Hello, I'm Anil Wadhwani, CEO of Prudential, and I'm delighted to give you an update on our First Half 2024 Results and the progress on the execution of our strategy announced 12 months ago. We are building momentum while addressing known challenges and identifying areas for continued improvement. As a reminder, we set out clear strategic and financial objectives to create shareholder value, driving high-quality sustainable growth and cash returns to our shareholders. Building on the last year's 47% growth rate, our new business profit for the first half grew by 8%, excluding economic effects to 1.5 billion. We are pleased with this performance given we are lapping the strong first half 2023 competitor when the border between Hong Kong and the Chinese mainland reopened. New business profit growth for the first half was high-quality and well diversified. We achieved growth in both health and protection and savings new business profit with bank assurance new business profit increasing by 28%. The benefits of our disciplined focus on quality and sustainability, including product and repricing actions, was evident from the improvement in new business profit margin ex economics. Our large and growing, enforced portfolios supported an encouraging 9% growth in operating profits. Our gross operating free surplus generation was very much in line with our expectations. Driving total shareholder return is a priority for us. This includes ensuring we have the right portfolio mix and that our organic and inorganic investments meet our required rate of return. We are deploying our capital in a disciplined manner, retaining sufficient flexibility to invest in quality new business growth and strategic initiatives, and all while delivering sustainable shareholder returns. Reflecting our robust capital position and in line with our updated capital return framework, we launched a $2 billion buyback program in June to return…

We are now one year into the execution of the strategy we set out last August and are continuing to drive the operating improvements needed to deliver our targeted growth in value and capital generation. We continue to focus on driving quality new business, adding 1.5 billion of new business profits or NBP, up 8% ex-economics despite the elevated half year 2023 comparator. Our balance sheet remains in very good shape with a robust capital position and sufficient flexibility. We’ve continued to deploy capital in line with the high-return allocation priorities we have set out, including at the end of June, announcing a 2 billion share buyback. We remain focused on future capital generation drivers, both in terms of new business and our in-force book. We continue to take meaningful actions to enhance these, including but not limited to, pricing and product actions to move new business capital generation profiles far closer to pre-2023 norms. Our IFRS operating profit grew 9% in the period, and underlying CSM growth remained within our 6% to 9% guided range. Starting from our first quarter 2025 update, we will shift to a traditional embedded value or TEV basis for our embedded value reporting. In the meantime, we will give an indication of TEV comparator results in our remaining 2024 reporting. This starts today by providing an indication of the effects of adopting TEV at the 31 December 2023 balance sheet date, as well as on new business written in that year. Note that our 2027 4.4 billion gross operating free surplus generation objective and our NBP compound growth rate objective of 15% to 20% from 2022 to 2027 are unchanged. Finally, the actions we are taking to improve the quality of our new business, variances, and growth in asset management profits gives me continued…