interest on pension scheme liabilitiesCurtailment creditThis net charge represents:"Subordinated notes (Lower Tier 2*) Senior debt:Holding company total%Jackson surplus notes (Lower Tier 2*)ANet core structural borrowings of shareholder-financed operationsMovements in the value of in-force business caused by changes in economic assumptions and the time value of cost of options and guarantees resulting from changes in economic factors are recorded in non-operating results.* This adjustment reflects the reserve for short-term credit risk that was established for Pillar I reporting subsequent to the EEV full year 2007 basis results announced in March 2008 and the movement in 2008.mProfits are translated at average exchange rates, consistent with the method applied for statutory IFRS basis results. The amounts recorded above for exchange rate movements reflect the difference between 2008 and 2007 exchange rates as applied to shareholders' funds at 1 January 2008 and the difference between 31 December 2008 and average 2008 rates for profits.New business contribution *Existing business - transfer to net worth )Existing business - transfer to net worthdTotal operating profit from continuing operations based on longer-term investment returns before taxUS operations (note 4b) Margins on new business premiumsProduct Summary Direct and Partnership AnnuitiesIntermediated AnnuitiesTotal Individual AnnuitiesEquity Release ProtectionOffshore ProductsOther ProductsTotal Mature Life and PensionsWholesale AnnuitiesChannel SummaryDirect and Partnership Intermediated WholesaleEEV basis shareholders' funds Assumed investment returns reflect the expected future returns on the assets held and allocated to the covered business at the valuation date. *Additional retained profit on an EEV basisUK Insurance Operations New business>Pre-tax expected long-term nominal rates of investment return: UK equitiesOverseas equitiesPropertyGilts$Expected long-term rate of inflation'Pension business (where no tax applies) Life businessCExpected long-term spread between earned rate and rate credited to The contribution from new business represents profits determined by applying non-economic assumptions as at the end of the year., " Asian operations: the economic capital requirement is substantially higher than local statutory requirements in total. Economic capital requirements vary by territory, but in aggregate, the encumbered capital is broadly equivalent to the amount required under the Insurance Groups Directive (IGD).6"Asian operations (notes 7b and 7c))UK insurance operations (notes 7b and 7c)rTax (credit) charge on effect of changes in economic assumptions and time value of cost of options and guarantees &PRUDENTIAL STAFF PENSION SCHEME (PSPS) PSPS surplus3Less: amount attributable to PAC with-profits fund PSPS surplus (deficit)%OTHER DEFINED BENEFIT PENSION SCHEMES#ALL DEFINED BENEFIT PENSION SCHEMES8Actual less longer-term return on equity-type securities%Items excluded from operating profit:"Investment in operations (note 9b)=Experience variances and other items of a charge of (1) million (2007: credit of 5 million) include a credit of 36 million (2007: 47 million) for favourable mortality and morbidity experience variance relating to better than expected experience across most territories, offset by a charge of (34) million (2007: (27) million) for expense experience variances and (3) million (2007: (4) million) of other charges. Also for 2007 there is a charge of (11) million in respect of Vietnam for higher than expected investment fees payable on asset managers' performance.WEffect of adjustments for certain reserves, surplus note borrowing and required capitalhShareholders' share of actuarial and other gains and losses on defined benefit pension schemes (note 6c)AIn determining the new business contribution for UK immediate annuity and lifetime mortgage business, which is interest rate sensitive, it is appropriate to use point of sale economic assumptions, consistent with how the business is priced. For other business within the Group end of period economic assumptions are used.The new business risk discount rate for shareholder-backed annuity business for 2008 reflects the assets allocated to back new business with an allowance for credit risk based on point of sale market conditions, consistent with how the business was priced. The allowance for credit risk for new business at point of sale is determined using the same methodology for in-force business described in note (iv) below.(a) 16 bps for fixed annuities and 13 bps for inflation-linked annuities in respect of long-term expected defaults; this is derived by applying Moody's data from 1970 onwards uplifted by between 100 per cent (B) and 200 per cent (AAA) according to credit rating, to the asset portfolios.(b) 11 bps for fixed annuities and 9 bps for inflation-linked annuities in respect of long-term credit risk premium for the potential volatility in default levels; this is derived by applying the 95th worst percentile from Moody's data from 1970 onwards, to the asset portfolios.FGroup Summary and insurance operations - Constant exchange rates (APE)DGroup Summary and insurance operations - Actual exchange rates (APE)HGroup Summary and insurance operations - Constant exchange rates (PVNBP)FGroup Summary and insurance operations - Actual exchange rates (PVNBP)US operations (note 6d(ii))Internal Vesting annuitiesUnit Linked BondsWith-Profit BondsTotal Retail Retirement Total Retail Credit LifeTotal US2007 Q4Q4 2007US Retail Mutual FundsAnnual Equivalents (3)2M&G (5)2PVNBP"Asian Insurance Operations (1b)(8)2 Other (4)3'PRUDENTIAL PLC - NEW BUSINESS SCHEDULESTotal insurance1.2d&Discontinued operations relate to Egg.Asia Third Party7Operating profits from new long-term insurance business0New Business Premiums (note 4d)-New Business Margin (note 4e)SingleRegular(APE)(PVNBP)%+TOTAL INSURANCE AND INVESTMENT NEW BUSINESS+/-(%)Total Insurance Products Group TotalINSURANCE OPERATIONS$Mark to market value adjustment 2008EEV 2008 IFRS 2007EEV 2007&Shareholders' equity at 1 January 2008(Shareholders' equity at 31 December 2008New business profit for 2008Other schemesYThe mean stochastic returns are consistent with the mean deterministic returns for each country. The expected volatility of equity returns for 2008 ranges from 18 per cent to 30 per cent (2007: 18 per cent to 25 per cent) and the volatility of government bond yields ranges from 1.4 per cent to 2.4 per cent (2007: 1.3 per cent to 2.5 per cent).12a12bTaiwan (note 12b)'Interest rates - 1% decrease (note 12a)m 2008 ResultsPValue of in-force business before deduction of cost of capital and of guaranteeslong-term business operations2On value of in-force business and required capital," 1 per cent increase in the discount rates0" 1 per cent rise in equity and property yieldsThe definition of long-term business operations is consistent with previous practice and comprises those contracts falling under the definition of long-term insurance business for regulatory purposes together with, for US operations, contracts that are in substance the same as guaranteed investment contracts (GICs) but do not fall within the technical definitio< n. Under the EEV Principles, the results for covered business incorporate the projected margins of attaching internal asset management. (v) 5.4 to 5.6 5.0 to 5.2*Total EEV basis results for asset management operations reflect the aggregate of the experience variance between the actual and expected contribution from managing internal long-term business funds falling within the scope of covered business, and the contribution from managing external and other internal funds. The asset management results for business unit operations shown above reflect the IFRS result. The adjustment to other income is that required to derive the correct overall EEV contribution./(8) Sales are converted using the year to date average exchange rate applicable at the time. The sterling results for individual quarters represent the difference between the year to date reported sterling results at successive quarters and will include foreign exchange movements from earlier periods. (9) 234m of FUM reported under Prudential Asian funds operations relate to M&G's products distributed through Asian operations and this amount is also included in M&G's FUM. 2Effect of adoption of IFRIC 14 for pension schemes>UK credit risk provisions and effects of portfolio rebalancingValuation of new businessmOperating profit (loss) based on longer-term investment returns for Asian operations are analysed as follows:BIntended sale of legacy agency book and agency in force in Taiwan IFRS basis results*US operations (note 5c)7IFRS 2008"Decrease by 0.2% from 6.1% to 5.9%"Increase by 0.2% from 6.1% to 6.3%PDecrease by 0.2% from 3.0% to 2.8% with consequent reduction in salary increasesMIn respect of the position at 31 December 2008, the Group has not recognised the underlying PSPS pension surplus of 728m (615m net of deferred tax), reflecting the difference between the market value of the scheme assets and the discounted value of the liabilities, which would have otherwise been recognised as an asset on its balance sheet under the previous policy. In addition, the Group has recognised a liability for deficit funding to 5 April 2010 of 65m (55m net of deferred tax) in respect of PSPS. Of these, the amounts attributable to shareholders are 223m (160m net of deferred tax) for the surplus not recognised as an asset and 20m (15m net of deferred tax) for the additional liability for deficit funding. In total the impact on shareholders equity at 31 December 2008 is a reduction of 175m as shown in note (c) below./As included in the investments section of the consolidated balance sheet at 31 December 2008 except for 0.4 billion (2007: 0.8 billion) investment properties which are held-for-sale, under development or occupied by the Group and, accordingly under IFRS, are included in other balance sheet captions. SOperating profit from continuing operations based on longer-term investment returns!All figures shown are net of tax.Total net worth Funds under management - summaryTotal funds under management;Internal funds under management - analysis by business area 8.1 to 10.24h1Profits from asset management of covered businessIncluded within pre-tax new business profits shown in the table above are profits arising from asset management business falling within the scope of covered business of:&Present Value of New Business Premiums5New Business Margin (note 4e)=New Business Premiums (note 4d) AssumptionChange in assumption,Impact on scheme liabilities on IAS 19 basis7Unwind of discount and other expected returns (note 5a)8Unwind of discount and other expected returns (note 5a):OtherTotal in-forceAfter change (schedule 1.2) (note 16c)Tax SOn profit for the year after tax and minority interests for discontinued operations8aLong-term business (note 8a)8b8c8d8e8f8gExchange movements (note 9a)Other transfers (note 9d) 1-5 years 6-10 years 11-15 years 16-20 years 20+ years Schedule 13)Risk discount rate (notes (ii) and (iv)):, - other business9Corporate bonds - with-profits funds (notes (iv) and (v))?Expected transfer of value of in-force business to free surplus$Duration of policyholder liabilities#on defined benefit pension schemes /The new business schedules are provided as an indicative volume measure of transactions undertaken in the reporting period that have the potential to generate profits for shareholders. The amounts shown are not, and not intended to be, reflective of premium income recorded in the IFRS income statement. 2007 Results2007New business profit for 2007General insurance commissionMUnder IFRS, goodwill is not amortised, but is subject to impairment testing. Goodwill attaching to venture fund investment subsidiaries of the PAC with-profits fund that are consolidated under IFRS is not included in the table above as the goodwill attaching to these companies is not relevant to the analysis of shareholders' funds.'*Including central finance subsidiaries<M&G operating profit based on longer-term investment returns Other income Staff costs Other costs:Embedded value of long-term operations at 31 December 2007Individual PensionsUS operations Total US operations.Present value of new business premiums (PVNBP)Net of shareholders' taxExpected return on assets%Actual less expected return on assetsWith two principal exceptions, covered business comprises the Group's long-term business operations. The principal exceptions are for the closed Scottish Amicable Insurance Fund (SAIF) and for the presentational treatment of the financial position of two of the Group's defined benefit pension schemes. A very small amount of UK group pensions business is also not modelled for EEV reporting purposes.2008 bn2007 bn+2008 As published2007 As published)2007 MemorandumThe 'as published' operating profit for 2008 and 'memorandum' operating profit for 2007 have been calculated by applying average 2008 exchange rates. The 'as published' results for 2008 and 'memorandum' results for 2007 have been calculated by applying average 2008 exchange rates.JTax attributable to shareholders' (loss) profit from continuing operationsInsurance operations:52. Sensitivity to changes in non-economic assumptionsbTax charge on operating profit from continuing operations based on longer-term investment returns =Tax (credit) charge on items not included in operating profitDTax (credit) charge on short-term fluctuations in investment returns/Profit before tax attributable to shareholders:8Operating profit based on longer-term investment returns"on defined benefit pension schemesUK insurance operationsX(4) In Asia, 'Other' insurance operations include Thailand, the Philippines and Vietnam. Asset management operationsdThe profit included in the income statement in respect of asset management operations is as follows: Comprising:Cash-like investmentsPDecrease by 0.2% from 3.3% to 3.1% with consequent reduction in salary increases< gOn operating profit, based on longer-term investment returns, after related tax and minority interests:as previously published'Profit after tax and minority interests1.1c$Basic earnings per share (note 1.2a)(5) Balance includes segregated and pooled pension funds, private finance assets and other institutional clients. Other movements reflect the net flows arising from the cash component of a tactical asset allocation fund managed by PPM South Africa. 5c5d$(i) Changes in operating assumptions)(ii) Experience variances and other items Discount rate)Statutory IFRS basis shareholders' equity(iv)Change in economic assumptions6Change in time value of cost of options and guarantees4cRate of increase in salariesPrice inflation6Rate of increase of pensions in payment for inflation:4Schedule 6 continued +surpluscapitalbusiness operationsInterest rates&1% decrease in the starting bond rates : total,Total insurance and investment product flows Investment% Guaranteed (maximum 5 per cent)' Guaranteed (maximum 2.5 per cent)Restructuring costs!All figures are shown net of tax.Investment movements primarily reflect temporary market movements on the portfolio of investments held by the Group s shareholder-backed operations together with the shareholders 10 per cent interest in the value movements on the assets in the with-profits funds. Surplus  FreeThe results for Asian operations include those of the Taiwanese life operations for which the Company agreed to transfer its agency business to China Life on 20 February 2009. Details are included in schedule 14.Total UK insurance operations;Actuarial (losses) gains on defined benefit pension schemesShareholder-backedNoteTotal 4Tax on short-term fluctuations in investment returnsaTax on effect of changes in economic assumptions and time value of cost of options and guarantees7On profit for the year after tax and minority interests.Interest payable on core structural borrowingsCorporate expenditureGroup Head OfficeAsia Regional Head Office6Charge for share-based payments for Prudential schemes Schedule 37The format of the schedules is consistent with the distinction between insurance and investment products as applied for previous financial reporting periods. Products categorised as "insurance" refer to those classified as contracts of long-term insurance business for regulatory reporting purposes, i.e. falling within one of the classes of insurance specified in part II of Schedule 1 to the Regulated Activities Order under FSA regulations.The details shown for insurance products include contributions for contracts that are classified under IFRS 4 "Insurance Contracts" as not containing significant insurance risk. These products are described as investment contracts or other financial instruments under IFRS. Contracts included in this category are primarily certain unit-linked and similar contracts written in UK Insurance Operations, and Guaranteed Investment Contracts and similar funding agreements written in US Operations.New business premiums for regular premium products are shown on an annualised basis. Department of Work and Pensions rebate business is classified as single recurrent business. Internal vesting business is classified as new business where the contracts include an open market option. Notes to Schedules 29-38 Schedule 39(1a) Insurance and investment new business for overseas operations has been calculated using constant exchange rates. The applicable rate for Jackson is 1.85. (1b) Insurance and investment new business for overseas operations has been calculated using actual exchange rates. The applicable rate for Jackson is 1.85 (2007:2.00 ).(3) Annual Equivalents, calculated as regular new business contributions plus 10 per cent single new business contributions, are subject to roundings. PVNBPs are calculated as equalling single premiums plus the present value of expected premiums of new regular premium business. In determining the present value, allowance is made for lapses and other assumptions applied in determining the EEV new business profit. i(6) New business in India is included at Prudential's 26 per cent interest in the India life operation.  (7) Balance sheet figures have been calculated at the closing exchange rate. The 2007 balance is shown on a constant exchange rate. For IFRS reporting, the results for UK shareholder-backed annuity business are particularly sensitive to the allowances made for credit risk. The allowance is reflected in the deduction from the valuation rate of interest for discounting projected future annuity payments to policyholders that would have otherwise applied. The valuation rate that is applied includes a liquidity premium that reflects the residual element of current bond spreads over swap rates after providing for the credit risk allowance.(bps)(Adjustment from regulatory to IFRS basisIFRS &Bond spread over swap rates (note (i))Credit risk allowance'Long-term expected defaults (note (ii))*Long-term credit risk premium (note (iii))Total credit risk allowanceLiquidity premiumBy comparison, for 2007, the weighted components of the bond spread over swap rates for shareholder-backed fixed and linked annuity business on the IFRS basis at 31 December 2007 based on the asset mix of the portfolio at that date were as follows:|During the second half of 2007, corporate bond spreads widened significantly and the methodology was reviewed to ensure that it still made appropriate allowance for credit risk. As a result of this review a short-term allowance for credit risk was established to allow for the concern that credit ratings applied by rating agencies to individual bonds might be over optimistic. The short-term allowance for credit risk assumed in the Pillar I solvency valuation has been determined as 25 per cent of the increase in corporate bond spreads (as estimated from the movements in published corporate bond indices) since 31 December 2006.Long-term credit risk premium; this provides compensation against the risk of potential volatility in the level of defaults and is derived by applying the 95th percentile from Moody s data from 1970 to 2004 to the annuity asset portfolio.SIFRS basis results - UK credit risk provisions and effects of portfolio rebalancing+Pillar I regulatory basis'Pillar I regulatory basis$Shareholder-backed annuity business:%Basic earnings per share (note 15.2a)15.2a15.2b Schedule 15.2 Schedule 15.1%Basic earnings per share (note 15.1a)15.1a Schedule 17.117.2a17.2b Schedule 17.2 Schedule 17.3 Schedule 18.Short-term fluctuations in investment returns -Variance from expected tax charge (note 18b):'Total insurance operations (note 17.2a)Revenue (note 19a)COperating profit based on longer-term investment returns (note 19b)3Jackson (net of surplus note borrowings (note 20a)))Holding company net borrowings (note 20a) Schedule 21GIFRS basis results - Effect of adoption of IFRIC 14 for pension schemesFOperating profit based on longer-term investment returns (schedule 16)(Basic earnings per share (schedule 15.2) Schedule 27.127.1aExternal funds (note 27.1a),Business Area (as analysed on schedule 27.2)27.2a Schedule 27.2mThe Group's liabilities to policyholders at 31 December 2008 as included in the Group balance sheet comprise:IInvestment contract liabilities with discretionary par< ticipation featuresLInvestment contract liabilities without discretionary participation featuresThe cash flow projections of expected benefit payments used in the maturity profile tables are from value of in-force business and exclude the value of future new business, including vesting of internal pension contracts.&Annuity business (Insurance contracts)With-profits business Insurance Investment contractsPAL contractsPolicyholder liabilitiesExpected maturity: 0 to 5 years 5 to 10 years10 to 15 years15 to 20 years20 to 25 years Over 25 years(i) The cash flow projections of expected benefit payments used in the maturity profile table above are from value of in-force business and exclude the value of future new business, including vesting of internal pension contracts.(ii) Benefit payments do not reflect the pattern of bonuses and shareholder transfers in respect of the with-profits business.&Smoothed shareholders' funds (note 8c)ZUK long-term business smoothed shareholders' funds reflect an adjustment to the assets of the PAC with-profits fund, for the purposes of determining the unwind of discount included in operating profits, to remove the short-term volatility in market values of assets. Shareholders' funds in the balance sheet are determined on an unsmoothed basis.>IFRS basis deficit (relating to shareholder-backed operations)!Subordinated debt (Lower Tier 2) Senior debtxFor UK insurance operations there is a net nil charge or credit for the 2008 and 2007 results. However, the 2007 results for annuity business have been determined after a strengthening of explicit mortality assumptions and the release of excess margins in the aggregate liabilities that had previously been set aside as an indirect extra allowance for longevity related risks.GThe effect of changes in operating assumptions represent the following:>Operating profit based on longer-term investment returns from:The net charge to operating profit (gross of the share attributable to the PAC with-profits fund) of 36 million is made up of a charge of 29 million relating to PSPS and a charge of 7 million for other schemes. .Changes in operating assumptions (note 5c(ii))Other items (note 5d(iii))M&G pension scheme Scottish Amicable pension scheme" The corporate bond return is calculated as the return on a zero-coupon bond plus a spread. The spread process is a mean reverting stochastic process; and" Property returns are modelled in a similar fashion to corporate bonds, namely as the return on a riskless bond, plus a risk premium, plus a process representative of the change in residual values and the change in value of the call option on rents. Equities:]" Interest rates are projected using a log-normal generator calibrated to actual market data;" Corporate bond returns are based on Treasury securities plus a spread that has been calibrated to current market conditions and varies by credit quality; and#(Charge) credit to income statementNew business margin (APE)1Underlying profit before performance-related feesPerformance-related feesBTotal M&G operating profit based on longer-term investment returnsHTotal EEV (loss) profit from continuing operations before tax comprises:3(Loss) Profit from continuing operations before taxAsian (note 6a(i))US (note 6a(ii))UK (note 6a(iii))/The short-term fluctuations in investment returns for US operations primarily reflect the impact of impairment losses on debt securities and the effects on the value of variable annuity business of adverse movements in US equity markets. The fluctuations for US operations comprise the following items:Realised impairment losses:5Less: Risk margin charge included in operating profitcross 5(Loss) profit before tax attributable to shareholders)Tax attributable to shareholders' profits2(Loss) profit from continuing operations after tax%Discontinued operations (net of tax) 2Items recognised directly in shareholders' equity:Exchange translation movements GrossiUnrealised valuation movements on securities classified as available-for-sale for US insurance operationsGross valuation movements7Other items recognised directly in shareholders' equityBTotal of items of income and expense recognised directly in equitysConsistent with the EEV methodology applied, a constant discount rate has been applied to the projected cash flows.Other business: 6.4 to 6.7 5.7 to 5.8'New Business at constant exchange rates'Spread experience variance (note 5c(i)),Schedule 5 (continued) !'(i) Spread experience variance&(ii) Changes in operating assumptions&Strengthening of mortality assumptionsProjected benefit relatedInvestment relatedExpense related Other US insurance operations1The current mortality assumptions are as follows: Male: Female: 2Experience variances and other items (note 5b(ii))Retirement benefits?Group Summary - Investment operations - Constant exchange rates=Group Summary - Investment operations - Actual exchange ratesF*Comparative results - change of accounting policy for pension schemesHUS operations - net of tax profits from new long-term insurance business net worth(The tables for Asian operations above reflect the inclusion of CITIC-Prudential Life Insurance Company Ltd, the Group s life operation in China as a 50 per cent held joint venture for 2008 and 2007 reflecting the economic interest throughout both years. Previously, for presentational purposes, the 2007 results reflected the inclusion of CITIC-Prudential as a subsidiary undertaking up to 29 September 2007 and 50 per cent thereafter following the change of management arrangement after this date, with appropriate minority interest accounting to reflect the 50 per cent economic interest. The presentation of the operating profit for 2007 has been adjusted to allocate 10 million of profit from the result for new business to business in-force to prevent distortion of the published new business margin.The loss of (15) million (2007: loss of (5) million) included within (loss) profit before tax reflects the shareholders share of actuarial and other gains and losses on the Group s defined benefit pension schemes and can be analysed as follows:. *On the EEV basis this (charge) gain includes a 10 per cent share of the actuarial gains and losses on the sh< are attributable to the PAC with-profits fund for the Scottish Amicable Pension Scheme. Consistent with the derecognition of the Company's interest in the underlying surplus for PSPS, under the change of accounting policy described in schedule 13, it is not appropriate to report actuarial gains and losses for PSPS. The other losses for PSPS of (5) million represents the charge during 2008 in the provision for the deficit funding obligation.hTotal tax (credit) charge on items not included in operating profit from continuing operations (note 7d)TOperating profit from continuing operations based on longer-term investment returns Schedule 8 Schedule 11 Schedule 19 Schedule 26C(a) Effect on the EEV profits and movements in shareholders' equity As published-Short term fluctuations in investment returns(Loss) profit before tax<Actual shareholders' funds less smoothed shareholders' fundsEEV basis shareholders' fundsNet assets of operations8Net assets of operations - EEV basis shareholders' funds3b4Reserve movements in respect of share-based paymentsTotal UK operations Schedule 23 Schedule 24 Schedule 25oOperating profit from continuing operations based on longer-term investment returns (as analysed on schedule 3)Net assets of operations " 1 per cent increase and decrease in interest rates, including all consequential changes (assumed investment returns for all assets classes, market values of fixed interest assets, risk discount rates)Business in force The proportion of surplus allocated to shareholders from the UK with-profits business has been based on the present level of 10 per cent. Future bonus rates have been set at levels which would fully utilise the assets of the with-profits fund over the lifetime of the business in force.Business in forceRisk discount rate:&Weighted risk discount rate (note (i))As reported (schedule 9)Value of in-force business includes the value of future margins from current in-force business less the cost of holding encumbered capital.5a5b Schedule 6Other operations6a6b6cZEffect of changes in economic assumptions and time value of cost of options and guarantees6d Schedule 7Other operations 7a7bLong-term business operations insurance2Shareholders share of actuarial gains and losses Shareholders' funds1Sensitivity of results to alternative assumptionsIFRS basis results-Short-term fluctuations in investment returns EEV basis Schedule 4Tax)Weighted average for all Asian operations," US operations: the level of encumbered capital has been set to an amount at least equal to 235 per cent of the risk-based capital required by the National Association of Insurance Commissioners (NAIC) at the Company Action Level (CAL), which is sufficient to meet the economic capital requirement.$IFRS basis (as shown on schedule 16)'(schedule 10.1 note 10.1b)8(schedule 10.1 note 10.1b)10.1a10.1b10.1c10.1d10.1e10.1f10.1g10.1h@Adjustment in respect of certain statutory reserves (note 10.1f)5Shareholders' equity at 31 December 2008 (note 10.1h)&New business contribution (note 10.1b) (note 10.1d) (note 10.1e)lEEV basis results - Reconciliation of 2008 movement in net worth and value of in-force business (note 10.1a)New business premiums reflect those premiums attaching to covered business, including premiums for contracts classified as investment products for IFRS basis reporting. New business premiums for regular premium products are shown on an annualised basis. Department of Work and Pensions (DWP) rebate business is classified as single recurrent business. Internal vesting business is classified as new business where the contracts include an open market option. New business margins are shown on two bases, namely the margins by reference to Annual Premium and Contribution Equivalents (APE) and the Present Value of New Business Premiums (PVNBP). APEs are calculated as the aggregate of regular new business amounts and one tenth of single new business amounts. PVNBPs are calculated as equalling single premiums plus the present value of expected premiums of new regular premium business, allowing for lapses and other assumptions made in determining the EEV new business contribution.To align with the treatment in the 2008 results, the tables for UK insurance operations above for 2007 reflect the inclusion of the Group s UK health insurance joint venture operation, PruHealth, with an APE of 13 million and PVNBP of 107 million.The tables above include for 2007 the transfer of 62,000 with-profits annuity policies from Equitable Life on 31 December 2007 with assets of approximately 1.7 billion. The transfer represented an APE of 174 million.Other represents a mixture of other income and expenses that are not directly allocated to the underlying drivers, including non-recurring items.Asia Net Insurance marginAsset management feesUThe principal defined benefit pension scheme is PSPS. In the UK there are two smaller schemes, the Scottish Amicable Pension Scheme and the M&G Pension Scheme, with a combined deficit at 31 December 2008 of 67 million gross of tax. There is also a small scheme in Taiwan, which at 31 December 2008 had a deficit gross of tax of 17 million.Tax (credit) charge on (loss) profit on ordinary activities from continuing operations (including tax on actual investment returns)UK operations (notes 8a and 8b)CCore structural borrowings - Central funds (at market value) (note)(notes iii, iv, v)To obtain the mean, an average over all simulations of the accumulated return at the end of the projection period is calculated. The annual average return is then calculated by taking the root of the average accumulated return minus 1.ZThe same asset return models as used in the UK, appropriately calibrated, have been used for the Asian operations as described for UK insurance operations below. The principal asset classes are government and corporate bonds. Equity holdings are much lower than in the UK whilst property holdings do not represent a significant investment asset." UK insurance operations: the economic capital requirements for annuity business are fully met by Pillar I requirements being four per cent of mathematical reserves, which are also sufficient to meet Pillar II requirements. For unit-linked and other shareholder-backed business the encumbered capital held reflects the statutory minimum Pillar I requirement, as required by the UK regulatory authorities. China (note 4g) Taiwan (note 4f)VarianceOther Mutual Fund Operations 2008 Movement Relative to 20072008 Q4US (7)2(Loss) profit after taxDiscontinued operationsLess: minority interests@Variances from expected tax results attributable to shareholdersGRelated change in amortisation of deferred income and ac< quisition costs18a18bgThe EEV basis results have been prepared in accordance with the EEV Principles issued by the CFO Forum of European Insurance Companies in May 2004 and expanded by the Additional Guidance on EEV Disclosures published in October 2005. Where appropriate the EEV basis results include the effects of adoption of International Financial Reporting Standards (IFRS).In determining the EEV basis value of new business written in the year the policies incept, premiums are included in projected cash flows on the same basis of distinguishing annual and single premium business as set out for statutory basis reporting.On surplus assets;Amortisation of interest-related realised gains and losses -Unwind of discount and other expected returnsO" Holding company statutory minimum capital (by contrast to economic capital).Y" Interest rates are projected using a two-factor model calibrated to actual market data;Total other operating results/Interest payable on core structural borrowings Corporate expenditure:Group Head Office WThe charge of 313 million for short-term fluctuations of other operations arises from:Sale of investment in India mutual fund in May 2008 giving rise to a transfer to operating profit of 47m for the crystallised gain, and value reduction in the period, prior to sale, of 24mYUnrealised value movements on swaps held centrally to manage Group assets and liabilities9Unrealised value movements on a centrally held investment3Operating profit from Prudential Capital (note 19c)19cuTax (credit) charge on shareholders' share of actuarial and other gains and losses on defined benefit pension schemes- after adoption of IFRIC 14*The impact of the adoption is shown below.Effect of adoptionEffect of adoption Adjustment for post-tax effect of shareholders' share of actuarial and other gains and losses on defined benefit pension schemes:5-91011-1213-1415-1617181920-21222324-2526272829303132333435-36373839404142434445-47484950515253545556575859606162636465-66In general, as described in schedule 2, the use of point of sale or end of period economic assumptions is not significant in determining the new business contribution for different types of business and across financial reporting periods. However, to obtain proper measurement of the new business contribution for business which is interest rate sensitive, it is appropriate to use point of sale economic assumptions, consistent with how the business was priced. In practice, the only area within the Group where this has a material effect, particularly in light of the dislocation of markets in 2008, is for UK shareholder-backed annuity and lifetime mortgage business. The 2008 results for shareholder-backed annuity and lifetime mortgage business have been prepared on the basis of point of sale, rather than end of period economic assumptions which previously applied for EEV reporting. New business profits would have been 111 million lower if end of year economic assumptions had been applied. The reduction is reflected in non-operating profit. The 111 million primarily reflects the level of credit spread widening since the point of sale. For 2007, the effect of the use of point of sale market conditions would not have been material.-UK insurance operations (notes 4e, 4h and 4i)Before capital charge 2Capital charge (see notes 8a and 8d on schedule 8)Notes (continued)Mortality and morbidity1JExpense2J Persistency3 J(Effect of change in corporate tax rates4'Jb1 The favourable effect of 58 million relating to mortality and morbidity assumption changes mainly relates to Singapore of 34 million, Taiwan of 18 million and Hong Kong of 15 million, which reflect actual experience across most products, offset by a charge in Malaysia of (19) million which reflects negative morbidity experience on A&H products. @-2 The favourable overall net effect of 26 million for expense assumption changes in 2008 mainly relates to a reduction in investment management expenses. The credit of 51 million for 2007 mainly relates to Singapore (37 million) and Korea (21 million) both due to increases in investment margins.@3 The favourable effect of the change in persistency assumptions of 36 million in 2008 predominately arises in Singapore of 90 million, Hong Kong of 28 million and Malaysia of 21 million which reflect altered lapse rates, arising from recent experience, offset by charges in Taiwan of (45) million and Korea of (44) million mainly relating to premium holidays. The charge of (51) million for the effect of changes in persistency assumptions in 2007 mainly arise in Singapore ((29) million) as a result of changes in a number of product related features and updated maturity assumptions in Taiwan ((15) million) from an increase in lapse rates, reflecting recent experience.@4 The effect of change in corporate tax rates represents the effect of incorporating the benefit arising from the reduction in the corporate tax rate in Indonesia for 2008 and in China, Malaysia and Singapore for 2007.@UOperating profit from continuing operations (based on longer-term investment returns)Long-term business:ZProfit (loss) from continuing operations before tax (including actual investment returns) @Tax (charge) credit attributable to shareholders' profit (loss):eTax on shareholders' share of actuarial and other gains and losses on defined benefit pension schemesProfit (loss) for the year/Net increase (decrease) in shareholders' equity<EEV basis shareholders' equity at 31 December 2008 (note 9c)For the purposes of the table above, goodwill related to Asia long-term operations (as shown on schedule 8) is included in Other operations.DThe movements arising from new business contribution are as follows:԰Ƶ has based required capital on its internal targets for economic capital subject to it being at least the local statutory minimum requirements, as described in schedule 2.WThe increase in UKIO credit provisions reflects the allowances explained in schedule 2.2008 mworthSubtotalNOperating profit based on longer-term investment returns, net of attributable ,restructuring costs and development expensesUS Profit before tax_The difference between the fees and other income shown above in respect of the asset management operation and the revenue figure for M&G shown in the main table primarily relates to income and investment gains (losses) earned by Prudential Capital and by investment funds controlled by the asset management operation which are consolidated under IFRS.LShort-term fluctuations in investment returns on shareholder-backed business(Loss) profit before tax Loss (profit) after tax#Profit from discontinued operationsLess Minority interestsOther movements in reserves As previously publishedROn profit for the year after tax and minority interests for continuing operations Based on profit for the year 1.2a1.2b1.2c MethodologyOverview)The embedded value is the present value of the shareholders' interest in the earnings distributable from assets allocated to covered business after sufficient allowance has been made for the aggregate risks in that business. The shareholders' interest in the Group's long-term business comprises:- present value of future shareholder cash flows from in-force covered business (value of in-force business), less a deduction for the cost of locked-in (encumbered) capital;%- locked-in (encumbered) capital; and>Core structural borrowings of shareholder-financed operations:>Perpetual subordinated capital securities (Innovative Tier 1*)" Variable annuity equity and bond returns have been stocha< stically generated using a log-normal model with parameters determined by reference to historical data. The volatility of equity fund returns for both 2008 and 2007 ranges from 18.6 per cent to 28.1 per cent depending on risk class, and the standard deviation of bond returns ranges from 1.5 per cent to 1.6 per cent (2007: 1.4 per cent to 1.7 per cent).0UK insurance operations (notes 6d(iii) and (iv))annuity=Perpetual subordinated capital securities (Innovative Tier 1) Schedule 10.1UK insurance operations4#gThese reserves represent additional prudent reserves recognised for local regulatory purposes and comprise reductions in free surplus of (45) million in respect of the Interest Maintenance Reserve (IMR) and (359) million relating to certain statutory reserves for variable annuity business. The value of in-force business reflects an increase of 38 million in respect of the IMR and 315 million in respect of the reallocation of other statutory reserves. The IMR is a statutory liability in respect of realised gains on the sale of bonds which, on a regulatory basis, are amortised to income over time, in line with the duration of the bonds sold. The statutory reserves are in respect of guarantees on variable annuity products in excess of the surrender value. Previously for EEV basis reporting, the IMR and these certain statutory variable annuity reserves were immediately released from the value of in-force business and treated as elements of free surplus. Their reallocation to the value of in-force business reflects the reinstatement of these amounts as explicit liabilities, consistent with the regulatory basis.SJackson impairment losses in excess of longer term expected returns net of defaultsBalance at 1 January 2008Balance at 31 December 2008 Schedule 10.2rExpected period of conversion of future post tax distributable earnings and required capital flows to free surplusAfter taking account of EEV shareholders' funds at 31 December 2008 of the business and restructuring and other costs the Group's EEV shareholders' equity is expected to increase by approximately 90 million.In the event that longer-term default levels are higher then, unlike for UK annuity business where policyholder benefits are not changeable, Jackson has some discretion to adjust crediting rates, subject to contract guarantee levels and general market competition considerations.<Asian operations - analysis of operating profit by territoryInsurance operationsIndia Prudential Services Asia>Analysis of operating profit between new and in-force businessNew business strainThe loss represents the aggregate of the pre-tax regulatory basis strain to net worth and IFRS adjustments for deferral of acquisition costs and deferred income where appropriate.(Loss) profit for the periodOther movements in reserves Profit before taxProfit after tax Minority interests)Profit after tax and minority interests'Basic earnings per share (schedule 1.2)Continuing operations(c)With-profits (note (a))%Shareholder-backed annuity (note (b))%Expected return on existing business UChanges in non-operating assumptions and experience variances and minority interests 6.3 to 10.25The short-term fluctuations in investment returns for UK insurance operations for 2008 arise on the following types of business: Unit-linked and other (note (c))^Shareholders' share of actuarial and other gains and losses on defined benefit pension schemes*(Increase) decrease in risk discount rates Other changes Group totalInvestment propertiesEquity securitiesWJackson (net of surplus note borrowings of 154 million (2007 : 147 million) (note 8f)For 2008 and 2007, cash rates rather than government bond yields were used in setting the risk discount rates for Malaysia, Singapore, Taiwan and for Hong Kong dollar denominated business.=Long-term insurance operations - analysis of operating profitHAnalysis of movement in policyholder liabilities and unallocated surplus6Effect of change in UK corporate tax rate (note 5d(i)) business With-profits and otherThe average number of shares for 2008 was 2,472 million. The average number of shares reflects the average number in issue adjusted for shares held by employee trusts and consolidated unit trusts and OEICs which are treated as cancelled.YTD+/- (%)UK insurance operations Comparative resultsLess: Projected asset management result in respect of covered business incorporated in opening EEV value of in-force business *"Decrease by 0.2% from 5.9% to 5.7%&Asian operations (notes 4a, 4f and 4g)New business contributions for all business represent profits determined by applying non-economic assumptions as at the end of the year.4iThe profit and loss accounts of foreign subsidiaries are translated at average exchange rates for the year. Assets and liabilities of foreign subsidiaries are translated at closing exchange rates. Foreign currency borrowings that have been used to provide a hedge against Group equity investments in overseas subsidiaries are also translated at closing exchange rates. The impact of these currency translations is recorded as a component of the movement in shareholders' equity.The 'as published' shareholders' funds for 2008 and 'memorandum' shareholders' funds for 2007 have been calculated by applying closing year end 2008 exchange rates.- Sub-Total DWP RebatesCorporate PensionsTotal UK Insurance OperationsFixed AnnuitiesFixed Index AnnuitiesVariable AnnuitiesSub-Total RetailGuaranteed Investment ContractsGIC - Medium Term NoteTotal US Insurance Operations Total Asian Insurance OperationsINVESTMENT OPERATIONSMarket &NetOpeningCurrencyMovementClosingFUM Gross Inflows Redemptions Net Inflows MovementsIn FUMRetail Total M&GTotal Asian Equity/Bond/OtherMMFTotal Asian MMFTotal Asia Retail Mutual Funds"Third Party Institutional Mandates!Total Asian Investment OperationsTotal Investment ProductsTotal Asia Equity/Bond/Other"Investment return and other income7Charges for share-based payments for Prudential schemesThe assumptions shown are for US dollar denominated business which comprises the largest proportion of the in-force Hong Kong business. Tax on operating profit Notes:The stochastic cost of guarantees is primarily only of significance for the Hong Kong, Malaysia, Singapore and Taiwan operations.-Changes in operating assumptions (note 5b(i))wAdjustment for post-tax effect of shareholders' share of actuarial gains and losses on defined benefit pension schemes: IndonesiaSIn accordance with the EEV Principles, core borrowings are carried at market value.Additional EEV deficit (relating to shareholders' 10 per cent share of the IFRS basis deficit attributable to the PAC with-profits fund) ,2008 As published $Basic earnings per share (note 1.1a)m(pence)rAdjustment for post-tax effect of changes in economic assumptions and time value of cost of options and guaranteesNotes1.1a1.1b Schedule 1.2-Asian operationsFY 2007:Expected tax rates for profit attributable to shareholdersUnallocated corporate As reported (schedule 4)Discount rates - 1% increase Interest rates - 1% increase Interest rates - 1% decrease Equity/property yields - 1% rise(Equity/property market values - 10% fallStatutory minimum capital 1% increase 1% decreaseEstablished marketsInflation-linked annuitiesFixed annuitiesCash costs for PSPSDUnwind of discount on opening provision for deficit funding for PSPSDPRUDENTIAL PLC - NEW BUSINESS - QUARTER 4 2008 VERSUS QUARTER 4 2007Annual EquivalentsQ4 2008Corporate Pensions (14)3US Insurance Operations (1b)(8)2Asia Retail Mutual Funds (15)219a Free surplusRequired capitalCost of capital Cost of time value of guarantees9a9b9cValue ofFreeRequired:Embedded value of long-term operations at 31 December 2008The tables below show t< he sensitivity of the embedded value as at 31 December 2008 (31 December 2007) and the new business contribution after the effect of encumbered capital for 2008 and 2007 to:81% increase in the starting bond rates41% decrease in the starting bond ratesOther transfers from net worthOther adjustmentscross reference1Mark to market value movements on core borrowingsOther adjustments %Total long-term business (schedule 4),2007 As published )Equity/property market values - 10% fall RCore borrowings of the Group are marked to market value under EEV. As the liabilities are generally held to maturity or for the long-term, no deferred tax asset or liability has been established on the difference (compared to IFRS) in carrying value. Accordingly, no deferred tax charge is recorded in the results against the 2008 credit. 31 Dec 20082008(as per note 9d on schedule 9)Deterministic assumptions(iii)"Total other income and expenditure (continued)Curian Capital#External Funds Under AdministrationThe comparative results for 2007 of 67 million reflect the effects of the change to reduce the UK corporate tax rate from 30 per cent to 28 per cent in projecting the tax cash flows attaching to in-force business.[The overall impact of the assumption changes and release of margins for 2007 is as follows:For 2007, the expense over-runs arising from the tariff arrangement in respect of SAIF of 14 million were borne by a service company. The arrangement was in place until the end of 2007 and was onerous to shareholders.H(b) Effect on the EEV earnings per share on the 2007 comparative figuresQIntra group dividends (including statutory transfer) and investment in operationsValue of in-force business of long-term4Intra group dividends (including statutory transfer)100 per cent PMA92 with CMIR17 improvements to the valuation date and medium cohort improvements subject to a floor of 1.75 per cent up to the age of 90, decreasing linearly to zero by the age of 120.100 per cent PFA92 with CMIR17 improvements to the valuation date and 75 per cent medium cohort improvements subject to a floor of 1.0 per cent up to the age of 90, decreasing linearly to zero by the age of 120.S" The risk premium on equity assets is assumed to follow a log-normal distribution;Government bond yield BASIS OF PREPARATION"Asian asset management operations %US broker-dealer and asset managementRelease of marginsMortality strengtheningAnnuity business (note 5d(ii)):Total tax (charge) creditVOther transfers (from) to long-term business operations to other operations represent:- as previously published Representing:UProfit on ordinary activities after tax and minority interests for long-term businessOther transfers from net worth )Shareholders' equity at 31 December 2008 New business capital usageAnnual Premium Equivalent (Schedule 4) Capital usage Per 100mAPEOther movements 'Group Summary - Q4 2008 v Q4 2007 (APE)'Group Summary - Q4 2008 v Q3 2008 (APE))Group Summary - Q4 2008 v Q4 2007 (PVNBP))Group Summary - Q4 2008 v Q3 2008 (PVNBP)qThe minority interest share of after tax operating profit mainly relates to Asian operations, principally Taiwan.The minority interest share of after tax operating profit mainly relates to Asian operations, principally Taiwan and, until the change of management arrangements on 29 September 2007, the Group's life operations in China.The EEV results for the Group are prepared for 'covered business' as defined by the EEV Principles. Covered business represents the Group's long-term insurance business for which the value of new and in-force contracts is attributable to shareholders. The EEV basis results for the Group's covered business are then combined with the IFRS basis results of the Group s other operations. $SAIF is a ring-fenced sub-fund of the Prudential Assurance Company (PAC) long-term fund, established by a Court approved Scheme of Arrangement in October 1997. SAIF is closed to new business and the assets and liabilities of the fund are wholly attributable to the policyholders of the fund. Expected returns on equity and property asset classes in respect of each territory are derived by adding a risk premium, also based on the long-term view of Prudential s economists, to the risk-free rate. In Asia, equity risk premiums range from 3.0 per cent to 7.0 per cent (2007: 3.0 per cent to 6.0 per cent). In the US and the UK, the equity risk premium is 4.0 per cent above risk-free rates for both 2008 and 2007.}For 2008 the projections assume that in the average scenario, the current bond yields at 31 December 2008 of 1.4 per cent trend towards 5.5 per cent at 31 December 2018. This compares to the 2007 results for which the projections assume that in the average scenario, the current bond yields at 31 December 2007 of around 2.5 per cent trend towards 5.5 per cent at 31 December 2013.Risk discount rate (note (i)):The 2007 comparative result has been increased by 10 million for the adjustment in respect of China (as explained in note 4g on schedule 4) and reduced by (4) million for the discontinuance of the allocation of notional return on centrally held economic capital in respect of Taiwan from shareholders' other income to the result for Asian operations. Other income is increased by an equivalent amount. Total profits are unaffected by these adjustments.OThe effect of changes in operating assumptions for US operations is as follows:Total7KSurplus note borrowings6KRequired Capital5K$Variable Annuity Statutory Reserves4#K#Interest Maintenance Reserve (IMR)3"KVariable Annuity (VA) fees2K Mortality1 K1 The effect of changes in mortality assumptions reflect lower mortality rates for life products consistent with recent experience.2 The effect of change in assumption in respect of VA fees represents an overall increase in the level of projected advisory fees for variable annuity business.=4 The statutory reserves are primarily in respect of guarantees on variable annuity products in excess of the surrender value. The impact of including these amounts as explicit liabilities, consistent with the regulatory basis, after the effects of discounting, results in a charge to embedded value of (68) million.5 The adjustment in respect of required capital represents a current year refinement to reduce the required capital to align the amount with the required level which has been set as an amount at least equal to 235 per cent of the risk-based capital required by National Association of Insurance Commissioners at the Company Action Level, which is sufficient to meet the economic capital requirement. The decrease results in an associated benefit from a reduction in the cost of capital of 17 million.* These debt classifications are consistent with the treatment of capital for regulatory purposes, as defined in the FSA handbook.*** Including central finance subsidiaries.hLess: Holding company** cash and short-term investments (recorded within the consolidated balance sheet).Deferral and amortisation of acquisition costs< Under IFRS, the basis of accounting for insurance assets and liabilities reflects  grandfathered GAAP under the Modified Statutory Basis. In general, this requires the deferral and amortisation of acquisition costs in line with the emergence of margins. In 2008, the basis of deferral and amortisation has been adjusted for a number of territories to better reflect the MSB requirement as follows:For Singapore, refinements have been made with a 21 million benefit (of which 7 million relates to the 1 January 2008 position) where the local risk based capital approach does not provide an appropriate basis of implicit allowance for acquisition costs for certain products.RIn Hong Kong, adjustments have been made with a net overall effect of 10 million.rThe result for insurance operations comprises amounts in respect of new business and business in-force as follows:(c) 56 bps for fixed annuities and 48 bps for inflation-linked annuities in respect of additional short-term credit risk, reflecting the extreme market conditions at 31 December 2008; this is derived as 25 per cent of the increase in credit spreads over swaps that has occurred since 31 December 2006 based on a set of externally published indices weighted to reflect the asset mix. For each projection year, standard deviations have been calculated by taking the square root of the annualised variance of the returns over all the simulations. These have been averaged over all durations in the projection. For equity and property, the standard deviations relate to the total return on these assets. The standard deviations applied to both 2008 and 2007 are as follows:H- shareholders' net worth in excess of encumbered capital (free surplus)k7 The adjustments in respect of the IMR, variable annuity reserves, surplus note borrowing and required capital detailed in (iii) to (vi) above also resulted in a post-tax net reallocation from free surplus and required capital of (110) million and (137) million respectively to the value of in-force of 207 million, as detailed in note 10.1f on schedule 10.1.3 The IMR is a statutory liability in respect of realised gains on the sale of bonds which, on a regulatory basis, are amortised to income over time in line with the duration of the bonds sold. The 2008 results reflect this reserve as an explicit liability, consistent with the regulatory basis which, after the effects of discounting results in a charge to embedded value of (10) million. 6 The surplus note borrowings have been reflected as contributing to the capital in the net worth but with the obligation deducted from the value of in-force business, with an overall net nil effect on the embedded value.Other items for UK insurance operations in 2008 are in aggregate a credit of 195 million. Consistent with the methodology applied in previous years, this amount includes a credit of 118 million resulting from part of the effect of rebalancing the asset portfolio backing annuity business on the valuation interest rate for determining Pillar I liabilities. The rebalancing reflects changes to the portfolio to more closely align the credit quality with management benchmark. The 118 million effect of rebalancing included in operating profit reflects longer-term levels of credit spread evident as at 31 December 2006 i.e. prior to the exceptional credit spread widening in 2007 and 2008. The additional increase in the Pillar I valuation interest rate due to rebalancing at the credit spreads at which assets were traded in 2008 is reflected within non-operating profit together with, via the increase in discount rate, the additional allowance for credit risk for the portfolio as a whole as described in note 6d on schedule 6. For Singapore and Hong Kong, the short-term fluctuation in investment returns primarily reflects the effect of substantial equity market falls on unit-linked and with-profits business. For unit-linked business, the short-term fluctuation in investment returns reflects the reduction in the value of the asset base and the consequent effect on the projection of future management fees. For with-profits business, the short-term fluctuation in investment returns reflects the difference between the shareholders 10 per cent interest in the value movements on the assets and the unwind of discount on the opening shareholders interest in the surplus. The short-term fluctuations in investment returns for Taiwan principally reflect the equity market fall and a (40) million value reduction for an investment in a CDO fund. Short-term fluctuations in investment returns on shareholder-backed annuity business represents the unrealised loss on surplus assets and default experience. For 2007, the short-term fluctuations in investment returns for UK insurance operations of (42) million primarily reflects value movements on the bond holdings of PRIL's shareholders' funds due to the net effect of widened credit spreads and reduced interest rates together with the difference between the actual investment returns for the with-profits life fund of 7.2 per cent and the gross long-term assumed rate of 7.85 per cent.XUnrealised value movements, net of hedge effects, on Prudential Capital s bond portfolio;Basis of preparation, methodology and economic assumptions ^EEV basis results - Earnings per share, return on embedded value and net asset value per shareIn determining the cost of capital for Jackson, it has been assumed that an amount at least equal to 235 per cent of the risk-based capital required by the National Association of Insurance Commissioners (NAIC) at the Company Action Level must be retained. The related capital charge reflects the assumptions discussed in schedule 2, together with the adjustments to required capital described in note 5c(ii) on schedule 5.Adjustments in respect of certain statutory reserves, required capital and surplus note borrowingsEffect of establishment and increase in allowance for short-term credit risk under the statutory (Pillar I) reporting*Adjustments in respect of certain statutory reserves, required capital and surplus note borrowings (note 10.1f)Effect of establishment and increase in allowance for short-term credit risk under statutory (Pillar I) reporting*S experience variance and other operating itemsp - unwind of discount, effects of changes in operating assumptions, operatingRIf it had been assumed in preparing the 2008 results for Taiwan that interest rates remained at the current level of around 1.4 per cent until 31 December 2009 and the progression period in bond yields was delayed by a year so as to end on 31 December 2019, the< re would have been a reduction in the Taiwan embedded value of (74) million.=Schedule cross referenceIFRS basis results - Supplementary analysis of (loss) profit from continuing operations before tax attributable to shareholdersP(Loss) profit from continuing operations before tax attributable to shareholders9Expected tax credit (charge) based on expected tax rates:Actual tax credit (charge): (c) For UK insurance operations, prior year adjustments arising from the routine revisions of tax returns, the settlement of outstanding issues with HM Revenue & Customs at an amount below that previously provided and the different tax bases of UK life business; andCharges (note 19a)Included within revenue for M&G are realised and unrealised net losses of 673 million in respect of consolidated investment funds and Prudential Capital. The investment funds are managed on behalf of third parties and are consolidated under IFRS in recognition of the control arrangements for the funds. The investment losses in respect of the investment funds are non-recourse to M&G and the Group and are added back through charges and consequently there is no impact on the profit before tax. Excluding the anomaly in respect of the consolidated investment funds the revenue for M&G would be 494 million and the charges, 413 million.'Investment by parent company (note 26b)3Shareholders' equity at 31 December 2008 (note 26a)It has been assumed that operating assumption changes should be included within insurance margin unless another category is more suitable. In 2008 the only item included outside of insurance margin was the operating assumption changes for shareholder annuity business in the UK which was principally driven by changes to the credit default reserving methodology and hence was included in investment spread. No such allocations were made in 2007."Schedule 36 - Actual Exchange Rate&Schedule 35 - Constant Exchange Rates bIFRS basis results - Earnings per share, return on shareholder value and net asset value per sharetA charge is deducted from the annual result and embedded value for the cost of capital supporting the Group's long-term business operations. This capital is referred to as encumbered capital. The cost is the difference between the nominal value of the capital and the discounted value of the projected releases of this capital allowing for investment earnings (net of tax) on the capital. Where encumbered capital is held within a with-profits sub-fund, the value placed on surplus assets in the fund is already discounted to reflect its release over time and no further adjustment is necessary in respect of encumbered capital."(d) For Other operations, the settlement of issues with HMRC at amounts below those previously provided and a reduction in amounts previously provided on outstanding issues with HMRC which has been partially offset by the inabiliity to recognise a deferred tax asset on various tax losses.The estimated loss on transfer after allowing for restructuring costs is 595 million. However, on completion there will be a net increase in the Company's Insurance Group's Directive surplus of approximately 800 million.DThe underlying movement in free surplus includes 85 million for the effect of rebalancing the asset portfolio for UK annuity business as described in note 5d on schedule 5. The effect of changes in economic assumptions on free surplus includes a credit of 166 million in respect of rebalancing as described in schedule 6.Date: 19 March 2009"In projecting forward the Fund Earned Rate, allowance is made for the mix of assets in the fund, future investment strategy, and further market value depreciation of bonds held as a result of assumed future yield increases. These factors, together with the assumption of the phased progression in bond yields, give rise to an average assumed Fund Earned Rate that changes from 6.6 per cent for 2008 to 6.7 per cent for 2019. The assumed Fund Earned Rate falls to 3.35 per cent in 2009 and subsequently to 1.2 per cent in 2010, then increases to 5.15 per cent by 2018. Thereafter, the assumed Fund Earned Rate fluctuates around a target of 6.7 per cent. This projection compares with that applied for the 2007 results of a grading from an assumed rate of 0.5 per cent for 2007 to 6.4 per cent for 2014.The projected cash flows incorporate the expected long-term spread between the earned rate and rate credited to policyholders. The projected earned rates reflect book value yields which are adjusted over time to reflect projected reinvestment rates. The expected spread incorporates a Risk Margin Reserve (RMR) allowance of 25 basis points for longer-term defaults as described in note 4.The book value yields, net of RMR allowance, are in excess of the risk discount rate. To correct for the anomalous effect that would otherwise occur, no credit has been taken for the cost of capital benefit that this feature would give rise to for fixed annuity business.The risk discount rates for new business and business in force for UK insurance operations other than shareholder-backed annuities reflect weighted rates based on the type of business.The pre-tax rates of return for shareholder-backed annuity business are based on the gross redemption yield on the backing assets net of a best estimate allowance for future defaults.lAs regards the Group s defined benefit pension schemes, the liabilities attaching to the Prudential Staff Pension Scheme (PSPS) and Scottish Amicable Pension Scheme are excluded from the EEV value of UK operations and included in the total for Other operations. The amounts are partially attributable to the PAC with-profits fund and shareholder-backed long-term business and partially to other parts of the Group. In addition to the amounts recognised as attributable to shareholders under IFRS basis, a 10 per cent share of the amount attributable to the PAC with-profits fund is recognised for EEV reporting purposes.The value of future new business is excluded from the embedded value. In determining the embedded value or the profit before tax no smoothing of market account balance values, unrealised gains or investment returns is applied. Separately, the analysis of profit is delineated between operating profit based on longer-term investment returns and other constituent items as described in note 4..The risk discount rate for new business profits reflects the assets allocated to back new business and an allowance for credit risk based on point of sale market conditions, consistent with how the business was priced. The allowance for credit risk at the point of sale is determined using the same methodology for in-force business. In both cases, the allowance for credit risk included in setting the discount rate reflects the three constituent elements of long-term expected defaults, long-term credit risk premiums and additional short-term credit risk.The assumed long-term rate for corporate bonds for 2007 for with-profits business was determined after taking account of the purchase of credit default swaps. Previously, for the purpose of presentation of the Group s operating results, the return on capital held centrally to back the economic capital requirements for the Taiwan life business has been allocated < to the operating result for Asian operations with a consequent reduction in Group shareholders other income for EEV basis reporting. In the 2008 results this approach has no longer been applied. The presentation of the 2007 comparative results has been adjusted accordingly, as explained in note 5b(ii) on schedule 5.On a weighted basis for fixed annuities and inflation-linked annuities the allowance is 15 bps for long-term expected defaults, 11 bps for long-term credit risk premium, and 54 bps for short-term credit risk.OPrevious basis (before adoption of IFRIC 14 for accounting for pension schemes)ZEffect of adoption of IFRIC 14 for accounting for pension schemes (notes 24c, 24d and 24e)=After adoption of IFRIC 14 for accounting for pension schemesHSensitivity of the underlying penson scheme liabilities to key variables!UK insurance operations (note 4e)kIFRS basis results - Retirement benefits - summary of financial position of defined benefit pension schemesFor 2007, the short-term fluctuations in investment returns for Asian operations of 226 million arose mainly from favourable equity investment performance in most territories, principally in Hong Kong of 102 million, Vietnam of 66 million and Singapore of 38 million offset by a negative fluctuation in Taiwan of (26) million principally due to a (30) million value reduction for an investment in a CDO fund.'Increase (decrease) in portfolio yieldsIActual tax rate: operating profit based on longer-term investment returnsThe Pillar I allowance of 80 bps per annum is financially equivalent to 185 bps for the years 2009 to 2011 and 45 bps thereafter for the life of the book.?Intended sale of legacy agency book and agency force in Taiwan (iii) Other itemsFor shareholder-backed annuity business (i.e. held in PRIL and the PAC non-profit sub-fund) the impact of the change in risk discount rates of (394) million includes (400) million in respect of strengthening credit risk assumptions (excluding the strengthening required in respect of the 2.8 billion rebalancing the asset portfolios). The impact of the change in portfolio yields of 83 million includes a profit of 231 million in respect of the rebalancing, calculated by reference to changes in credit spreads since 31 December 2006.(10) All premiums for China are shown at 50 per cent shown on a like for like basis, reflecting the constant economic interest before and after management changes made at the end of Q3 2007 in line with the original agreement with CITIC. (11) Mandatory Provident Fund (MPF) product sales in Hong Kong are included at Prudential's 36 per cent interest in Hong Kong MPF operation. (12) Sales for PruHealth are included in the UK Sales schedule. Prior quarters for 2008 and 2007 have been restated. The APE and PVNBP sales by quarter (rounded) are as follows:APE mPVNBP mQ1Q2Q3Q4(13) Income Drawdown has been reallocated from Individual Annuities product line. The APE and PVNBP sales by quarter (rounded) are as follows:(14) UK Fourth Quarter Mature Life and Pensions Corporate Pension sales include a 15m (2m APE) Single Premium product reallocation to Individual Pensions. (15) Incorporated into the Opening FUM for Q4 is 191m related to inflows in Q3 in respect of the India Provident Fund. In Q4 this product has been reclassified out of Retail Mutual Funds. Therefore the Q4 Gross Inflows and Closing FUM reflect this reduction of 191m." 10 per cent proportionate decrease in maintenance expenses (a 10 per cent sensitivity on a base expense assumption of 10 per annum would represent an expense assumption of 9 per annum)f" 5 per cent proportionate decrease in base mortality and morbidity rates (i.e. increased longevity).7Total long-term business operations Surplus Surplus SOther investment movements and effect of changes in economic assumptions represent:Other items represent:For with-profits and other business the decrease in fund earned rates and risk discount rates primarily reflects the reduction in gilt rates of (0.85) per cent.KNet core structural borrowings of shareholder-financed operations comprise: Schedule 9 Schedule Jackson InsuranceAsianGroupLifeCurian Gross investment product inflowsReturn on embedded value2,191m1,821m"Opening equity shareholders' funds14,600m11,803mNet asset value per share"Closing equity shareholders' funds14,956m599p591pReturn on shareholder value1,051m816m6,062m5,424m5,058m203p245pKBond spread over swap rates reflect market observed data to credit spreads.Long-term expected defaults; this is derived by applying Moody s data from 1970 to 2004 uplifted by between 100 per cent (B) and 200 per cent (AAA) according to credit rating on the annuity asset portfolio. The credit rating assigned to each asset held is based on external credit rating and for this purpose the credit rating assigned to each asset held is the lowest credit rating published by Moody s, Standard and Poors and Fitch.For with-profits business, the embedded value reflects the discounted value of future shareholder transfers. These transfers are directly affected by the level of projected rates of return on investments, including debt securities. Given the current exceptional fixed interest market conditions, and the Company's expectation that the widening of credit spreads observed in 2008 will not be maintained, the Company considers that it is most appropriate to assume an unchanged level of credit spreads, an unchanged level of longer-term default allowance and an unchanged risk discount rate methodology relative to those used at 31 December 2007.The overall allowance for credit risk is prudent by comparison with historic rates of default and would be sufficient to withstand a wide range of extreme credit events over the expected lifetime of the annuity business. All pension schemes*Mark to market value adjustment 2007BTotal income and expense for the year attributable to shareholders DividendsNew share capital subscribed At beginning of period:*Shareholders' equity at end of the period Under the terms of the Trust Deed, the Group has no unconditional right of refund to any surplus in PSPS. Also, the Group has no ability under the guidance in IFRIC 14 to anticipate a reduction in the level of future contributions for ongoing services from those currently being paid. In addition, the Group currently has a five-year deficit funding arrangement in place as agreed with the Trustees of the PSPS following the last triennial valuation of PSPS as at 5 April 2005.`(c) Effect on the Group's supplementary analysis of profits and movement in shareholders' equityPrevious basis Revised basisAs previously published After change0on defined benefit pension schemes (schedule 24)With the exception of debt securities held by Jackson, investment gains and losses during the period (to the extent that changes in capital values do not directly match changes in liabilities) are inclu< ded directly in the profit for the period and shareholders funds as they arise.YThe results for any covered business conceptually reflects the aggregate of the IFRS results and the movements on the additional shareholders interest recognised on the EEV basis. Thus the start point for the calculation of the EEV results for Jackson, as for other businesses, reflects the market value movements recognised on the IFRS basis. (ii) Annuity businessFor countries where long-term fixed interest markets are less established, investment return assumptions and risk discount rates are based on an assessment of longer-term economic conditions. Except for the countries listed above, this basis is appropriate for the Group s Asian operations. Similarly, the projected returns on holdings of Asian securities in these territories by other Group businesses are set on the same basis.(Risk discount rate (notes (i) and (iv)):Credit spread treatmentExpected tax rate (note 18a):19b Schedule 2020aThe following analysis show the movement in embedded value arising from the Group's underlying business activity and the effects of the current extraordinary market conditions.On 20 February 2009, the Company announced that it had agreed to transfer the agency business of the Taiwan Life business to China Life. Further details are given in schedule 14.The effect of changes in economic assumptions in Asia for 2008 of a charge of (34) million includes a negative effect in Taiwan of (185) million reflecting a charge of (239) million for the impact of extending the phased bond yield progression period in Taiwan out by five years from 31 December 2013 to 31 December 2018, as described in schedule 2, offset by the impact in other territories, mainly reflecting the reduction in risk discount rates.Other transfers to net worth The charge of 40 million to total EEV represents the cost of capital relating to the reallocation of certain items from net worth to the value of in-force business for US and UK operations. These adjustments related to the following items:iIFRS basis results - operating profit (loss) based on longer-term investment returns for Asian operations0IFRS basis results - Asset management operations0IFRS basis results - Shareholders' funds summaryNEEV basis results - Basis of preparation, methodology and economic assumptionsZEEV basis results - Basis of preparation, methodology and economic assumptions (continued)3EEV basis results - New business profit and margins?EEV basis results - New business profit and margins (continued);EEV basis results - Operating profit from business in forceGEEV basis results - Operating profit from business in force (continued)8EEV basis results - Items excluded from operating profitnEEV basis results - Tax (credit) charge attributable to shareholders' (loss) profit from continuing operations/EEV basis results - Shareholders' funds summaryEEEV basis results - Reconciliation of movement in shareholders' fundscEEV basis results - Reconciliation of net worth and value of in-force business for 2008 (continued)SEEV basis results - Expected transfer of value of in-force business to free surplus11. Sensitivity to changes in economic assumptionsEEEV basis results - Sensitivity of results to alternative assumptionsQEEV basis results - Sensitivity of results to alternative assumptions (continued)NEEV basis results - Adoption of the principles of IFRIC 14 for pension schemestEEV basis results - Intended sale of legacy agency book and agency force in Taiwan to China Life Insurance of TaiwanzIFRS basis results - Reconciliation of tax charge on (loss) profits attributable to shareholders for continuing operationsIFRS basis results - Reconciliation of tax charge on (loss) profits attributable to shareholders for continuing operations (continued)HIFRS basis results - Summary movement on Group IFRS shareholders' equityVEEV basis results - Operating profit based on longer-term investment returns (note 3a)UK general insurance commissionThe effect of changes in time value of cost of options and guarantees of a charge of (50) million primarily relates to with-profits business reflecting the effect of the reduction in fund earned rates as described in note 6d(iii)(b) above.The overall pension scheme deficit, net of tax, attributable to shareholders relating to the Prudential Staff Pension and Scottish Amicable Pension schemes is determined as shown below:However, in determining the movements on the additional shareholders interest, the basis for calculating the Jackson EEV result acknowledges that for debt securities backing liabilities the aggregate EEV results reflect the fact that the value of in-force business instead incorporates the discounted value of future spread earnings. This value is not affected generally by short-term market movements on securities that are broadly speaking held with the intent and ability to be retained for the longer term. Fixed income securities backing the free surplus and required capital for Jackson are accounted for at fair value. However, consistent with the treatment applied under IFRS for securities classified as available-for-sale, movements in unrealised appreciation on these securities are accounted for in equity rather than in the income statement, as shown in the Reconciliation of movement in shareholders' funds (schedule 9).#Reconciliation of movement for 2008Summary by business unitSummary SummaryAnalysis by business areaRates of exchange"Results at constant exchange rates'New business at constant exchange rates.Group analysis of underlying business activityBEEV basis results - Group analysis of underlying business activityqThe charge of (81) million for 2007 includes (13) million in respect of annual licence fee payments, (36) million of costs associated with product and distribution development, (14) million for expense over-runs in respect of a tariff agreement with SAIF and (19) million for other items which includes a credit of 1 million for a positive persistency experience.The 2007 comparative result has been reduced by 4 million in respect of the separate disclosure of UK general insurance commission. Total operating profit from UK insurance operations is unaffected by this adjustment.The 2007 comparatives for the tax charges for continuing operations shown above exclude discontinued banking operations, which were sold on 1 May 2007.PWith the exception of the share of pension scheme deficit attributable to the PAC with-profits fund, which is included in 'Other operations' net liabilities, and the borrowings as described in note 8f, the amounts shown for the items in the table above that are referenced to this note have been determined on<D the statutory IFRS basis. Exchange movements (schedule 9)0EEV basis holding company borrowings comprising:The expected long term rate is a function of expectation of inflation and real rates of interest, on which the Company has taken external expert advice. It is considered that the outlook for long-term interest rates in Asia will be strongly influenced by the trend in the projection of comparable US long-term real interest rates. Consequently, assessment of the expected rates for Taiwan has taken into account the structural factors of government borrowing, savings rates, short-term interest rates, government intervention and non-market influences that could affect Taiwanese real interest rates over the projection period. Together with a central inflation projection for Taiwan, the Company considers that the long term rate of 5.5 per cent is appropriate in the longer-term.The results for Jackson reflect the application of the low discount rates shown above. In the event that US 10-year treasury rates increase, the altered embedded value results would reflect a lower contribution from fixed annuity business and a partially offsetting increase for variable annuity business as the projected earned rate, as well as the discount rate, would increase for this type of business.%For UK annuity business, different dynamics apply both in terms of the nature of the business and the EEV methodology applied. For this type of business the assets are generally held to maturity to match long duration liabilities. It is therefore appropriate under EEV methodology to include a liquidity premium in the economic basis used. The appropriate EEV risk discount rate is set in order to equate the EEV with a "market consistent embedded value" including liquidity premium. The liquidity premium is derived from the yield on the assets held after deducting an appropriate allowance for credit risk. For Prudential Reitrement Income Limited (PRIL), which has approximately 90 per cent of UK shareholder-backed annuity business, the allowance for credit risk at 31 December 2008 is made up of: SM  #˞MG$ %o!j >Zf ) [ Z#M%l-)-7X W@RH=V_ \^`Aab*dLeg'jIkpnn r 1/*P* [5gA#ͺ U0=<PjM }WT4P9X |8}7M~ #q'7-3:+6U}6679 >F JAM{W Y 9\?_cdeiklmWp9tx Rz4 ~ c& I 70>$r2 ) Bccn PK![Content_Types].xmlN0EH-J@%ǎǢ|ș$زULTB l,3;rØJB+$G]7O٭VGR.e1a$n%N91G7Z(Lj$>{ҿQ>HjlIh촪b-{gv|g'=/:~E[7 r!7\&0;9$4 kas6r}SXiڽAa P=hU opc5(G>XkPwAЬ A)oVi5($9AWFYm3z脷`Ԭe DC]j9KXSGP@$I<^9B%'xGdA-Q WjQ'O"#CZ&bgHĔwAo@޾~Oo^ի7/ͭUYr(Yr|?ҩĿ_Ê Sw?]NLXxŰ@|/'1$P2׈p=l ,Y=#1(njNSs{r2q:sGj 镸T#l|HQ"'Xz;vcubL9l.ωCi 9:$1e"ls1ZH:O0x$]*'(\$k>5qC! 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