Overview: The year's achievements

• Achieved strong growth in sales and profits across our worldwide portfolio of businesses despite experiencing the worst UK floods in 60 years
• Introduced a regional management structure and set out medium term growth targets
• Completed the integration of our businesses in the USA and Ireland
• Achieved ratings upgrades in our US life business from AM Best and Standard & Poor’s
• Achieved savings of £250 million in the UK life and general insurance businesses
• Gained access to over 50 million potential new customers through bancassurance deals
• Completed a merger in Turkey, creating Aviva SA, which will contribute to growth in central and eastern Europe

* From continuing operations, including long-term savings result on a European Embedded Value (EEV) basis before adjusting items.
** Return based on opening equity shareholders' funds on an EEV basis.
† From continuing operations, including share of associates' premiums.
‡ On an EEV basis.