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Tokyo Investor Day

MEETING INVESTMENT CHALLENGES IN JAPANESE MACRO ENVIRONMENT Backdrop: Decades-long decline in Japanese interest rates • Negative rates on certain benchmark Japanese government bonds follow Japan monetary stimulus strategies • Limited availability of attractive long-dated Yen fixed income investments Positioning Strong ALM focus • Multi-currency business significantly reduces reliance on Yen-denominated investments Pace and mix of reinvestment flows reduce impact of current market conditions ⚫ Diversified high quality investment portfolio • Products emphasize mortality and expense margins • • Strategies and Opportunities Leverage Prudential's global asset management capabilities Increased emphasis on U.S. dollar products Selective use of non-coupon asset classes to support long-dated liabilities Modest level of investment in U.S. dollar assets hedged to Yen Longer maturity Yen investments; not investing at negative yields Additional capacity to enhance yield through credit allocation Prudential Tokyo Investor Day 9.15.2016 2
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