1、 Helping people secure a life of possibilities Interim Financial Report 2024 Phoenix Group Holdings plc Overview 2 Phoenix Group Holdings plc Interim Report 2024 Overview In this report Overview Group Chief Executive Officers report 3 Business review Delivering cash,capital and earnings 5 Cash 6 Cap

2、ital 7 Earnings 9 Dividend 10 Outlook 10 Risk management Principal risks and uncertainties facing the Group 11 Financials Statement of Directors responsibilities 13 Auditors opinion 14 Condensed consolidated interim financial statements 16 Notes to the condensed consolidated interim financial statem

3、ents 23 Additional information Additional Life company asset disclosures 57 Additional capital disclosures 61 Alternative performance measures 63 Shareholder information 70 Forward looking statements 71 Performance Key performance indicators Other performance indicators Operating Cash Generation Int

4、erim ordinary dividend per share 647m(HY 2023:543m)APM 26.65p(HY 2023:26.0p)Total cash generation IFRS adjusted operating profit 950m(HY 2023:898 1m)REM APM 360m(HY 2023:3132m)APM Solvency II surplus(estimated)IFRS loss after tax 3.5bn(FY 2023:3.9bn)(646)m(HY 2023:(245)m)Group Solvency II shareholde

5、r capital coverage ratio(estimated)IFRS adjusted shareholder equity 168%(FY 2023:176%APM 4.2bn(FY 2023:4.83bn)APM All amounts throughout the report marked with REM are KPIs linked to Executive remuneration.All amounts throughout the report marked with APM are alternative performance measures.Read mo

6、re on page 63.Solvency II leverage ratio 35%(FY 2023:36%)APM 1 HY 2023 includes 450 million remitted from the Life Companies in July 2023.2 Incorporates changes to the Groups methodology for determining adjusted operating profit since HY 2023(see Note 3 to the condensed consolidated interim financia