Insurance service result before reinsurance contracts held Insurance service result before reinsurance contracts held Change in investment contract liabilities Fees from fund management and investment contracts Tax expense attributable to policyholder returns Profit before tax attributable to equity holders Profit before tax attributable to equity holders Tax expense attributable to equity holders Dividend distributions to equity holders during the year Dividend distributions to equity holders proposed after the year end Reinsurance finance expense for reinsurance contracts issued applying the OCI option Receivables and other assets Capital redemption and other reserves Restricted tier 1 convertible notes Core borrowings Operational borrowings Payables and other financial liabilities Net asset value attributable to unit holders Capital redemption and other reserves [member] Restricted tier 1 convertible notes [member] Net actuarial remeasurements on defined benefit pension schemes Net movement in financial investments measured at FVOCI Net insurance finance income/(expense) Shares vested Share buyback Coupon payable in respect of restricted tier 1 convertible notes net of tax relief Movement in third party interests Share-based payments included in capital redemption and other reserves Foreign exchange included in capital redemption and other reserves Capital redemption included in capital redemption and other reserves Hedging reserves included in capital redemption and other reserves Insurance and rensurance finance Financial assets at FVOCI reserves Acquisition of ordinary shares for cancellation Adjustments for net gains on financial investments Adjustments for net (gains)/losses on investment property Adjustments for investment income Adjustments for investments measured at FVOCI Adjustments for investments measured at amortised cost Adjustments for insurance contracts Adjustments for investment contracts Cash utilised in operations Net cash flows from/(utilised in) operations Acquisition of operations, net of cash acquired classified as investing activities Disposal of operations, net of cash transferred classified as investing activities Net cash flows generated/(utilised) from investing activities Purchase of shares under share buyback programme Net cash flows utilised in financing activities Net (decrease)/ increase in cash and cash equivalents Cash and cash equivalents at beginning of period Cash and cash equivalents at end of period Withholding tax included in tax paid UK coporation tax refund Overseas coporate tax refund included in tax paid Description of accounting policy for fiduciary activities Disclosure of principal products Disclosure of balance sheet analaysis Disclosure of long term insurance valuation assumptions Disclosure of IFRS sensitivity analysis Disclosure of management of capital resources Disclosure of investment return Disclosure of restricted tier 1 convertible notes