2021 Results and Financial Review

Rebuild financial strength What have we achieved? £1.9bn external debt reduction Where does that leave us today? Return £4.75bn² capital to shareholders £0.7bn internal loan reduction Plans to de-lever by a further £1bn over time SII debt leverage ratio <30% All footnotes on pages 64-66 Capacity to reinvest for growth FY21 Solvency II cover ratio¹ 244% Efficient capital management framework Attractive and sustainable cash generation AVIVA 7

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