Tokyo Investor Day

HIGH RETURN BUSINESS International Insurance operations generate sustainable high ROE Star & Edison Acquisition ROE (1) 21% 20% 19% 18% 17% 2011 2012 2013 2014 2015 1) Return on equity (ROE) based on after-tax AOI using the effective tax rate applicable to Prudential's overall adjusted operating income for 2015 and that of the former Financial Services Businesses for earlier periods. Based on average attributed equity excluding accumulated other comprehensive income and adjusted to remove the impact of foreign currency exchange rate remeasurement. Prudential Tokyo Investor Day 9.15.2016 5

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