Latest results
9 Nov 2022: Third quarter 2022 trading update – for nine months ended 30 September 2022
Watch our Group CEO, Amanda Blanc’s third quarter 2022 trading update video
Transcript
Kofi Eschoe-Wilson
Hi, Amanda. Good morning. How are you doing today?
Amanda Blanc
I am good, Kofi. How are you?
Kofi Eschoe-Wilson
Yes, I'm good. Aside from the train discourse, I'm here. It's a bright morning so I'm raring to go.
Amanda Blanc
Well it's really fantastic to see you here. Normally I see you on a screen somewhere, so it's fantastic that you're in the office.
Kofi Eschoe-Wilson
Thank you for talking to me today about our third quarter trading. Have we made any good progress since our half year results?
Amanda Blanc
We have made good progress. Despite the fact that we've seen quite a lot of political and economic volatility, particularly here in the UK. Actually Aviva this morning has confirmed some brilliant results I think. What you see from this morning's results is a real benefit of our diversified business model.
So, we've got strong growth in a number of areas. And we're also reconfirming our dividend
and capital returns plans that we laid out in March and August. So all in all another strong
quarter for Aviva.
Kofi Eschoe-Wilson
Thank you, Amanda. At half year we talked a lot about our strategic priorities, how are we doing against them at quarter three?
Amanda Blanc
So we're making good progress against our four priorities.
So let's start with customer. Obviously customer is at the heart of everything that we do at Aviva and we've been thinking a lot about how we can help our customers during this difficult time. So we've launched some more affordable propositions from motor and home
and we're really pleased with that and we're seeing really good uptake
of those products. So that's clearly landing with customers which is really great news. I'm also incredibly proud of the partnerships that we've created with Citizens Advice and also the Money Advice trust which is £9 million of investment to help customers and businesses through what is obviously going to be an incredibly difficult time.
Our second priority is growth. And we've seen strong growth in Wealth, Retirement and Insurance. I'm particularly pleased about growth in some of the key areas for us. So net flows, particularly in our Workplace pensions business. We've seen strong growth in Health and Protection and also in our Commercial Lines business in Canada and in the UK.
We've also completed the acquisition of Succession Wealth and that really helps our growth
in the wealth business because it gives us really high-quality advice that our customers we believe need.
So our third priority area is obviously around efficiency and we are on track to deliver the £750 million gross of inflation efficiency targets that we put in place in March of this year by 2024. There has been good progress around cost reduction across all areas of the business and particularly Aviva Investors have made some excellent progress in the last quarter announcing a significant outsourcing deal.
So I think bearing in mind the difficult environment that we're in we've made great progress here.
And finally on sustainability. We've been awarded number one European financial institution for the new world Benchmarking Alliance Financial System Benchmark.
Obviously we've got a strong history in ESG but that is a real benchmark and a real opportunity for us to play an important part in this important topic, which is something
I'm incredibly proud of.
Kofi Eschoe-Wilson
Thanks, Amanda. And finally are you optimistic about 2023?
Amanda Blanc
I am optimistic because I think what you've seen in the last quarter is that our trading
has been very positive. The third quarter numbers are strong. We're under no illusions that the backdrop is clearly very difficult economically, but we are really confident in the outlook
for Aviva.
We believe that we can excel and deliver on the promises that we have laid out. Our position is strong. Our model is resilient. And we're delivering on the strategy.
Kofi Eschoe-Wilson
Any messages to colleagues as we come to the end of the year?
Amanda Blanc
I have. What I would say is look at what we've achieved so far this year. Really strong results despite everything else that is going on.
We've got great performance across all of our key areas: growth, customer, efficiency and sustainability. I would say to them keep going to the end of the year.
I know it's hard work, but look at what we have achieved so far, there's so much more that could be done.
And I would just also want to say obviously, thank you.
Kofi Eschoe-Wilson
Fantastic, thanks a lot for your time today.
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2022
10 Aug 2022: Interim results – for six months ended 30 June 2022
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
18 May 2022: First quarter trading update – for three months ended 31 March 2022
Download our first quarter 2022 trading update 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
2021 full year results announcement PDF (736 KB)
2021 full year results presentation PDF (2.9 MB)
2021 full year results update for investors and analysts
2021 full year results video with Amanda Blanc
2021 full year results video with Amanda Blanc (transcript) PDF (120 KB)
2021
11 Nov 2021: Third quarter trading update - for nine months ended 30 September 2021
2021 Q3 results announcement PDF (550 KB)
2021 Q3 results video with Amanda Blanc
2021 Q3 results video with Amanda Blanc (transcript) PDF (77 KB)
2021 Q3 recording of our trading update – for analysts and investors
12 Aug 2021: Interim results - for six months ended 30 June 2021
2021 half year results announcement PDF (1.0 MB)
2021 half year results presentation PDF (4.3 MB)
2021 half year results video with Amanda Blanc
2021 half year results video with Amanda Blanc (transcript) PDF (179 KB)
2021 half year results update video for investors and analysts
27 May 2021: First quarter trading update - for three months ended 31 March 2021
2021 Q1 results announcement PDF (111 KB)
2021 Q1 results audio webcast MP3 44 MB
4 Mar 2021: Preliminary results for 12 months ended 31 December 2020
2020 full year results announcement PDF (1.80 MB)
2020 full year results presentation PDF (9.0 MB)
2020 full year results video with Amanda Blanc
2020 full year results video with Amanda Blanc (transcript) PDF (125.9 KB)
2020 full year results update video for investors and analysts
2020
26 Nov 2020: Third quarter update - for nine months ended 30 September 2020
2020 Q3 update announcement video with Amanda Blanc
2020 Q3 update announcement video with Amanda Blanc (transcript) PDF (399 KB)
2020 Q3 update announcement PDF (1.67 MB)
2020 Q3 update presentation PDF (2.50 MB)
6 Aug 2020: Interim results for six months ended 30 June 2020
2020 half year results announcement PDF (1.5 MB)
2020 half year results presentation PDF (405 KB)
2020 half year results video with Amanda Blanc
2020 half year results video with Amanda Blanc (transcript) PDF (513 KB)
2020 half year results audio webcast MP3 (35 MB)
21 May 2020: Operating update - three months ended March 31 2020
2020 Q1 update announcement PDF (2.2 MB)
2020 Q1 update investment portfolio snapshot PDF (1.3 MB)
2020 Q1 update audio webcast MP3 (6.1MB)
5 Mar 2020: Preliminary results for 12 months ended 31 December 2019
2019 full year results video with Maurice Tulloch
2019 full year results video with Maurice Tulloch (transcript) PDF (72 KB)
2019 full year results announcement PDF (2.2 MB)
2019
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
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
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)
2017 financial statements and notes XLSX (158 KB)
09 Mar 17: Preliminary results for 12 months ended 31 December 2016
2016 full year results announcement PDF (2.0 MB)
2016 full year results video with Mark Wilson
2016
04 Aug 16: Interim results for 6 months ended 30 June 2016
Results announcement
PDF (2.3 MB)
Results slides
PDF (906.4 KB)
Financial statements and notes in Excel spreadsheet format
Excel (175.3 KB)
10 Mar 16: Preliminary results for 12 months ended 31 December 2015
Results announcement
PDF (2.7 MB)
Results slides
PDF (401.1 KB)
Results infographic
PDF (121.7 KB)
Financial statements and notes in Excel spreadsheet format
Excel (216.0 KB)
MCEV supplement and notes in Excel spreadsheet format
Excel (120.7 KB)
2015
29 Oct 15: Interim management statement - 9 months ended 29 September 2015
Results announcement
PDF (236.1 KB)
Financial statements and notes in Excel spreadsheet format
Excel (126.9 KB)
06 Aug 15: Interim results for 6 months ended 30 June 2015
Results announcement
PDF (1.1 MB)
Results slides
PDF (2.4 MB)
Financial statements and notes in Excel spreadsheet format
Excel (196.8 KB)
MCEV supplement and notes in Excel spreadsheet format
Excel (125.5 KB)
07 May 15: Interim management statement - 3 months ended 31 March 2015
Results announcement
PDF (254.5 KB)
Financial statements and notes in Excel spreadsheet format
Excel (151.0 KB)
05 Mar 15: Friends Life's preliminary results for 12 months ended 31 December 2014
Results announcement
PDF (1.9 MB)
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 announcement
PDF (2.8 MB)
Results slides
PDF (1.9 MB)
Aviva FY14 consensus
PDF (66.7 KB)
Financial statements and notes in Excel spreadsheet format
Excel (224.7 KB)
MCEV supplement and notes in Excel spreadsheet format
Excel (203.9 KB)
2014
11 Nov 14: Friends Life's interim management statement - 9 months ended 30 September 2014
Results announcement
PDF (194.6 KB)
30 Oct 14: Interim management statement - 9 months ended 30 September 2014
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PDF (101.3 KB)
Financial statements and notes in Excel spreadsheet format
Excel (515.0 KB)
07 Aug 14: Interim results for 6 months ended 30 June 2014
Results announcement
PDF (1.4 MB)
Results slides
PDF (324.0 KB)
Financial statements and notes in Excel spreadsheet format
Excel (223.8 KB)
MCEV supplement and notes in Excel spreadsheet format
Excel (193.7 KB)
06 Aug 14: Friends Life's interim results for 6 months ended 30 June 2014
Results announcement
PDF (2.1 MB)
Results slides
PDF (898.8 KB)
Audio Webcast
MP3 audio file (65.1 MB)
15 May 14: Interim management statement - 3 months ended 31 March 2014
Results announcement
PDF (171.4 KB)
Financial statements and notes in Excel spreadsheet format
Excel (555.5 KB)
Analyst call from Mark Wilson (76 minutes 49 seconds)
MP3 audio file (13.2 MB)
09 May 14: Friends Life's interim management statement - 3 months ended 31 March 2014
Results announcement
PDF (510.9 KB)
Results slides
PDF (319.7 KB)
Audio Webcast
MP3 audio file (60.3 MB)
18 Mar 14: Resolution's preliminary results for 12 months ended 31 December 2013
Results announcement
PDF (1.5 MB)
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 announcement
PDF (1.6 MB)
Results slides
PDF (999.6 KB)
Audio Webcast
MP3 audio file (47.3 MB)
Financial statements and notes in Excel spreadsheet format
Excel (281.5 KB)
MCEV supplement and notes in Excel spreadsheet format
Excel (265.5 KB)
2013
12 Nov 13: Resolution's interim management statement - 9 months ended 30 September 2013
Results announcement
PDF (388.5 KB)
07 Nov 13: Interim management statement - 9 months ended 30 September 2013
Results announcement
PDF (169.8 KB)
Financial statements and notes in Excel spreadsheet format
Excel (161.7 KB)
13 Aug 13: Resolution's interim results for 6 months ended 30 June 2013
Results announcement
PDF (2.1 MB)
Results slides
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 announcement
PDF (1.3 MB)
Results slides
PDF (626.3 KB)
Financial statements and notes in Excel spreadsheet format
Excel (290.0 KB)
MCEV supplement and notes in Excel spreadsheet format
Excel (223.0 KB)
16 May 13: Interim management statement - 3 months ended 31 March 2013
Results announcement
PDF (157.2 KB)
Financial statements and notes in Excel spreadsheet format
Excel (27.0 KB)
Analyst call from Mark Wilson and Pat Regan (61 minutes 21 seconds)
MP3 audio file (10.5 MB)
08 May 13: Resolution's interim management statement - 3 months ended 31 March 2013
Results announcement
PDF (319.5 KB)
26 Mar 13: Resolutions's preliminary results for 12 months ended 31 December 2012
Results announcement
PDF (2.8 MB)
Results slides
PDF (573.9 KB)
Audio Webcast
MP3 audio file (43.7 MB)
07Mar 13: Preliminary results - 12 months ended 31 December 2012
Results announcement
PDF (1.3 MB)
Results slides
PDF (480.5 KB)
Financial statements and notes in Excel spreadsheet format
Excel (280.7 KB)
MCEV supplement and notes
PDF (453.7 KB)
MCEV supplement and notes in Excel spreadsheet format
Excel (276.2 KB)
2012
15 Nov 12: Resolution's interim management statement - 9 months ended 30 September 2012
Results announcement
PDF (468.7 KB)
08 Nov 12: Interim management statement - 9 months ended 30 September 2012
Results announcement
PDF (762.0 KB)
Financial statements and notes in Excel spreadsheet format
Excel (69.0 KB)
Analyst call from John McFarlane and Pat Regan (15 minutes 17 seconds)
MP3 audio file (2.2 MB)
15 Aug 12: Resolution's interim results for 6 months ended 30 June 2012
Results announcement
PDF (1.2 MB)
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
Results announcement
PDF (1.3 MB)
Financial statements and notes in Excel spreadsheet format
Excel (202.3 KB)
MCEV supplement and notes
PDF (356.8 KB)
MCEV supplement and notes in Excel spreadsheet format
Excel (112.4 KB)
John McFarlane and Pat Regan video interview
Results slides
PDF (335.2 KB)
17 May 12: Interim management statement - 3 months to 31 March 2012
Results announcement
PDF (125.6 KB)
Financial statements and notes in Excel spreadsheet format
Excel (35.0 KB)
09 May 12: Resolution's interim management statement - 3 months ended 31 March 2012
Results announcement
PDF (361.7 KB)
27 Mar 12: Resolution's preliminary results for 12 months ended 31 December 2011
Results announcement
PDF (2.6 MB)
Results slides
PDF (474.5 KB)
Audio Webcast
MP3 audio file (64.8 MB)
08 Mar 12: Preliminary results - 12 months ended 31 December 2011
Results announcement
PDF (1.7 MB)
Financial statements IFRS and notes in Excel spreadsheet format
Excel (191.5 KB)
Results slides
PDF (1.8 MB)
2011
09 Nov 11: Resolution's interim management statement - 9 months ended 30 September 2011
Results announcement
PDF (479.1 KB)
03 Nov 11: Interim management statement - 9 months to 30 Sep 2011
Results announcement
PDF (166.2 KB)
Financial statements and notes in Excel spreadsheet format
Excel (76.0 KB)
Analyst call from Andrew Moss, Pat Regan and Igal Mayer (13 minutes 40 seconds)
MP3 audio file (6.3 MB)
16 Aug 11: Resolution's interim results for 6 months ended 30 June 2011
Results announcement
PDF (2.6 MB)
Results slides
PDF (552.3 KB)
Audio Webcast
MP3 audio file (64.8 MB)
04 Aug 11: Interim results for 6 months ended 30 June 2011
Results announcement
PDF (1.3 MB)
Financial statements IFRS and notes in Excel spreadsheet format
Excel (137.4 KB)
MCEV supplement and notes in Excel spreadsheet format
Excel (144.9 KB)
Results slides
PDF (1.6 MB)
17 May 11: Interim management statement - 3 months to 31 March 2011
Results announcement
PDF (195.4 KB)
Financial statements and notes in Excel spreadsheet format
Excel (56.5 KB)
10 May 11: Resolution's interim management statement - 3 months ended 31 March 2011
Results announcement
PDF (245.1 KB)
24 Mar 11: Resolution's preliminary results for 12 months ended 31 December 2010
Results announcement
PDF (1.6 MB)
Results slides
PDF (304.3 KB)
Audio Webcast
MP3 audio file (70.5 MB)
03 Mar 11: Preliminary results - 12 months ended 31 December 2010
Results announcement
PDF (1.3 MB)
Financial statements IFRS and notes in Excel spreadsheet format
Excel (434.0 KB)
MCEV supplement and notes in Excel spreadsheet format
Excel (291.0 KB)
Results slides
PDF (1.1 MB)
2010
11 Nov 10: Resolution's interim management statement - 9 months ended 30 September 2010
Results announcement
PDF (293.4 KB)
02 Nov 10: Interim management statement - 9 months to 30 September 2010
Results announcement
PDF (440.7 KB)
Financial statements and notes in Excel spreadsheet format
Excel (120.5 KB)
17 Aug 10: Resolution's interim results for 6 months ended 30 June 2010
Results slides
PDF (261.3 KB)
Audio Webcast
MP3 audio file (73.4 MB)
05 Aug 10: Interim results for 6 months ended 30 June 2010
Results announcement
PDF (1.1 MB)
Financial statements and notes in Excel spreadsheet format
Excel (313.0 KB)
Results slides
PDF(3.2 MB)
11 May 10: Interim management statement - 3 months to 31 March 2010
Results announcement
PDF (149.9 KB)
04 Mar 10: Preliminary results - 12 months ended 31 December 2009
Results announcement
PDF (1.1 MB)
Further information on movement in MCEV economic variances on long-term business
PDF (52.8 KB)
Presentation slides
PDF (974.0 KB)
04 Feb 10: Worldwide long-term savings new business - 12 months to 31 December 2009
Results announcement
PDF (153.8 KB)
2009
04 Nov 09: Interim management statement - 9 months to 30 September 2009
Results announcement
PDF (150.2 KB)
06 Aug 09: Interim results for 6 months ended 30 June 2009
Results announcement
PDF (910.7 KB)
Results slides
PDF (857.8 KB)
27 Apr 09: Interim management statement - 3 months to 31 March 2009
Results announcement
PDF (509.4 KB)
05 Mar 09: Preliminary results - 12 months ended 31 December 2008
Results announcement
PDF (1009.6 KB)
Results slides
PDF (2.4 MB)
04 Feb 09: Adoption of Market Consistent Embedded Value (MCEV) and impact on results
Results announcement
PDF (1.5 MB)
Presentation script
PDF (113.9 KB)
Presentation slides
PDF (2.2 MB)
04 Feb 09: Worldwide long-term savings new business - 12 months to 31 December 2008
Results announcement
PDF (190.3 KB)
Presentation slides
PDF (138.9 KB)
2008
28 Oct 08: Interim management statement - 9 months to 30 September 2008
Results announcement
PDF (486.7 KB)
30 Jul 08: Interim results for 6 months ended 30 June 2008
Results announcement
PDF (1.2 MB)
Results slides
PDF (2.7 MB)
25 Apr 08: Interim management statement - 3 months to 31 March 2008
Results announcement
PDF (88.6 KB)
28 Feb 08: Preliminary results - 12 months ended 31 December 2007
Results announcement
PDF (707.3 KB)
Results slides
PDF (2.7 MB)
06 Feb 08: Worldwide long-term savings new business - twelve months to 31 December 2007
Results announcement
PDF (98.4 KB)
2007
25 Oct 07: Worldwide long-term savings new business - nine months to 30 September 2007
Results announcement
PDF (695.0 KB)
09 Aug 07: Interim results - 6 months ended 30 June 2007
Results announcement
PDF (735.4 KB)
Results slides
PDF (2.0 MB)
24 Apr 07: Worldwide long-term savings new business - three months to 31 March 2007
Results announcement
PDF (204.3 KB)
01 Mar 07: Preliminary results - 12 months ended 31 December 2006
Results announcement
PDF (745.7 KB)
Results slides
PDF (666.5 KB)
06 Feb 07: Worldwide long-term savings new business - twelve months to 31 December 2006
Results announcement
PDF (133.8 KB)
2006
26 Oct 06: Worldwide long-term savings new business - nine months to 30 September 2006
Results announcement
PDF (139.9 KB)
09 Aug 06: Interim results - 6 months ended 30 June 2006
Results announcement
PDF (760.7 KB)
Results slides
PDF (239.6 KB)
27 Apr 06: Worldwide long-term savings new business - three months to 31 March 2006
Results announcement
PDF (148.3 KB)
02 Mar 06: Preliminary results - 12 months ended 31 December 2005
Results announcement
PDF (635.2 KB)
Results slides
PDF (518.0 KB)
07 Feb 06: Worldwide long-term savings new business - twelve months to 31 December 2005
Results announcement
PDF (101.9 KB)
2005
27 Oct 05: Worldwide long-term savings new business - nine months to 30 September 2005
Results announcement
PDF (188.4 KB)
11 Aug 05: Interim results - 6 months ended 30 June 2005
Results announcement
PDF (486.7 KB)
Results slides
PDF (1.3 MB)
05 Jul 05: Aviva releases its full year 2004 results restated in accordance with IFRS
Results announcement
PDF (113.7 KB)
Results announcement including Auditors opinion
PDF (459.7 KB)
28 Apr 05: Worldwide long-term savings new business - three months to 31 March 2005
Results announcement
PDF (350.8 KB)
09 Mar 05: Preliminary results - 12 months ended 31 December 2004
Results announcement
PDF (539.5 KB)
Aviva brings together Norwich Union Insurance and RAC
PDF (230.1 KB)
Full slide presentation including RAC announcement
PDF (948.5 KB)
Results slides
PDF (245.7 KB)
16 Feb 05: RAC plc 2004 Preliminary results statement
Results announcement
PDF (80.2 KB)
Results presentation
PDF (272.3 KB)
25 Jan 05: Worldwide long-term savings new business - twelve months to 31 December 2004
Results announcement
PDF (82.1 KB)
2004
29 Oct 04: Worldwide long-term savings new business - 9 months to 30 September 2004
Results announcement
PDF (88.3 KB)
04 Aug 04: Interim results - 6 months ended 30 June 2004
Results announcement
PDF (354.7 KB)
Results slides
PDF (354.7 KB)
28 Jul 04: RAC plc 2004 Interim results statement
Results announcement
PDF (93.5 KB)
Results presentation
PDF (238.0 KB)
05 May 04: Worldwide long-term savings new business - 3 months to 31 March 2004
Results announcement
PDF (185.6 KB)
25 Feb 04: Preliminary results - 12 months ended 31 December 2003
Results announcement
PDF (356.9 KB)
Results slides
PDF (909.8 KB)
25 Feb 04: RAC plc 2003 Preliminary results statement
Results announcement
PDF (105.2 KB)
Results presentation
PDF (266.2 KB)
20 Jan 04: Worldwide long-term savings new business - year to 31 December 2003
Results announcement
PDF (555.3 KB)
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