Aviva Plc U/Adr (AVVIY) Q4 2025 Earnings Call

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Replay transcript excerpt

WEBVTT 00:00:00.031 -- 00:00:05.217 Okay, good morning everyone and thank you for joining us today for our full year results 00:00:05.217 -- 00:00:06.959 presentation. 00:00:06.959 -- 00:00:12.345 I'll start with a quick update on our 2025 performance and how Aviva will deliver 00:00:12.345 -- 00:00:16.590 today and for the future before Charlotte takes you through the results. 00:00:16.590 -- 00:00:19.032 Then we'll open for questions. 00:00:19.032 -- 00:00:22.056 So let me begin with the key messages. 00:00:22.056 -- 00:00:26.260 Aviva has delivered another outstanding set of results in 2025, 00:00:26.260 -- 00:00:30.271 extending our multi-year track record of delivery. 00:00:30.271 -- 00:00:33.355 We have achieved our 2026 targets 00:00:33.355 -- 00:00:37.140 of full year early and have now raised our ambitions. 00:00:37.140 -- 00:00:42.227 And we have enormous potential to go even further for the longer term. 00:00:42.227 -- 00:00:47.033 We are set up to make the most of the opportunities across the market, whether that's 00:00:47.033 -- 00:00:52.240 with artificial intelligence as technology changes the game, general insurance 00:00:52.240 -- 00:00:56.265 as the importance of scale and brand grows, 00:00:56.265 -- 00:01:01.307 wealth as the market expands with regulatory tailwinds, or in retirement 00:01:01.307 -- 00:01:04.853 for the next wave of pensioners as the UK ages. 00:01:04.853 -- 00:01:08.719 And I'll cover some of these in more detail later. 00:01:08.719 -- 00:01:14.569 So let's get into the numbers, which include the six-month contribution from DirectLine. 00:01:14.569 -- 00:01:19.077 As you can see, it's been a great year. Operating profit rose 25%. 00:01:19.077 -- 00:01:21.337 IFRS return 00:01:21.641 -- 00:01:26.954 on equity increased. And cash ...