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16 Aug 2023: Interim results - for six months ended 30 June 2023
Watch our half year results 2023 video with Group CEO Amanda Blanc
Transcript for video Watch our Group CEO, Amanda Blanc’s 2023 half year results video
Smera Ashraf:
Hi, Amanda.
Amanda Blanc:
Hi, Smera it’s absolutely lovely to see you.
Smera Ashraf:
Thank you very much. How are you today?
Amanda Blanc:
I'm really good. Thank you very much.
Smera Ashraf:
So we’re at the half year point.
How are we performing?
Amanda Blanc:
So, look, first of all, let's start by thanking everybody for the performance. I think that our Aviva colleagues have once again made it click for our customers and done a really, really fantastic job. And you'll see that through these results. I think we've got some real momentum despite the challenging macro-economic backdrop.
Aviva has actually performed really strongly in the first half. We have delivered profitable growth, so, you know, all parts of the business are showing that growth. And I think that what we've shown is that the diversified business model and the right strategy are working really well for us.
Smera Ashraf:
That sounds great. So what are the key highlights for you at this half year?
Amanda Blanc:
It's hard to pick a few things, but if I was to focus on, you know, the core markets and the three GI businesses have delivered double digit growth in each of the markets; in Canada, Ireland and in the UK.
So in the UK business, Adam and the team have delivered really strong growth in SME and in mid-market.
In Canada, Jason and the team have delivered 16% growth in Commercial Lines.
Doug and the team in the Wealth business have actually delivered 100 billion of assets under administration on the Workplace platform.
That is a real achievement.
And Mark and the team have originated over half a billion of assets which support the annuity business.
So I think a really strong performance from all of the markets.
Smera Ashraf:
That's really great. That's really impressive. Now we talk about our four strategic priorities. This year is about the year of the customer. So how are we delivering for them?
Amanda Blanc:
Yes. So I mean, we're really passionate about delivering for the customer. We have over 18 million customers across Aviva and 16 million of those customers in the UK.
And so it's really, really important that we deliver, you know, what we say we're going to do for our customers.
So some of the things that we've delivered that I'm particularly proud of; the COVID Health Pledge. We've delivered £128 million of that COVID Health Pledge now, which is something obviously we promised to do when COVID struck.
The second thing, which I think has been brilliant, is on the Direct and Adviser platforms.
Instead of holding on to any of the increased interest, we've actually paid that interest in full, back to the customers who have cash balances on that platform.
That's something that I think, you know, we are very, very proud of.
We've digitally built our propositions for all of our customers and we have really good improvement on our customer journeys.
And the final point I think worth making on customers is we now have 6 million customers using MyAviva, and that's important for them because it makes their life easier.
It's also important for us because a MyAviva customer is twice as likely to buy another product from Aviva.
So, you know, all in all, I think strong delivery for our customers this half year.
Smera Ashraf:
Thank you. That's really great.
So can we talk about the other three priorities and how we're delivering against them?
Amanda Blanc:
Yes, of course. So let's focus on growth. You know, I think here I've spoken about the growth in the General Insurance businesses and the Wealth platform, but there are some real specific things here that I think are really great.
Aviva Zero, which is something that we launched 18 months ago, has delivered 250,000 policies so far. So that's really, really good growth and that's our digitally led carbon conscious motor product.
We have secured the Barclays back book which is another 350,000 customers that are now directly Aviva customers.
And we're seeing positive flows onto the Aviva platform from the business that we bought last year; Succession Wealth. So in growth, I think we've really delivered in the first half of this year.
For efficiency, some real strong shout outs here too.
First of all, we've streamlined the IT platform. We've simplified our product set, which makes it easier for our customers and also for our colleagues.
We've actually produced more investment in technology, which means that we're more efficient. We've reduced our property footprint. And as a consequence of that, we've been able to announce today that we have achieved our cost reduction target of £750 million, one year early. Now that I think is a terrific achievement, especially set in the context of the inflationary environment that we're operating in.
And then finally, on sustainability, have actually achieved three years early, 100% of our global energy usage from renewable sources. So, you know, that again, is something that we are incredibly proud of.*
Smera Ashraf:
That sounds really strong and positive. What's the one key takeaway you'd like everyone to take from today?
Amanda Blanc:
So there's probably more than one key takeaway. But I think the overriding thing I want everybody to take away is that we've really got some momentum here.
We're delivering growth. We're delivering for our customers. We're delivering profitably, and also we're delivering cost efficiency. But also we're delivering for our shareholders.
There’s a growing dividend and also regular and sustainable returns of capital.
But we don’t intend to stop here. That momentum that I talked about is coming through in those four strategic priorities. So it’s a really really exciting time at Aviva.
Smera Ashraf:
That's really great. Thank you so much for spending some time and talking me through the results.
Amanda Blanc:
Thank you very much.
*In 2022, we achieved our goal and now ‘match’ all our electricity to renewable sources in our core markets of UK, Ireland and Canada.
Archive of past presentations
View past presentations by year.
2023
19 July 2023: IFRS 17 transition update
Download our IFRS 17 transition update announcement PDF (1.3 MB)
Download our IFRS 17 transition update presentation PDF (2.5 MB)
24 May 2023: First quarter trading update for three months ended 31 March 2023
Watch our Group CEO, Amanda Blanc’s 2023 first quarter trading update video
Download our first quarter 2023 trading update announcement (PDF 151KB)
Download the shareholder asset portfolio presentation (PDF 1.7MB)
Listen to a recording of our first quarter 2023 trading update for analysts and investors
Read our first quarter 2023 trading update announcement
9 Mar 2023: Preliminary results for 12 months ended 31 December 2022
Watch our Group CEO, Amanda Blanc’s 2022 full year results video
Download our 2022 full year results announcement (PDF 1.1 MB)
Download our 2022 full year results presentation (PDF 4.3 MB)
Watch our 2022 full year results update for investors and analysts
Read our 2022 full year results announcement
25 Jan 2023: In focus: UK General Insurance Personal Lines
Watch our In focus: UK General Insurance Personal Lines presentation video
2022
9 Dec 2022: IFRS 17 market update
Watch our Group CFO, Charlotte Jones’s IFRS 17 market update video
Download our IFRS 17 market update announcement PDF (1.9 MB)
Download our IFRS 17 market update presentation PDF (4.4 MB)
9 Nov 2022: Third quarter 2022 trading update – for nine months ended 30 September 2022
Watch our third quarter 2022 results video with Amanda Blanc
Download our third quarter 2022 trading update announcement PDF (360 KB)
Download our third quarter 2022 trading update presentation PDF (3.3 MB)
Listen to a recording of our third quarter 2022 trading update for investors and analysts
10 Aug 2022: Interim results – for six months ended 30 June 2022
Watch our 2022 half year results video with Amanda Blanc
Download our 2022 half year results announcement PDF (1.6 MB)
Download our 2022 half year results presentation PDF (5.8 MB)
Watch our 2022 half year results update for investors and analysts
29 Jun 2022: In focus: Annuities, Equity Release & Asset Origination
2022 In focus: Annuities, Equity Release & Asset Origination video
Download the presentation slides PDF (5.8 MB)
18 May 2022: First quarter trading update – for three months ended 31 March 2022
Download our first quarter 2022 trading update announcement PDF (261 KB)
Listen to a recording of our first quarter 2022 trading update for analysts and investors
2 Mar 2022: Preliminary results for 12 months ended 31 December 2021
Watch our 2021 full year results video with Amanda Blanc
Download our 2021 full year results announcement PDF (736 KB)
Download our 2021 full year results presentation PDF (2.9 MB)
Watch our 2021 full year results update for investors and analysts
18 Jan 2022: In focus: UK General Insurance Commercial Lines
2022 In focus: UK General Insurance Commercial Lines presentation slides PDF (4.6 MB)
2022 In focus: UK General Insurance Commercial Lines presentation video
2021
23 Nov 2021: In focus: Health & Protection
2021 In focus: Health & Protection presentation slides PDF (4.2 MB)
2021 In focus: Health & Protection event video
11 Nov 2021: Third quarter trading update - for nine months ended 30 September 2021
Watch our third quarter 2021 results video with Amanda Blanc
Download our third quarter 2021 results announcement PDF (550 KB)
Listen to a recording of our third quarter 2021 trading update – for analysts and investors
12 Aug 2021: Interim results - for six months ended 30 June 2021.
Watch our 2021 half year results video with Amanda Blanc
Download our 2021 half year results announcement PDF (1.0 MB)
Download our 2021 half year results presentation PDF (4.3 MB)
Listen to a recording of our 2021 half year results update for investors and analysts
6 July 2021: In focus: Canada
2021 In focus: Canada analyst and investor event PDF (3.7 MB)
2021 In focus: Canada analyst and investor event video
27 May 2021: First quarter trading update - for three months ended 31 March 2021
Download our first quarter 2021 results announcement PDF (111 KB)
Download our first quarter 2021 results audio webcast MP3 (44 MB)
4 Mar 2021: Preliminary results for 12 months ended 31 December 2020
Watch our 2020 full year results video with Amanda Blanc
Download our 2020 full year results announcement PDF (1.80 MB)
Download our 2020 full year results presentation PDF (9.0 MB)
Listen to a recording of our 2020 full year results update video for investors and analysts
2020
26 Nov 2020: Third quarter update - for nine months ended 30 September 2020
Watch our third quarter 2020 update announcement video with Amanda Blanc
Download our third quarter 2020 update announcement PDF (1.67 MB)
Download our third quarter 2020 update presentation PDF (2.50 MB)
Listen to a recording of our third quarter 2020 update video
6 Aug 2020: Interim results for six months ended 30 June 2020
Watch our 2020 half year results video with Amanda Blanc
Download our 2020 half year results announcement PDF (1.5 MB)
Download our 2020 half year results presentation PDF (405 KB)
Download our 2020 half year results audio webcast MP3 (35 MB)
21 May 2020: Operating update - three months ended March 31 2020
Download our first quarter 2020 update announcement PDF (2.2 MB)
Download our first quarter 2020 update investment portfolio snapshot PDF (1.3 MB)
Download our first quarter 2020 update audio webcast MP3 (6.1MB)
5 Mar 2020: Preliminary results for 12 months ended 31 December 2019
Watch our 2019 full year results video with Maurice Tulloch
Download our 2019 full year results video with Maurice Tulloch (transcript) PDF (72 KB)
Download our 2019 full year results announcement PDF (2.2 MB)
Download our 2019 full year results presentation PDF (3.5 MB)
2019
20 Nov 2019: Capital Markets Day 2019
2019 Capital Markets Day video – update from Maurice Tulloch (CEO)
2019 Capital Markets Day video – update from Maurice Tulloch (CEO) – video transcript PDF (106 KB)
2019 Capital Markets Day announcement
2019 Capital Markets Day presentation PDF (6.06 MB)
2019 Capital Markets Day presentations video – Maurice Tulloch (CEO) and Jason Windsor (CFO)
8 Aug 2019: Interim results for six months ended 30 June 2019
2019 half year results announcement PDF (2 MB)
2019 half year results presentation PDF (2.2 MB)
2019 half year results video webcast
6 Jun 2019: Investor update
2019 investor update presentation PDF (2.2MB)
2019 investor update event video
2019 investor update announcement
7 Mar 2019: Preliminary results for 12 months ended 31 December 2018
2018 full year results announcement PDF (2MB)
2018
2 Aug 2018: Interim results for six months ended 30 June 2018
2018 half year results announcement PDF (2.3 MB)
2018 half year results video with Mark Wilson
2018 half year results presentation PDF (550 KB)
2018 half year results video webcast
8 Mar 2018: Preliminary results for 12 months ended 31 December 2017
2017 full year results announcement PDF (1.0 MB)
2017 full year results video with Mark Wilson
2017 full year results presentation PDF (1.1 MB)
2017 full year results video webcast
22 Jan 2018: Bulk purchase annuity (BPA) and private debt seminar
Jason Windsor, CFO UK Insurance, Tom Ground, MD Defined Benefit Solutions, and Mark Versey, CIO Investment Solutions, spoke at our BPA and private debt seminar at our offices in London.
2018 Bulk purchase annuity and private debt seminar presentation PDF (1.11 MB)
2017
30 Nov 2017: 2017 Capital Markets Day, Warsaw, Poland
2017 Capital Markets Day event day summary video
2017 Capital Markets Day event day video webcast
28 Sep 17: Bank of America Merrill Lynch conference
2017 Bank of America Merrill Lynch conference PDF (1.3 MB)
03 Aug 17: Interim results for 6 months ended 30 June 2017
2017 half year results announcement PDF (2.3 MB)
2017 half year results video with Mark Wilson
2017 half year results presentation PDF (2.2 MB)
09 Mar 17: Preliminary results for 12 months ended 31 December 2016
2016
04 Aug 16: Interim results for 6 months ended 30 June 2016
Results slides
PDF (906.4 KB)
06 Jul 16: Capital Markets Day 2016
Slides
PDF (1.3 MB)
10 Mar 16: Preliminary results for 12 months ended 31 December 2015
Results slides
PDF (401.1 KB)
2015
30 Sep 15: Bank of America Merrill Lynch Conference
Bank of America Merrill Lynch Conference Presentation 2015
PDF (982.8 KB)
06 Aug 15: Interim results for 6 months ended 30 June 2015
Results slides
PDF (2.4 MB)
15 Jun 15: Goldman Sachs 19th Annual European Financials Conference
Transforming Aviva
PDF (762.8 KB)
02 Jun 15: Deutsche Bank Global Financial Services Conference
Deutsche Bank Global Financial Services Conference Presentation
PDF (264.3 KB)
24 Mar 15: Morgan Stanley European Financials Conference
Morgan Stanley European Financials Conference Presentation
PDF (328.3 KB)
05 Mar 15: Friends Life's preliminary results for 12 months ended 31 December 2014
Results slides
PDF (609.0 KB)
Audio Webcast
MP3 audio file (47.3 MB)
05 Mar 15: Preliminary results for 12 months ended 31 December 2014
Results slides
PDF (1.9 MB)
2014
02 Oct 14: 19th Annual Banking & Insurance CEO Conference, Bank of America Merrill Lynch
Bank of America Merrill Lynch Conference Presentation 2014
PDF (1.1 MB)
07 Aug 14: Interim results for 6 months ended 30 June 2014
Result slides
PDF (324.0 KB)
06 Aug 14: Friends Life's interim results for 6 months ended 30 June 2014
Results slides
PDF (898.8 KB)
Audio Webcast
MP3 audio file (65.1 MB)
09 Jul 14: Aviva plc capital markets day
Presentation slides
PDF (4.8 MB)
09 May 14: Friends Life's interim management statement - 3 months ended 31 March 2014
Results slides
PDF (319.7 KB)
Audio Webcast
MP3 audio file (60.3 MB)
25 Mar 14: Morgan Stanley European Financials Conference
Morgan Stanley European Financials Conference Presentation
PDF (558.6 KB)
18 Mar 14: Friends Life - Strategy Update
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PDF (741.8 KB)
18 Mar 14: Resolution's preliminary results for 12 months ended 31 December 2013
Results slides
PDF (1.4 MB)
Audio Webcast
MP3 audio file (113.4 MB)
06 Mar 14: Preliminary results for 12 months ended 31 December 2013
Results slides
PDF (999.6 KB)
2013
07 Nov 13: Interim management statement - 9 months ended 30 September 2013
25 Sep 13: 18th Annual Banking & Insurance DEC Conference, Bank of America Merrill Lynch
Bank of America Merrill Lynch Conference Presentation 2013
PDF (300.5 KB)
13 Aug 13: Resolution's interim results for 6 months ended 30 June 2013
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PDF (488.7 KB)
Audio Webcast
MP3 audio file (70.2 MB)
08 Aug 13: Interim results for 6 months ended 30 June 2013
Results slides
PDF (626.3 KB)
04 Jun 13: Deutsche Bank - Global Financial Services Investor Conference
Pat Regan, chief financial officer, Aviva plc
PDF (581.7 KB)
26 Mar 13: Resolutions's preliminary results for 12 months ended 31 December 2012
Results slides
PDF (1.4 MB)
Audio Webcast
MP3 audio file (43.7 MB)
07 Mar 13: Preliminary results - 12 months ended 31 December 2012
Results slides
PDF (480.5 KB)
2012
23 Nov 12: Interview post Mark Wilson's appointment as ceo
15 Nov 12: Friends Life - Investor update on UK progress and International strategy
Presentation slides
PDF (1.1 MB)
26 Sep 12: Bank of America Merrill Lynch - Banking and Insurance CEO conference
Pat Regan, chief financial officer, Aviva plc
PDF (1001.6 KB)
17 Sep 12: KBW Financials Conference 2012
Pat Regan, chief financial officer, Aviva plc
PDF (563.3 KB)
15 Aug 12: Resolution's interim results for 6 months ended 30 June 2012
Results slides
PDF (678.1 KB)
Audio Webcast
MP3 audio file (44.2 MB)
09 Aug 12: Interim results for 6 months ended 30 June 2012
John McFarlane and Pat Regan video interview
Results slides
PDF (335.2 KB)
05 Jul 12: Aviva plc investor and analyst update
An interview with John McFarlane and Pat Regan
Announcement of senior management changes
Presentation Slides
PDF (1.5 MB)
02 Jul 12: John McFarlane interview
13 Jun 12: The future of life and long-term savings conference
Presentation slides
PDF (1.2 MB)
31 May 12: Barclays Capital Conference
Presentation slides
PDF (1.1 MB)
08 May 12: John McFarlane vodcast
27 Mar 12: Morgan Stanley - European Financials Conference
Andrew Moss, group chief executive, Aviva plc
PDF (1.2 MB)
27 Mar 12: Resolution's preliminary results for 12 months ended 31 December 2011
Results slides
PDF (573.9 KB)
Audio Webcast
MP3 audio file (64.8 MB)
08 Mar 12: Preliminary results - 12 months ended 31 December 2011
Results slides
PDF (1.8 MB)
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