Finance and Capital Management

Our principles and focus Sustainable growth Supportive Trends Our principles for growth Our Focus Global demographic trends An ageing society Lactancy at Share of population aged organd 2017 -31 NORTH AMERICA -19%6 -20%+ LATIN AMERICA 75 Retreat by corporates and governments A widening saving gap Corporates retreat from CB scham gevents defer MEGPRUDENTIAL JAPAN CHINA 27%+++ -11% AUSTRALIA -16% M&GPRUDENTIAL while savers face Ageing population globally Widening savings gap Disciplined 1 leveraging our core competencies 2 Capital-efficient for shareholders Putting cash to work The biggest opportunity a significant In Europe, as of financial assets is still held as cash... Cash as % of p-18 M&GPRUDENTIAL representing a huge untapped potential in the savings market Cash Eur 12.2 == Total €10tn Other EU-28 Cash deposits Other Financial Ass €10tn+ of cash in Europe 3 Profitable no 'loss-leader' approach Responsible 4 Aligned with our core value of care See July 2019 presentation Customer and Distribution Investment Engine Customer and Distribution Transformation Investment Engine Finance and Capital Multi- Develop investment solutions assets tailored to client needs Private Expand sourcing capacity Assets leveraging existing expertise Public Strengthen capabilities in high- Assets value added areas for active mgmt. Retail customers Broaden and digitise proposition Institutional Expand partnership model clients across and outside Europe 17 17

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