Interim results - 6 months ended 30 June 2004
- Results announcement
- Operating and financial review
- Group operating profit before tax
- Long-term savings
- Life achieved operating profit
- New business contribution – after deducting the effect of solvency margin, tax and minority interest
- Bancassurance margins
- Life operating profit on a modified statutory basis
- Health
- Fund management
- General insurance
- Non-insurance operations
- Corporate costs
- Unallocated interest charges
- Cost savings
- Dividend
- Group capital and financial strength
- Financial strength of the Group and its principal insurance operations
- Other external developments
- Life new business sales
- Geographical analysis of life, pensions and investment sales and new business contribution
- United Kingdom
- France
- Ireland
- Italy
- Netherlands (including Belgium and Luxembourg)
- Poland
- Spain
- Other Europe
- International
- Detailed worldwide long-term savings new business analysis
- Analysis of UK long-term savings by distribution channel
- Analysis of sales via our principal bancassurance channels
- Analysis of total new business sales via our joint venture with Royal Bank of Scotland Group (RBSG)
- Life profits reporting
- Achieved profit basis
- Summarised consolidated profit and loss account - achieved profit basis
- Consolidated statement of total recognised gains and losses – achieved profit basis
- Reconciliation of movement in shareholders’ funds – achieved profit basis
- Summarised consolidated balance sheet – achieved profit basis
- Basis of preparation
- Components of total life achieved profit
- New business contribution
- Post-tax internal rate of return on life and pensions new business
- Experience variances
- Operating assumption charges
- Analysis of life achieved operating profit
- Embedded value of life business
- Segmental analysis of embedded value of life business
- Minority interest in life achieved profit
- Methodology
- Principal economic assumptions
- Other assumptions
- Modified statutory basis
- Summarised consolidated profit and loss account – modified statutory basis
- Earnings per share – modified statutory basis
- Consolidated statement of total recognised gains and losses
- Reconciliation of movements in consolidated shareholders’ funds
- Summarised consolidated balance sheet
- Consolidated cash flow statement
- Basis of preparation
- Exchange rates
- Exceptional costs for termination of operations
- Disposals
- Geographical analysis of life and pensions and investment sales – new business and total income
- Geographical analysis of modified statutory life operating profit
- Geographical analysis of health premiums after reinsurance and operating result
- Geographical analysis of general insurance premiums after reinsurance and operating result
- Corporate costs
- Tax
- Dividends
- Earnings per share
- Statistical supplement
