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MPF_FUM;<! MPF_FUM;I! MPF_FUM;V! MPF_FUM;c! MPF_FUM;p! MPF_FUM;}! MPF_FUM;! MPF_FUM;# Other_FUM;<# Other_FUM;I# Other_FUM;V# Other_FUM;c# Other_FUM;p# Other_FUM;}# Other_FUM;# Other_FUM;pz. Partnerships_regular;9. Partnerships_regular;F. Partnerships_regular;S. Partnerships_regular;`. Partnerships_regular;m. Partnerships_regular;z. Partnerships_regular;. Partnerships_regular;%- Partnerships_Single;9%- Partnerships_Single;F%- Partnerships_Single;S%- Partnerships_Single;`%- Partnerships_Single;m%- Partnerships_Single;z%- Partnerships_Single;%- Partnerships_Single;%PER1:*PER2:*% PPM_Funds_I; % PPM_Funds_R; ) PPM_Plan_Single; $ PPM_Single;   @;.   ;?   ; $  ;  ;3  ;?   ;0_   ;;  ;/  ;!  ;-Y  ;,!  ;+?   ;1%   ;2   ;D   ;2  ;O   ;#L   ;4   ;"N   ;/V   ;D   ;@n  ;Mn  ;Z{  ;gu  ;tu  ;D   ;REP1:*REP2:*# Retail_GI;ss, Retail_IFA_Regular;8, Retail_IFA_Regular;E, Retail_IFA_Regular;R, Retail_IFA_Regular;_, Retail_IFA_Regular;l, Retail_IFA_Regular;y, Retail_IFA_Regular;, Retail_IFA_Regular;+ Retail_IFA_Single;8!6+ Retail_IFA_Single;E!6+ Retail_IFA_Single;R!6+ Retail_IFA_Single;_!6+ Retail_IFA_Single;l!6+ Retail_IFA_Single;y!6+ Retail_IFA_Single;!6+ Retail_IFA_Single;!6( Retail_Plan_GI;- Retail_Plan_Regular;{, Retail_Plan_Single;( Retail_Regular;5( Retail_Regular;B( Retail_Regular;O( Retail_Regular;\( Retail_Regular;i( Retail_Regular;v( Retail_Regular;( Retail_Regular;' Retail_Single;5.' Retail_Single;B.' Retail_Single;O.' Retail_Single;\.' Retail_Single;i.' Retail_Single;v.' Retail_Single;.' Retail_Single;.) Retail_Weighted;C^0 RetailIFA_Plan_Regular;/ RetailIFA_Plan_Single;+ RetailIFA_Regular;&* RetailIFA_Single;)G, RetailIFA_Weighted;Ji  Sch1_2;4   Sch1_2;A   Sch1_2;N   Sch1_2;[   Sch1_2;h   Sch1_2;u   Sch1_2;   Sch1_2;$ % Sch1_2_head;4   Sch3;4 Sch3;A Sch3;N Sch3;[ Sch3;h Sch3;u Sch3; Sch3;(# Sch3_head;4  Sch4;4 Sch4;A Sch4;N Sch4;[ Sch4;h Sch4;u Sch4; Sch4;)# Sch4_head;4 $ Taiwan_FUM;<%/$ Taiwan_FUM;I%/$ Taiwan_FUM;V%/$ Taiwan_FUM;c%/$ Taiwan_FUM;p%/$ Taiwan_FUM;}%/$ Taiwan_FUM;%/$ Taiwan_FUM;%/& UKColInv_FUM;?& UKColInv_FUM;L& UKColInv_FUM;Y& UKColInv_FUM;f& UKColInv_FUM;s& UKColInv_FUM;& UKColInv_FUM;& UKColInv_FUM;$ UKScAm_FUM;=$ UKScAm_FUM;J$ UKScAm_FUM;W$ UKScAm_FUM;d$ UKScAm_FUM;q$ UKScAm_FUM;~$ UKScAm_FUM;$ UKScAm_FUM;`ibZ  3  @@   @[in force variable annuity business in future periods based on current period equity returnsBusiness in force-Short-term fluctuations in investment returns Tax chargeShareholders' fundsSummaryReconciliation of movementStatutory basis results US OperationsThe spread variance shown above has been determined after including longer-term returns on equity based investments. This treatment is consistent with the inclusion of longer-term investment returns within operating profits. Short-term fluctuations in investment returns, including those for equity based investments, are excluded from The charge for averaged realised losses shown above is as compared to the long-term default assumption for fixed income securities, which is presented as part of the determination of the spread variance. The charge for the default assumption is calculated using a weighted risk margin (RMR) approach. An RMR charge is individually The 34m charge for other items in 2004 includes 21m of costs associated with complying with new regulatory requirements and restructuring and 13m of negativeassigned to asset classes based on credit ratings and, where necessary, credit analysis. This is then weighted to the carrying value of the investments.long-term business operations. The cost is the difference between the nominal value of solvency capital and the present value, at risk discount rates,of solvency capital.*Achieved profits basis shareholder's funds9c9dJNet worth consists of statutory solvency capital and unencumbered capital.Value of in force business includes the value of future margins from current in force business less the cost of holding statutory solvency capital.:Components of achieved profits basis shareholders' funds :$Value of in force business (note 9d)Net worth (note 9c)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 by the National Association of Insurance Commissioners (NAIC) at the Company Action level must be retained. The impact of the related capital chargeOis to reduce Jackson National Life's shareholders' funds by 166m (2003 164m).The proportion of surplus allocated to shareholders from the UK with-profits business has been based on the present level of 10%. 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.UK long-term business smoothed shareholders' funds reflect an adjustment to PAC life fund assets, for the purposes of determining the unwind of discount included in operating profits, to remove the effects of short-term volatility in market values of assets. Shareholders funds in the balance sheet&are determined on an unsmoothed basis.If the economic assumptions applied for 2004 had been in place at 31 December 2003, the achieved profits basis shareholders funds at that date would Uand an adjustment for exchange effects to reflect rates at 31 December 2003 of (1)m.Operating result!Reconciliation from US to UK GAAPOtherFunds under managementAnalysis by business areaForeign currency translation Schedule 1 Post-tax and Minority minority EarningsPre-taxTaxPost-tax interests per sharem(pence)BBased on operating profit after tax and related minority interests6before amortisation of goodwill and exceptional items Amortisation of goodwillNotes 1a Schedule 2#(1) Basis of preparation of resultspThe key economic assumptions and sensitivity of the results to changes to those assumptions are described below.(2) Economic assumptions>Pre-tax expected long-term nominal rates of investment return: UK equitiesOverseas equitiesPropertyGiltsCorporate bondsE(applying the rates listed above to the investments held by the fund)$Expected long-term rate of inflation3Post-tax expected long-term nominal rate of return:'Pension business (where no tax applies)Life business 2Risk margin included within the risk discount rateRisk discount rate %US Operations (Jackson National Life)QExpected long-term spread between earned rate and rate credited to policyholders Risk discount ratePrudential Asia-Weighted expected long-term rate of inflationWeighted risk discount rate>UK and Europe Insurance Operations - smoothing of asset values`UK and Europe Insurance Operations - cost of strengthened persistency assumption and other items=Tax charge (credit) on items not included in operating profit/Holding company cash and short-term investments8a8b1The average number of shares for 2004 was 2,129m.Investment in operations reflects increases in share capital. This includes certain non cash items as a result of timing differences.4Five year average included in operating result aboveZactual investment return on investments less longer-term returns (net of related change to Equities Fixed Income Securities Total held to cover Investments the PSPS scheme assets as at that date of 4,034m exceeded the actuarially determined liabilities of 3,658m by 376m. Consequently, the Scheme assets were sufficient to 2Economic assumptions and sensitivities (continued)*(3) Effect of altered economic assumptionsTotalGroup$Gain on sale of Jackson Federal bank#Income from Discontinued OperationsThe UK GAAP results are determined after adjustment for minority interests. For UK reporting purposes the segmental result of Jackson National Life reflects its proportionate]interests in the results of two investment funds that are consolidated as quasi subsidiaries.cost. The value movement under US GAAP is therefore not reported for UK GAAP purposes and is a reconciling item within the analysis above.Consistent with the ABI SORP, investment returns included in the UK operating result are determined on a longer-term basis. These amounts are explained in Schedule 12. Thedifference between actual investment returns and longer-term returns is included within the profit and loss account as short-term fluctuations in investment returns as set out in Schedule 14. on disposals&on income from discontinued operationsOther defined benefit schemes =Pre-tax expected long-term nominal rates of investment returnDecrease in rates of 1%Risk discount rates6Operating profit from new long-term insurance businessNote(Jackson National Life net of tax profitsPre capital chargePost capital charge Schedule 4'Operating profit from business in force$Experience variances and other itemsJackson National Life.Return on surplus assets (over target surplus) Persistency Expenses-Loss from strengthening operating assumptionsNotes4a Schedule 52003 mLong-term business EShare of investment return of funds managed by PPM America, that are Short-term fluctuations in investment returns represent the difference between total investment returns in the year attributable to shareholdersfund and shareholders' funds. Movements on the element attributable to the PAC life fund would be reflected in movements in the Fund for Future Appropriations. The impact on;shareholders' results would be as shown in the table below.Total 5aPre-tax losses resulting from changes in economic assumptions included within the profit (loss) on ordinary activities before tax arise as follows: <Related change to amortisation of deferred acquisition costs+Profit before tax before minority interests*Profit before tax after minority interests UK and Europe Operationsthe active basis is appropriate for business written in Japan and Korea and for US dollar denominated business written in Hong Kong.vMemorandum only - estimated unwind of discount in 2003 applying the same economic assumptions as for the 2004 results:J consolidated into Group results, but attributable to external investors,Tax charge on profit on ordinary activities ;Tax charge on short-term fluctuations in investment returns< Egg US Operations Asian Fund Management Operations;Operating profit (loss) before amortisation of goodwill andTax on operating profit4Tax on short-term fluctuations in investment returns0Tax on effect of changes in economic assumptions*Tax charge on profit on business disposalsTax on Egg France closure costTotal tax charge/Exchange movements net of related tax (note 9a) subsidiary owned by JNL2Net increase in shareholders' capital and reservesZinvestment returns (net of related change to amortisation of deferred acquisition costs) cover 110% of the benefits that had accrued to members, allowing for expected future increases in earnings. As a result of the valuation, the employers' contribution rate has Total Group position18b5b!Short-term fluctuations comprise:>Actual investment return on investments less long-term returns5cThis comprises:5dQJackson National Life - Actual less averaged realised gains and losses (includingUS$mFive year total Schedule 6Long-term business: Jackson National Life (note 6b)Total tax on operating profit-Tax on items not included in operating profit3Total tax on items not included in operating profit,(including tax on actual investment returns)6a6b6c Schedule 7Long-term business operations<Actual shareholders' funds less smoothed shareholders' fundsM&GEggBefore capital charge ,Excluding assets in excess of target surplus"Assets in excess of target surplusAfter capital chargeOther operations7a7b7c8Relates to broker dealer and fund management operations.KNet core structural borrowings of shareholder financed operations comprise:* Consistent with prior years, for the Taiwanese operation, the projections include an assumption of phased progression from current rates to the long-term expected rates over a remaining period of 8 years. This takes into account the effect on bond values of rising interest rates.@Group Summary and Insurance operations - Constant exchange ratesThe unwind of discount for UK and Europe long-term business operations represents the unwind of discount on the value of in force business at the beginning of theyear (adjusted for the effect of current year assumption changes); the expected return on smoothed surplus assets retained within the PAC with-profits fund (see with-profits fund are smoothed for this purpose to remove the effects of short term volatility of investment values (See Schedule 8 - note 8c).Schedule 8), and the expected return on shareholders' assets held in other UK and Europe long-term business operations. Surplus assets retained within the PAC:and other negative items and experience variances of 19m.'Asia - changes in operating assumptionsnassumptions in Vietnam (15m). The 27m charge in 2003 primarily reflects expense assumption changes in Japan.The 2004 56m charge for changes in operating assumptions primarily relates to Singapore (24m), mainly for persistency, and a strengthening of renewal expense of the projected release of this capital and the investment earnings on the capital. Where solvency capital is held within a with-profits long-term fund,zThe 2003 comparative figure has been restated for the implementation of UITF Abstract 38 - "Accounting for ESOP Trusts". In determining the cost of capital of Jackson National Life, it has been assumed that an amount equal to 200 per cent of the risk based capital requiredWPrudential Asia long-term business and the 2003 figures have been restated accordingly.ccontributions to the schemes by the with-profits fund and other UK long-term business operations. /the retired and active members of the schemes. The apportionment of the deficit between the estimated amounts attributable to the PAC with-profits fund and to shareholders' operations reflects the activities of Jackson National Life Schedule 8Jackson Long-termNational PrudentialbusinessLifeAsia operationstotal0Reconciliation of movement in shareholders funds7Operating profit (including investment return based on long-term rates of returns)$US broker dealer and fund managementOther income and expendituretotal tax chargeMinority interests=Development costs included above (net of tax) borne centrally4Intragroup dividends (including statutory transfer) External dividends Analysed as:;Additional shareholders' interest on Achieved Profits basis*Achieved Profits basis shareholders' funds8Adjustment from post-tax long-term investment returns to*Operating result for UK reporting purposesAverage exchange rates10a0result to UK GAAP basis result for US Operations statementsRetirement benefits<increase in pensions and payments and reduced discount rate :(principally expectations for increase in rate of pay and ,rate reflecting lower corporate bond yields) Longer-termSegmental result for investment UK Modified Statutory returnsBasis GAAP purposesUS $m!Broker-dealer and fund management4Realised investment gains (losses), net of related 0on short-term fluctuations in investment returns Net income Movements in shareholders' fundsNet income (as shown above)+Net movement in other comprehensive income Total movement in year (Shareholders' funds at beginning of year#Shareholders' funds at end of year Date: 2 March 20057Tax credit on loss from changes in economic assumptions Schedule 12 %Tax on profit on ordinary activities 13a13b Funds under management - summary US Operations Prudential AsiaExternal funds5Total insurance and investment funds under management Schedule 152Funds under management - analysis by business areaOther Investmentslinked liabilities2003 bn Long-term default assumption=Averaged losses in excess of the long-term default assumptionGross averaged losses2The following translation rates have been applied:Average Hong KongJapanMalaysia SingaporeTaiwanUSAUK and Insurance OperationsAsia development expenses Total charge>Tax on operating profit based on long-term investment returns.Prudential Asia Schedule 17!Broker dealer and fund managementexchange rates,Investment depreciation on preference sharesRestatedLocal currency : MEMORANDUM ONLY;Estimated results applying the same economic assumptions asJackson National Life (note) As restated"UK and Europe Insurance Operations 6.6% to 7.9%long-term fixed income securities markets, set by reference to period end rates of return on fixed income securities. This "active" basis of assumption 2a$Unwind of discount (notes 5a and 5f)5Cost of strengthened persistency assumption (note 5b)Other items (note 5b)Unwind of discount (note 5f)Spread (notes 5c and 5d))Change in operating assumptions (note 5e)5f,UK and Europe Insurance Operations (note 6a)Prudential Asia (note 6e)6d6e'included in profit before tax (note 6c)assumption (Schedule 5)3Long-term default assumption (Schedule 5 - note 5c)8Tax charge (credit) on operating profit (loss) (note 7a). Jackson National Life (note 7b)%Shareholders' funds summary (note 8a)"UK and Europe Operations (note 8b)&Smoothed shareholders' funds (note 8c)>Jackson National Life net of surplus note borrowings (note 8g)Capital charge (note 8d)Other US operations (note 8e)Goodwill (note 8f)(Holding company net borrowings (note 8g)8c8d8e8f8g8h8iNew business (Schedule 4)Business in force (Schedule 5);Short-term fluctuations in investment returns (Schedule 6) 6Effect of changes in economic assumptions (Schedule 3)Tax (Schedule 7)"Investment in operations (note 9b) Schedule 257Shareholders' capital and reserves at 31 December 2004 9a9b6Broker dealer and fund management result (Schedule 13)6change to amortisation of acquisition costs (note 13a)Minority interests (note 13b) (note 13d)13c13d Jackson National Life (note 14a)Prudential Asia (note 14b)14a14b#UK and Europe Insuranc< e Operations 15a15b15cCInternal insurance and investment funds under management (note 16a)@16a As included in the summarised consolidated balance sheet. US Operations (note 17a)17a Subject to provisions for permanent diminution in value, the fixed income securities of US Operations are valued at amortised cost.18a (note 18a) (note 18b) Schedule 19 Schedule 19.1 Schedule 19.2For countries where long-term fixed income securities markets are underdeveloped, investment return assumptions and risk discount rates are basedon an assessment of long-term economic conditions. Except for the countries listed above, this basis is appropriate to the Group's Asian operations.UK and Europe OperationsEurope mm ?Core structural borrowings of shareholder financed operations: US GAAPadjusted for minority and reversal of FAS 133effects adjustments2(US GAAP as published also includes the change in &the fair value of hedging instruments)on operating profitCapital contributions.Dividends paid to intermediate holding company As publishedOther OperationsaOperating profit from continuing operations before amortisation of goodwill and exceptional items*Capital charge (see note 8a on Schedule 8)PActual less averaged realised gains and losses (including impairments) for fixedA charge is deducted from the annual result and balance sheet value for the cost of capital supporting solvency requirements for the Group's19.1b19.2a (note 19.2a)!Group Summary - Q4 2004 v Q4 2003!Group Summary - Q4 2004 v Q3 2004Annuity Business SummaryThe FRS 17 basis of measurement determines liabilities by applying discount rates that reflect the current rate of return on high quality corporate bonds. The reported excess ofassets over liabilities will be particularly volatile from period to period, as a result of movements in the values of equities held by the Scheme and changes in actuarial assumptions.VShare of investment return of funds managed by PPM America, that are consolidated into5Group results, but attributable to external investorsProfit and loss account+impairments) for fixed maturity securities Representing:Rates of exchange#Effect of rate movements on resultsFWeighted pre-tax expected long-term nominal rate of investment return*%2003 - Restated for 2004 Rights issueAAdjustment from post-tax long-term investment returns to post-taxXJackson National Life - Actual investment return on investments less long-term returns Increase in rates of 1%Other informationAAdjustment for post-tax effect of changes in economic assumptions0Effect of rate movements on new business resultsNew Business notes Assets of PAC with-profits fund 1for 2004 results (at average 2003 exchange rates)2Restatement of 2003 Achieved Profits basis results&actual investment returns (Schedule 6) and other Schedule 13 Long-term businessFund managementAs originally reported2Prior year adjustment on implementation of UITF 38Lond-term operations1Annual premium equivalent insurance product sales Gross investment product inflows,Total insurance and investment product flows Investment.PRUDENTIAL PLC - NEW BUSINESS - FULL YEAR 2004+TOTAL INSURANCE AND INVESTMENT NEW BUSINESS UK & EuropeFY 2004FY 2003+/- (%)Total Insurance Products Group Total INSURANCE OPERATIONSSingleRegularDirect to Customer:Individual PensionsCorporate PensionsLife - With Profit BondLife - Other Bond Life - OtherIndividual Annuities Sub-Total DWP RebatesBusiness to Business:Bulk AnnuitiesIntermediated Distribution :Partnerships :Total :Total UK Insurance OperationsInsurance Products #Total European Insurance Operations(Total UK & European Insurance OperationsFixed AnnuitiesEquity-Linked Indexed AnnuitiesVariable AnnuitiesSub-Total RetailGuaranteed Investment ContractsGIC - Medium Term NoteTotal US Insurance OperationsChina India (@26%) Indonesia Japan Korea!Total Asian Insurance Operations Group TotalUS (1)Asia (1)-Total Investment Products - Gross Inflows (2)*Annual Equivalents (3)UK Insurance Operations : (4)#European Insurance Operations : (1) US Insurance Operations : (1) Asian Insurance Operations : (1)  Other (5)US (1b) Asia (1b)$European Insurance Operations : (1b) US Insurance Operations : (1b)!Asian Insurance Operations : (1b)INVESTMENT OPERATIONS Opening FUM Gross inflows6.5% (see Schedule 3 - note 2).fluctuations in 2004 reflects the difference between the PAC life fund actual investment return of 13.4% and the long-term assumed rate of *included within operating profit (note 6c)maturity securities (note 6d) Redemptions Net inflowsOther movementsMarket & currency movementsNet movement in FUM Closing FUM&M&G branded retail investment products Total M&G IndiaKoreaOther Mutual Fund Operations"Total Asian Mutual Fund Operations!Total Asian Investment OperationsTotal Investment ProductsM&G 2004 movement relative to 2003Curian CapitalExternal Funds under Management4Prudential branded UK retail investment products (6)0M&G institutional (7)Hong Kong MPF Products (8)M&G institutional (4) (7)US (9)DPRUDENTIAL PLC - NEW BUSINESS - QUARTER 4 2004 VERSUS QUARTER 4 2003Q4 2004Q4 2003Sub-total RetailAsia Mutual Funds Opening FUM Less redemptions Net flowsMarket and currency movements$European Insurance Operations : (10) US Insurance Operations : (10)!Asian Insurance Operations : (10) M&G (4) (7)$Hong Kong MPF Products (8)DPRUDENTIAL PLC - NEW BUSINESS - QUARTER 4 2004 VERSUS QUARTER 3 2004Q3 2004>PRUDENTIAL PLC - ANNUITY NEW BUSINESS - Q4 2004 VERSUS Q4 2003 TOTAL SALESUK Insurance Operations: ANNUITIESBulks:Life fund backedShareholder backed Individual:Total Annuities:The spread variance comprises :/Variance excluding long-term default assumption>PRUDENTIAL PLC - ANNUITY NEW BUSINESS - FY 2004 VERSUS FY 2003vThis is consistent with FRS 17. For 2004 the standard permits that the financial position of the Group on an FRS 17 basis be explained by way of note to the Group's financial |statements rather than that the FRS 17 basis be applied in preparing its profit and loss account and balance sheet position.LSummary of financial position for defined benefit schemes on an FRS 17 basisIf the FRS 17 basis was to be applied in determining the Group's statutory basis results, the reported impact would be allocated between the elements attributable to the PAC lifehAveraged realised losses on bonds in excess of long-term default assumption (See Schedule 6 and note 5c)FAS 115 effects and FAS 115Under US GAAP, following FAS 115, the fixed income securities of JNL are carried in the balance sheet at fair value. Movements in unrealised gains and losses are accounted The profit and loss accounts of foreign subsidiaries are converted at average exchange rates for the year. Assets and liabilities of foreign subsidiaries are UK GAAP results exclude the impact of profits and losses that are recognised under US GAAP as a result of the implementation of FAS 133 on accounting for derivativeOperating profit for 2003 excludes the results of discontinued operations. Shareholders funds for 2003 has been restated for the implementation of UITF 38.` average exchange rates. The applicable rate for Jackson National Life is 1.83 (2003 - 1.64).d M&G institutional investment flows. The impact is to reduce UK corporate pensions APE sales by ' 32 million for the full-year 2003.c institutional business. M&G institutional funds under management for 2003 have been restated tod include funds managed on behalf of the Prudential Staff Pension Scheme previously categorised asf internal funds. Other movements reflect the net flows arising< from the cash portion of a tactical2 asset allocation fund managed in South Africa.# in the Hong Kong MPF operation. on a constant exchange rate.h 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[(1) Insurance and investment new business for overseas operations has been calculated using&[(1b)Insurance and investment new business for overseas operations has been calculated using&>(2) Represents cash received from sale of investment products.&b(3) Annual Equivalents, calculated as regular new business contributions + 10% single new business&- contributions, are subject to roundings.&a(4) Certain investment mandates previously reported as UK corporate pensions are now reported as &X(5) In Asia, 'Other' insurance operations include Thailand, The Philippines and Vietnam.&A(6) Scottish Amicable and Prudential branded Investment Products.&b(7) Balance includes segregated pensions fund business, private finance flows and M&G South Africa&Long-term operationsa(8) Mandatory Provident Fund product sales in Hong Kong are included at Prudential's 36% interest&f(9) Balance sheet figures have been calculated at the closing exchange rate. The 2003 balance is shown&d(10) Sales are converted using the year to date average exchange rate applicable at the time. The &?Actual less averaged losses excluded from operating result but "Basic earnings per share (note 1a)?Based on profit for the financial year after minority interests Schedule 38Actual less long-term return on equity based investmentsJackson National Life - Summary$Profit (loss) for the financial yearLong-term business:Long-term business :Experience variances:"Accounting for retirement benefitsExplanatory note-4Shareholders' capital and reserves at 1 January 20042003 bn 2004 Results 2004 Results - Schedule 20 - Constant Exchange Rates+ Schedule 21 - Actual Exchange Rates Schedule 22 Schedule 23 Schedule 24#Basic earnings per share (note 10a)11a+Restatement of 2003 Statutory basis results0post-tax actual investment returns (Schedule 14)US Operations (note 12a)12a12b?Averaged realised losses on fixed income securities comprising:Total (note 12c) Prudential Asia (note 7c and 7d)Other operations (note 7d)hExcluding tax relief on broker dealer and fund management result, which is included in Other operations.7d.Including tax relief on development expenses. Held within US Operations *Adjustment for net of tax losses of CurianCthe difference between year end and average 2004 rates for profits.HProceeds from issues of share capital by parent company, net of expenses!Consideration paid for own sharesEgg France closure cost2Operating profit (loss) from continuing operations4Operating profit (loss) from discontinued operationsDBasic earnings per share - Restated for 2004 Rights Issue (note 11a)3UK basis operating result for continuing operations0Jackson National Life (note 12b and Schedule 13)cThe result of Jackson Federal Bank that was sold in 2004 has been excluded from the above analysis.;Difference between actual and averaged losses (Schedule 14)Longer-term returns on Jackson National Life's equity based investments have been determined by applying a longer-term rate of return of 8.0%.Uinstruments. Such gains and losses are not generally recognised for UK GAAP purposes.Realised investment gains, net of related change to amortisation of acquisition costs, are $78m. These comprise gains of $72m on fixed maturity investments which are includedwithin UK operating results on five year averaged basis (as shown in Schedule 12) and realised gains on equities and preference shares of $6m.DThe closing rate for 2004 of 1.92 is applied to shareholders' funds.Exchange rates :^Short-term fluctuations (net of related change to amortisation of acquisition costs) comprise 2Realised and unrealised gains on preference sharesuShort-term fluctuations for Prudential Asia of 28m primarily reflect bond value movements and rising equity markets.%Tax relief on Egg France closure costgExcluding tax relief on broker-dealer and fund management result which is included in Other operations.Land and BuildingsBEstimated shareholders' share that would be reflected in MSB and BAP basis results if FRS 17 had been applied to the 2004 financial Gless estimated amount attributable to PAC with-profits fund (note 18c)18c0Foreign currency translation: Rates of Exchangetranslated at year end exchange rates. Foreign currency borrowings that have been used to finance or provide a hedge against Group equity investments in foreign subsidiaries are also translated at year end exchange rates. The impact of these currency translations is recorded as a component of the movementYear endBForeign currency translation: Effect of rate movements on results#Total (before development expenses)The memorandum results for 2003 have been calculated by applying average 2004 exchange rates to operating profit and year end 2004 exchange rates at 31 December 2004 to shareholders'OForeign currency translation: Effect of rate movements on New Business resultsAs preliminary announcement Schedule 26%Notes to the New Business Schedules :The profit and loss account net of tax charge or credit in respect of changes in economic assumptions, which is shown as an item excluded from operating profit, reflects the effect on shareholders' funds at the start of the reporting period. The net of tax effect of changes in operating assumptions, which are included within the analysis of operating profit, also reflect the impact on shareholders' funds at the start of the reporting period.experience variances. The 100m charge for other items for 2003 includes a 35m adverse experience variance for persistency; a 29m restructuring charge;an adverse annuitant mortality assumption change of 18m; a strengthening of renewal expense assumptions of 29m, other positive assumption changes of 30mOn the Achieved Profits basis of reporting, the impact of FRS 17 for 2004 would also be limited to that attributable to shareholders' funds as shown in the table below. Pension costs attributable to the PAC with-profits fund are an element of expenses which are incorporated in the valuation of business in force by discounting the value of future operating profit but included within the total profit or loss for the reporting period. An analysis of the short-term fluctuations in investment returns is shown in Schedule 6.The 66m (50m) cost of strengthened persistency assumption relates to the closed book of personal pensions policies sold by the now discontinued direct sales force.hreference to the Achieved Profits basis operating results for new business written in the relevant year.8Less: long-term default assumption (Schedule 6 -note 6d)QInvestment return related gain due primarily to changed expectation of profits on~Short-term fluctuations for Prudential Asia for 2004 of 48m primarily reflect bond value movements and rising equity markets.Other net liabilities (note 8h)Total (note 8i)The achieved profits basis results have been prepared in accordance with the guidance issued by the Association of British Insurers in December ^2001 "Supplementary Reporting for long-term insurance business (the achieved profits method)".LThe average rate for 2004 of 1.83 is applied to the profit and loss account.S constant exchange rates. The applicable rate for Jackson National Life is 1.83.have been lower by 72m. This represents a pre-tax loss of 100m less related tax credit of 29m (as analysed by business operation in Schedule 9):Longer-term returns on equity based investments (note 12d)12chRealised gains and losses arising in period (net of related change to amortisation of acquisition cost<s)12dUK Insurance OperationsXActual gains less averaged realised losses for fixed income securities (see Schedule 12)@Actual gains less longer-term return on equity based investments Jackson National Life (note 15b)"Prudential Asia (note 15c and 15d)Other operations (note 15d)15dBusiness Area (Schedule 17)The Group's principal defined benefit scheme, the Prudential Staff Pension Scheme (PSPS), was last subject to a full actuarial valuation as at 5 April 2002. The market value of ]continued at the minimum rate prescribed under the Scheme rules, which is 12.5% of salaries. (note 19.1a) (note 19.1b)19.1afunds.1post-tax actual investment returns (Schedule 14) Reverse FAS 133 andOther US subsidiaries (note 13c)?Short-term fluctuations in investment returns (per Schedule 14)per JNL financialBare measured using the revised operating and economic assumptions.New business operating profit and the unwind of discount and experience variances included in the analysis of operating profit from business in force,UK and Europe Insurance Operations (note 4a)Jackson National Life (note 4b)4b'as M&G institutional investment flows. The 2003 UK new business result includes 9m in respect of certain investment mandates previously reported as UK Corporate Pensions but now includedThe financial reporting impact if the FRS 17 basis had been applied in preparing the Group's results, rather than the SSAP 24 basis, is as follows: Profit and loss Statement of accountrecognised gains Deficit in schemescharge and losses ContributionspaidMovement in year Prudential Staff Pension Scheme Related taxNet of shareholders' tax Service cost &Actual less expected return on assets Finance (expense) income Experience losses on liabilities&Interest on pension scheme liabilitiesLoss on changes of assumptions Expected return on assets Deficit in Memorandum2004 m using 2004As in prior years, the Group's statutory basis results for 2004 have been determined after application of SSAP 24 for accounting for pension costs of defined benefit schemes. at 1 Jan 2004at 31 Dec 200420042004 bn*Reconciliation from JNL 2004 US GAAP basis and adjust for minority interets (note 13a&b) Tax (charge) credit:(on realised investment gains and losses for within Other Comprehensive Income. Under UK GAAP, subject to provisions for permanent diminution in value, these securities are carried in the balance sheet at amortised9Tax charge (credit) on operating profit (loss) (note 15a)tTax charges on Prudential Asia fund management results are now recorded within those of Other operations rather than]The memorandum results for 2003 have been calculated by applying average 2004 exchange rates.(4) 2004 Results: sensitivitiesProfits are translated at average exchange rates, consistent with the method applied for modified statuory basis results. The amounts recorded above forexchange rate movements reflect the difference between year end 2004 and 2003 exchange rates as applied to shareholders' funds at 1 January 2004 andaUK basis operating profit for the year ended 31 December 2004 includes the following longer-term Year ended 31 December 2004 2003The estimated increase (decrease) in the 2004 Group results that would arise from the following changes in economic assumptions are:/2004 Pre-tax operating profit from new business$31 December 2004 Shareholders' Funds[Jackson National Life - spread variance and longer-term returns on equity based investments 6.8% to 7.8%%Tax credit on Egg France closure costProfit on business disposals4Adjustment for post-tax profit on business disposals/Adjustment for post-tax Egg France closure costSchedule 3 (continued) Schedule 9 Schedule 10 Schedule 11 Schedule 14 Schedule 16 Schedule 18.Short-term fluctuations in investment returns +Total realised gains and losses arising in:/Five year average included in operating result 3Averaged losses in excess of the long-term default 5eTotal goodwill comprises :?Other operations, relating to M&G and acquired Asian businessesHolding Company#Jackson National Life surplus notes/Profit (loss) on ordinary activities before tax#Statutory basis shareholders' fundsJackson National Life - spread variance and averaged realised losses on bonds in excess of charge for long-term default assumption&in shareholders' capital and reserves.exceptional items.amortisation of acquisition costs) as follows:As reported aboveHeld within Egg PRUDENTIAL PLCSupplementary informationScheduleAchieved Profits basis resultsEarnings per share&Economic assumptions and sensitivitiesOperating profit New business%Group Summary - Investment operations?Group Summary and Insurance operations - Actual exchange ratesCBasic earnings per share - Restated for 2004 Rights Issue (note 2a)The restated average number of shares for 2003 was 2,076m (previously 1,996m) as a result of the adjustment of 1.04 for the bonus element of the 2004 Rights Issue.Under this guidance, the basis for setting long-term expected rates of return on investments and risk discount rates are, for countries with developed setting has been applied in preparing the results of the Group's UK, Europe and US long-term business operations. For the Group's Asian operations, ,US 10 year treasury bond rate at end of yearThe economic assumptions shown above for Prudential Asia have been determined by weighting each country's economic assumptions by on the achieved profits basis and the return included within operating profit as described in note 5a on Schedule 5. The 402m of positiveBsZ y[`a6e g g 6h aiMjvkl}yno|+sPt1uuxz {O}~3 Q &܋Uknj2~S5m~:yij>@y m- E W _  :e ps׭,8;@fƲHɸSҽxP 4  GGx [u[hanhu>K HU  )6+8Yf)6 ^@ @b  dMbP?_*+%(?)ffffff?M\\LNGOVPAPP05\PA116982 dXXLetter.HP LaserJet 8000 Series PCL 62)xe.DA:36XpFdĸ_""^y UI9K#‚ Xx/be~Z|ﮮe@ml&0$c;iAb!$%=(+A!)< dy]mW={*}d&\qR8#I+vH>H/$_R6\prZs(tB] A /Hb Coބ'|`, 519;Jӿv&S=J=ċX7 '\Y9KȑA!nU|H뒻?DN" PXX??U} }  } } } } @   h h                         / h 0 ,1 2 3 ~ P@~ ? q~ @ 4~ @ 5 6~ @ ~ @ ~ @ ~ @  ~  @ ~ "@  36   &   ! 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