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Review of the Year
- The new shape of Friends Provident
- Financial Key Performance Indicators summary
- Executive Chairman's Statement
- The change in strategy explained
- Financial Key Performance Indicators
- Operational Review
- Key Risks
- Summary and outlook
- Financial Review
Corporate Governance
- Corporate Responsibility Report
- Board of Directors
- Executive Management
- Directors' Report for 2007
- Corporate Governance and Committee Reports
Financial Statements
- IFRS Financial Statements
- Independent Auditor's Report
- Consolidated income statement
- Consolidated underlying profit
- Consolidated balance sheet
- Consolidated statement of recognised income and expense
- Consolidated cash flow statement
- Notes to the consolidated accounts
- 1. Accounting polices
- 2. Use of estimates, assumptions and judgements
- 3. Segmental information
- 4. Net earned premiums
- 5. Investment income
- 6. Net claims and benefits paid
- 7. Acquisition expenses
- 8. Administrative and other expenses
- 9. Employee remuneration
- 10. Staff pension schemes
- 11. Share based payments
- 12. Finance costs
- 13. Taxation
- 14. Appropriations of profit
- 15. Earnings per share
- 16. Intangible assets
- 17. Property and equipment
- 18. Investment properties
- 19. Principal Group undertakings
- 20. Investments in associates and joint venture
- 21. Financial assets
- 22. Deferred acquisition costs
- 23. Reinsurance assets
- 24. Deferred tax assets and liabilities
- 25. Insurance and other receivables
- 26. Cash and cash equivalents
- 27. Terms and conditions of insurance and investment contracts
- 28. Insurance contracts
- 29. FPLP's With-Profits Balance Sheet
- 30. Capital
- 31. Risk management objectives and policies for mitigating risks
- 32. Investment contracts
- 33. Loans and borrowings
- 34. Net asset value attributable to unit holders
- 35. Provisions
- 36. Insurance payables, other payables and deferred income
- 37. Movement in capital and reserves
- 38. Share capital and share premium
- 39. Other reserves
- 40. Step-up Tier one Insurance Capital Securities
- 41. Contingent liabilities and commitments
- 42. Business combinations
- 43. Directors' shareholdings
- 44. Related parties
- 45. Post balance sheet events
- EEV Supplementary Information
- Statement of directors' responsibilities
- Independent Auditor's report
- Summary consolidated income statement
- Consolidated statement of recognised income and expense
- Consolidated movement in ordinary shareholders' equity
- Consolidated balance sheet
- Notes to the EEV results
- 1. Methodology
- 2. Segmental analysis
- 3. Life & Pensions EEV profit
- 4. Non-recurring items
- 5. Earnings per share
- 6. Intangible assets on an EEV basis
- 7. Reconciliation of movement in pro forma embedded value
- 8. Reconciliation of net worth and value of in-force business for Life & Pensions
- 9. Value of in-force Life & Pensions business on an EEV basis
- 10. Equity attributable to equity holders of the parent
- 11. Maturity profile of Value of In-force (VIF) by proposition
- 12. EEV assumptions
- 13. Sensitivities
- Parent Company Accounts
- Abbreviations and definitions
- Shareholder information