Textual descriptions of Graphs.
CSR IN CONTEXT Textual description
RISK: Safeguards customers against financial risks
Products
- Individual protection
- Group protection
- Housing network
- Corporate annuities
- Individual annuities
- General Insurance
£366m protection and annuities Annual Premiums Equivalent (2008: £488m)
4.6m: Total number of customers protected by risk business (2008: 4.4m). Excluding BPA customers.
SAVINGS: Financial planning, savings and investments
Products:
- Unit trusts
- Individual savings accounts (ISAs)
- Investment bonds
- Pensions
- With-profits
£907m Savings Annual Premium Equivalent (2008: 879m)
£54.8bn Total Savings Assets Under Administration (2008: £45.8bn)
INVESTMENT MANAGEMENT: investing on behalf of institutional and retail investors
Products:
- Index funds
- Fixed income
- Actively managed equity funds
- Private equity
- Property
- Risk management solutions
£33.3bn gross new institutional funds received (2008: £3.1bn)
£315bn total funds under management (2008: £24.4bn)
INTERNATIONAL: Selective overseas presence for Risk, Savings and Investment Management
Operating countries
- Established
- The Netherlands
- United States
- France
- Egypt
- New partnerships
£115m international Annual Premium Equivalent (2008: £119m)
£127m IFRD operating profit – international operations (2008: £59m)
Consistent ESG Engagements trend
|
2006 |
2007 |
2008 |
2009 |
| ES Engagements |
28 |
28 |
28 |
25 |
| G Engagements |
100 |
120 |
133 |
136 |
| £BN Fum |
233 |
297 |
264 |
311 |
| FM Bn per engagement Ratio |
1.820 |
2.007 |
1.640 |
1.932 |
2009 Profile of policies (by contract type not value of funds):
| Life |
55 per cent |
| General insurance |
12 per cent |
| Pensions |
12 per cent |
| Investments |
11 per cent |
| CPA |
2 per cent |
| Mortgages |
1 per cent |
Income protection in payment chain causes 2009
| Mental health |
20 per cent |
| Back |
15 per cent |
| Cancer |
10 per cent |
| ME/CDS/FM |
9 per cent |
| Other musculoskeletal |
9 per cent |
| Multiple injuries |
4 per cent |
| Multiple sclerosis |
4 per cent |
| Stroke |
3 per cent |
| Cardiovascular |
3 per cent |
| Stomach/bowel disorder |
3 per cent |
| Neurological disorder |
3 per cent |
| Bones injury/break |
2 per cent |
| Knee |
2 per cent |
| Other with less than 5 claims |
13 per cent |
Breakdown of CI conditions claims and paid 2009
| Cancer |
46.4 per cent |
| TIC |
25.5 per cent |
| Heart attack |
8.3 per cent |
| Stroke |
4.3 per cent |
| Multiple sclerosis |
3.3 per cent |
| CCIC |
2.7 per cent |
| Others with <10 claims |
2.4 per cent |
| Coronary Artery By-pass Surgery |
1.5 per cent |
| PTD |
1.4 per cent |
| Heart valve replacement or repair |
1.1 per cent |
| Parkinsons |
1.1 per cent |
| Benign Brain Tumour |
1.0 per cent |
| Blindness |
1.0 per cent |