Leon Qi's questions to PRUDENTIAL (PUK) leadership • Q1 2023
Question
Asked about the product mix driving future NBP growth, the gap between free surplus and dividend growth targets, and the conditions for considering buybacks or a higher payout.
Answer
Management stated the goal is a balanced product mix, using the current high demand for savings products as an opportunity to acquire new customers for future cross-selling of health and protection products. The CFO explained the 7-9% dividend growth is a near-term ('23-'24) policy that accounts for the $1B strategic investment, which will be reported as a variance to operating free surplus. Buybacks are not a priority as they see ample opportunity to deploy capital for high-return organic growth in Asia and Africa.