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Tokyo Investor Day

ROE OF JAPANESE BUSINESS REMAINS HIGHLY ATTRACTIVE (1) 30% 25% 20% 20% 15% 10% 5% 24% 23% 21% 11 Strong ROE prospects even if current macro environment challenges continue 0% 2012 2013 2014 2015 1) Return on Equity (ROE) represents estimates for Japanese Insurance operations on a stand-alone basis after allocation of Division level costs. ROE is based on after-tax adjusted operating income (AOI) excluding market driven and discrete items and reflects an overall effective tax rate for Prudential's ongoing operations for 2015 and former Financial Services Businesses for earlier periods. The average attributed equity excludes accumulated other comprehensive income and is adjusted to remove the impact of foreign currency exchange rate remeasurement. Prudential Tokyo Investor Day 9.15.2016 4
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