Latest results
10 Aug 2022: Interim results - for six months ended 30 June 2022
Watch our 2022 half year results video with Group CEO Amanda Blanc
Transcript
Read Amanda Blanc's 2022 half year results video transcript
Jenny Bruce
Hi, Amanda. Thank you so much for having me here to talk about the results with you today.
How are you?
Amanda Blanc
I'm good, thanks. Jenny, how are you?
Jenny Bruce
I'm really well, thank you. So, are we making the progress that you'd hoped for at this stage of the year?
Amanda Blanc
Well, yeah, I actually think that we are, Jenny. And that is largely due to the fantastic work that's done by you and all of your colleagues at Aviva. And I can't thank them enough for the hard work that they've put in in the first six months of this year.
So, I think if I reflect back over the period, we've made some really strong progress and there’s really good momentum in the business and I think you can see that in the growth, in insurance, the growth in the wealth business and the growth in the retirement business, which I think puts us in a really, really strong position.
We made some difficult decisions two years ago when we refocused the portfolio, but I think you're really starting to see the benefit of those decisions now coming through in the performance of the business.
And we're much better at managing the performance of the business as well. I think the performance culture in the business is really strong.
And so whilst I know we look out at a very difficult macro environment, Aviva is in a very, very good position to be able to work through that and I think we'll come out of that very strongly and I'm very confident about the outlook.
Jenny Bruce
It'd be great to know what the half-year highlights are for you.
Amanda Blanc
So, as I reflect on the first half, I think if we look at the sales performance of the business, that's strong. The operating profit of the business is also up and so that's a strong performance for us. And I put that down to the diversified nature of the business.
We are in a strong competitive position holding as we do number one positions in many of our product lines in the UK, Ireland and Canada.
And of course, the capital position of the business is strong. There are two things to talk about there.
Firstly, today we announced that the interim dividend is in line with the guidance that we gave back in March, and secondly, that we anticipate launching a share buyback with the full year results in March 2023.
And I think, Jenny, this shows the confidence that we have in the business.
Jenny Bruce
So, you've talked about our four strategic priorities. Can you tell me a bit about how we're progressing in each of those?
Amanda Blanc
Yes. So, let's talk about customer first.
So obviously, the customer's at the heart of what we do here at Aviva. We have over 18 and a half million customers across the UK, Ireland and Canada. That's a lot of customers to look after and we take that responsibility very seriously.
You will remember in February of this year there were three storms which happened very quickly in the UK, and we had 19,000 claims from those storms and obviously our customers really needed us at that point and we were there for them, and we were able to actually settle 10% of claims on the first day, which I think is real testament to our colleagues, but also a testament to One Aviva, because our Aviva Canada team were able to step in and help the UK team to make sure that we were able to do that. I was incredibly proud of that.
We've also made over 100 experience improvements to the MyAviva app and to Aviva Connect, which is the broker app. And we have over half a million new registrations on MyAviva in the last 12 months. So, people are engaging more with Aviva, which is obviously good. The reason that's important is if somebody is on and using the MyAviva app, then they're twice as likely to buy another Aviva product.
And the second priority area is growth and we've made great progress there also.
We've grown in insurance, we've grown in wealth and we've grown in retirement, as you can see from the results that we've published today.
So maybe just to sort of delve into a couple of those areas, because we can't just rely on our existing revenue streams, we have to look for new opportunities.
So, in commercial lines, we are expanding our regional underwriting footprint. We've made enhancements to our digital proposition. In Canada we've launched a multinational proposition for national businesses there. And in the wealth business, we've launched some new enhancements to the master trust proposition.
And last week I was really excited when we announced the Azur acquisition because that puts us as number one in the high-net-worth market in the UK.
That and the launch of Aviva Zero where we've now underwritten over 12,000 policies, I think these are all really good proof points which show that Aviva is growing in our traditional areas but also in new revenue areas.
So, our third priority area is efficiency and as you've seen today, our costs are down 2%. So that's really good news.
I think particularly when you look at this very high inflationary environment in which we're operating in, so any cost reduction is clearly going to be tough.
But the good news is that we are on target to meet the 750 million target that we set out in March this year.
We're reducing our IT platforms, simplifying them so that they're not as expensive. And we are also looking at our product set to simplify the number of products that we have. And of course, for us, top quartile efficiency remains our absolute priority across each of the business lines.
And the final area is, of course, around sustainability. And here we're making good progress. But in the last six months where we've really been focusing our attention is on the cost of living crisis. And I think there are three things that we should draw out here. Firstly, we've committed £15 million to support vulnerable businesses and vulnerable people in local communities as they struggle through what is, of course, an incredibly difficult time for them.
The second area is thinking about our customers and ensuring that we can provide them with affordable product propositions as they are making choices during this cost of living crisis.
And finally, our own colleagues, we made an announcement last week of a one-off payment to support 7,000 of our colleagues in this difficult time.
Jenny Bruce
Thank you, Amanda. That's been some great insight.
What are the key messages that you'd like us to take away from today?
Amanda Blanc
So, Jenny, I think to sum up, we would say we've had an excellent start to the year, but we are very conscious of how difficult it is out there. It's really tough.
But we are in a good position because we've got some leading franchises.
If you look at our position across the UK, Ireland and Canada we're in a strong position. And we have a formidable brand.
And the work that we did two years ago in setting the new strategy has put us in a great place to be able to capitalize on that.
So, we have a real confidence that we can deliver Aviva's promise.
So, I guess I just want to finish by saying thank you to all of our colleagues for all the hard work that they've put in for the last six months. I really, really appreciate that.
Jenny Bruce
Thank you so much, Amanda. It's been brilliant talking through with you today.
Amanda Blanc
And thank you. I've really enjoyed it.
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2022
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
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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
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07 May 15: Interim management statement - 3 months ended 31 March 2015
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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
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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
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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
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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
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06 Aug 14: Friends Life's interim results for 6 months ended 30 June 2014
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PDF (2.1 MB)
Results slides
PDF (898.8 KB)
Audio Webcast
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15 May 14: Interim management statement - 3 months ended 31 March 2014
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PDF (171.4 KB)
Financial statements and notes in Excel spreadsheet format
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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
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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
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Results slides
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Audio Webcast
MP3 audio file (47.3 MB)
Financial statements and notes in Excel spreadsheet format
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2013
12 Nov 13: Resolution's interim management statement - 9 months ended 30 September 2013
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PDF (388.5 KB)
07 Nov 13: Interim management statement - 9 months ended 30 September 2013
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PDF (169.8 KB)
Financial statements and notes in Excel spreadsheet format
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13 Aug 13: Resolution's interim results for 6 months ended 30 June 2013
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PDF (2.1 MB)
Results slides
PDF (488.7 KB)
Audio Webcast
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08 Aug 13: Interim results for 6 months ended 30 June 2013
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PDF (1.3 MB)
Results slides
PDF (626.3 KB)
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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
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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
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PDF (319.5 KB)
26 Mar 13: Resolutions's preliminary results for 12 months ended 31 December 2012
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PDF (2.8 MB)
Results slides
PDF (573.9 KB)
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07Mar 13: Preliminary results - 12 months ended 31 December 2012
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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
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2012
15 Nov 12: Resolution's interim management statement - 9 months ended 30 September 2012
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PDF (468.7 KB)
08 Nov 12: Interim management statement - 9 months ended 30 September 2012
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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
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Audio Webcast
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09 Aug 12: Interim results for 6 months ended 30 June 2012
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PDF (1.3 MB)
Financial statements and notes in Excel spreadsheet format
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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
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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
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PDF (361.7 KB)
27 Mar 12: Resolution's preliminary results for 12 months ended 31 December 2011
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PDF (2.6 MB)
Results slides
PDF (474.5 KB)
Audio Webcast
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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
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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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