Earnings Call Summary | AVIVA PLC ADR(AVVIY.US) Q4 2023 Earnings Conference
Earnings Call Summary | AVIVA PLC ADR(AVVIY.US) Q4 2023 Earnings Conference
The following is a summary of the Aviva Plc (AVVIY) Q4 2023 Earnings Call Transcript:
以下是英傑華集團（AVVIY）2023年第四季度業績電話會議記錄摘要：
Financial Performance:
財務業績：
Aviva reported a 13% increase in general insurance premiums and net flows of £8.3 billion in their wealth business.
The company observed a 9% growth in operating profit, generating nearly £1.9 billion in cash remittances.
Operating costs decreased by 1% from the previous year despite inflationary pressures.
Aviva achieved £757 million in gross cost savings since 2018 and announced a new profit target of £2 billion by 2026.
The company has returned over £9 billion in capital and dividends to shareholders over the last 3 years.
Their solvency cover ratio stands at 207%, signaling financial stability.
UK and Ireland general insurance premiums rose by 16% to £6.6 billion.
Operating future generations (OFG) increased by 12% to just over £1.7 billion.
Canadian operations reported an 18% increase in operating profit to £399 million.
英傑華報告稱，一般保險保費增長了13％，其財富業務淨流量爲83億英鎊。
該公司的營業利潤增長了9％，產生了近19億英鎊的現金匯款。
儘管面臨通貨膨脹壓力，運營成本仍比上年下降了1％。
自2018年以來，英傑華實現了7.57億英鎊的總成本節約，並宣佈到2026年實現20億英鎊的新利潤目標。
在過去的3年中，該公司已向股東返還了超過90億英鎊的資本和股息。
他們的償付能力覆蓋率爲207％，表明財務穩定。
英國和愛爾蘭的一般保險保費上漲了16％，達到66億英鎊。
運營子孫後代（OFG）增長了12％，達到略高於17億英鎊。
加拿大業務報告稱，營業利潤增長了18％，達到3.99億英鎊。
Business Progress:
業務進展：
The company invested £500 million in enhancing customer experience, expanding their customer base by over 470,000.
Aviva launched Aviva Zero, selling over 0.5 million policies since March 2022.
The acquisitions of the AIG UK protection book, Optiom in Canada and Probitas in the Lloyd's market are expected to attract new customers and boost brand growth.
The company aims to accelerate growth in their general insurance, protection and health, and wealth businesses while focusing on cash generation in their retirement and heritage ventures.
Aviva is also developing its Direct-to-Customer (D2C) platforms and has seen promising early results with its new direct wealth app.
Aviva's acquisition of Probitas, a Lloyd's platform, is anticipated to further their goal of capital-light growth and enhance their corporate and specialty business.
In the advisor platform domain, Aviva was ranked number one by Defaqto, signaling strong business progress.
The company also reported a 9% rise in operating profit and has implemented a refined framework for deploying resources and managing performance across their group.
該公司投資了5億英鎊來增強客戶體驗，將其客戶群擴大了47萬以上。
英傑華推出了英傑華零保單，自2022年3月以來已售出超過50萬份保單。
對AIG英國保護書、加拿大Optiom和勞埃德市場Probitas的收購預計將吸引新客戶並促進品牌增長。
該公司的目標是加速其一般保險、保障和健康以及財富業務的增長，同時專注於在退休和遺產業務中創造現金。
英傑華還在開發其直接面向客戶（D2C）平台，其新的直接財富應用程序取得了令人鼓舞的早期成果。
英傑華對勞埃德平台Probitas的收購預計將進一步推進其輕資本增長的目標，並增強其企業和專業業務。
在顧問平台領域，英傑華被Defaqto評爲第一，這表明業務取得了強勁的進展。
該公司還報告營業利潤增長了9％，並實施了完善的框架，用於在整個集團內部署資源和管理績效。
More details: AVIVA PLC ADR IR
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譯文內容由第三人軟體翻譯。