Investor Presentaiton

INTERNATIONAL IS WELL CAPITALIZED UNDER MULTIPLE LENSES Capital evaluation through multiple internal lenses, including an economic view, enables navigation of evolving regulatory frameworks • Enterprise Capital Protection Framework to withstand extreme market stresses Solvency Margin Ratios remain strong. Prudential Holdings Japan(2) POJ Gibraltar Life Solvency Margin Ratio, 942% 822% 919% as of March 31, 2018 (1) 1) Based on Japanese statutory accounting and risk management standards applicable to regulatory filing as of March 31, 2018, on a consolidated basis. 2) Prudential Holdings of Japan (PHJ) is the holding company for Japan's operating entities including POJ and Gibraltar Life. Prudential Tokyo Investor Day 9.27.2018 10

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