Sustainability Highlights 2025
Prudential plc Sustainability Highlights 2025
Prudential plc Sustainability Highlights 2025 2
Building inclusive futures in Asia and Africa Strengthening resilience, for every life
Simple and accessible health and financial protection
Responsible investment
Sustainable business
Prudential plc provides life and health insurance and asset management to 18 million customers across 20 markets in Asia and Africa. It is our mission to be the most trusted partner and protector for this generation and generations to come, by providing simple and accessible financial and health solutions. Inclusion underpins our strategy and purpose: the long-term resilience of our customers and our business grows as we strive to broaden access to the insurance and investment solutions that bring peace of mind.
In 2025, we continued to expand access to protection and strengthen community resilience, deepen our responsible investment approach, and embed sustainability across Prudential. We also refreshed our understanding of the most material sustainability topics through our most extensive stakeholder engagement to date.
Recognising the needs of our societies and communities, this report features our continued progress in delivering long-term shareholder value through sustainability. This includes our aspiration to broaden our customer segments with inclusive insurance solutions, our position on investing in lower carbon and inclusive growth in Asia and Africa, and how we are empowering our employees to integrate sustainability principles into their decision-making.
Read the full 2025 Sustainability Report for more on our commitments, progress, and stories of impact.
Prudential plc Sustainability Highlights 2025 3
Delivering real-world impact and long-term resilience
Our purpose: We are Prudential.
For every life, we are partners.
For every future, we are protectors.
Strategic pillars
Sustainability ambition: Delivering real-world impact and long-term resilience
Sustainability pillars that support the business
Enhancing customer experiences
Technology-powered distribution
Transforming health business model
Targets | Deliver a 55% | Commit $6 bn of | Engage with the | Deliver a 25% reduction in our | Ensure 42% of the | All people managers |
For more on how we | reduction in the | Financing the | companies | operational emissions intensity | Group Leadership | to have a |
progressed against | carbon emissions | Transition (FTT) | responsible for | from a 2016 baseline, and abate | Team (GLT) are | sustainability-linked |
our targets in 2025, | intensity of our | portfolio investments | 65% of absolute | the remaining emissions via | women by the end | goal by 2026. |
see page 9 of the | investment portfolio by | by 2030 to support a | emissions in our | offsetting initiatives to become | of 2027. | |
Sustainability | 2030 against our 2019 | lower-carbon future | investment | carbon neutral across our Scope 1 | ||
Report | baseline. | (measured from | portfolio. | and Scope 2 emissions (market- | ||
2024). | based) by 2030. |
Group-wide enablers
Simple and accessible health and financial protection
Developing sustainable and inclusive offerings
Delivering partnerships and digital innovation for health outcomes
Building resilient communities
Responsible investment
Financing a just and inclusive transition
Decarbonising our portfolio
Mainstreaming responsible investments in emerging markets
Sustainable business
Establishing sustainable operations and value chain
Empowering our people
Harnessing thought leadership to shape the agenda
Open-architecture technology platform
Engaged people & high-performance culture
Wealth & investment capabilities
Prudential plc Sustainability Highlights 2025 4
Sustainability highlights
Simple and accessible health and financial protection
Responsible investment
53%reduction in WACI of investment portfolio, based on 2019 baseline
387^
181^
174^
2019 2025 2030
^ Tonnes of CO2e
per million $ revenue
First to launchShariah-compliant Family Takaful product in the Philippines
$1.5 billioncumulative total committed to Financing the
66%of global annual electricity use covered by renewable
energy
3.9+ $16.1 millionin community investment spend (2024: $12.5m)
91%Sustainable business
7,100+employees in our Group head offices and life businesses (which includes all people managers) set at least one sustainability-linked goal in 2025
Transition (FTT) portfolio investments since 2024, against our $6 billion by 2030 target. We committed an additional $400 million in 2025
$6.0bn
$1.5bn
total students impacted by our flagship financial literacy programme Cha-Ching, and over 123,500 teachers trained since 2016
of Eastspring's international funds (SICAV) received
EU SFDR Article 8 status
(2024: 91%)
1.5 millionadditional lives positively impacted in 2025 by Prudence Foundation (via financial literacy, and climate & health
resilience programmes)
38%women in our Group Leadership Team (GLT)
2025: 38%
By 2027: 42%
21%decrease in global absolute Scope 1 and Scope 2 (market-based) greenhouse gas (GHG) emissions compared
to 2024
#
5,810 #
7,335
2024 2025
# Tonnes of CO2e
22inclusive insurance products launched in markets to date
Prudential plc Sustainability Highlights 2025 5
Our material priorities
In 2025, we engaged over 15,000 stakeholders in our most extensive engagement to date, allowing us to prioritise topics that are most material to our financial value and impact.
The results of our materiality assessment feed directly into decision-making at Group and business levels. They inform how we refine our sustainability pillars and focus areas, the targets we set, and the design of frameworks like our Financing the Transition (FTT) and Inclusive Insurance frameworks.
Highest
Financial literacy
Our material topics
Inclusive insurance
Health risks from a changing climate
Protecting customer data and privacy
Investing responsibly
Investing responsibly
Pursuing long-term financial returns while supporting the clean energy transition, considering local energy security and social impact, and integrating biodiversity and nature-related factors (where financially material) to our investment and engagement processes.
Ethical business
Responsible governance practices that instil accountability at every level of the Company, and ensure clarity on expected high standards of behaviour for fundamental issues.
Inclusive insurance
Distributing more affordable and accessible insurance products for underserved customers, potentially unlocking new business opportunities.
Protecting customer data and privacy
Safeguarding customers' personal and financial information from cyber threats, while collecting and using data responsibly.
Impact materiality
In the coming years, we will continue to monitor our material topics and refine our materiality assessment approach to stay aligned with market best practices and addressing stakeholder needs.
Reducing environmental impacts
Digital health innovation
Ethical business
Attracting and developing talent
Health risks from a changing climate
Developing products to help protect customers from heat waves, air pollution, and the spread of diseases (eg malaria).
Reducing environmental impacts
Actively lowering our operational footprint (ie Scope 1 and Scope 2 emissions), such as purchasing renewable power and energy efficiency programmes, to address climate change.
Financial literacy
Helping individuals and communities learn about financial concepts and planning to make informed financial decisions.
Attracting and developing talent
Financial materiality Highest
Supporting professional development and implementing targeted programmes that promote talent and foster a culture of belonging, talent vitality, capability building, and meritocracy for employees.
Digital health innovation
Harnessing technological innovation (eg Artificial Intelligence/AI; wearable devices; telemedicine) to improve the consumer experience.
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Simple and accessible health and financial protection
Spotlight
Approach and targets Progress and milestones in 2025
Prudential's health and financial protection priorities:
We strive to understand how to make protection simple, affordable, available and fair so more people get and stay covered.
We are seeking to apply an inclusive lens to insurance, designing for those left out while offering even more affordable options.
We look to connect every step of the customer journey with trusted technologies and partners to give peace of mind and positive health outcomes.
We are investing in community capability -strengthening financial literacy and climate-health resilience.
Our Inclusive Insurance Framework guides the design of commercially viable products where markets may fail to offer coverage that people can access, afford, or need. We are connecting all steps of the customer journey, to keep prices fair and support better health outcomes, and give our customers peace of mind.
We align our community investment with our business expertise through the Prudence Foundation, focusing on financial literacy and climate-health resilience.
22 inclusive insurance products launched in markets to date
$16.1 million in community investment spend
123,500 teachers trained to deliver our flagship financial literacy programme, Cha-Ching
We launched 22 inclusive products across our markets to date
Our flagship Cha-Ching financial literacy programme has been integrated into the formal school curriculum across the Bicol region in the Philippines.
We are scaling our Climate and Health Resilience Fund to protect vulnerable communities against risks such as extreme heat.
First shariah-compliant Family Takaful product launched in the Philippines
1.5 million positively impacted in 2025 by the Prudence Foundation
3.9+ million total students impacted by Cha-Ching since 2016
Expanding inclusion with the Philippines' first Family Takaful plan
For many Muslim families in the Philippines, conventional insurance remains inaccessible due to conflicts with religious beliefs regarding interest and excessive uncertainty.
This protection gap leaves communities, particularly in the Bangsamoro Autonomous Region, vulnerable to financial shocks. To address this, we launched PRUTerm Lindungi, the country's first Shariah-compliant Family Takaful plan.
Grounded in the Islamic principle of Tabarru (mutual aid), the plan operates as a shared fund where participants pool their contributions to protect one another, replacing traditional risk-transfer premiums with collective solidarity. We designed the offering to be highly accessible, with annual contributions starting from approximately $4.50, ensuring protection is affordable for mass-market adoption.
PRUTerm Lindungi is an example of how a deeper understanding of cultural and community needs can help us design more inclusive solutions, strengthen financial resilience in underserved markets, and create long-term value by reaching more customers who have historically been excluded from protection.
Please refer to page 17 of the Sustainability Report for more information.
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Responsible investmentSpotlight
Approach and targets Progress and milestones in 2025
Prudential's responsible investment priorities:
We are investing for a just, inclusive transition while decarbonising with real-economy impact on emerging markets.
We are directing capital to credible transition and adaptation pathways, pairing returns with shared resilience.
We are reducing portfolio emissions and engage for transition, aligning with net-zero pathways while recognising emerging market realities.
We are helping create more opportunities for responsible investment by sharing tools, improving data, and working with managers and issuers.
Prudential is a long-term investor across Asia and Africa. We invest the premiums our customers entrust to us for the long term, and the resilience of our investments allows us to pay claims and benefits for many generations to come. Our responsible investment approach helps us navigate systemic risks, while investing in a just and inclusive transition in emerging markets.
Target: Deliver a 55% reduction in the carbon emissions intensity of our investment portfolio by 2030, against our 2019 baseline
Target: Commit $6 bn of Financing the Transition (FTT) portfolio investments by 2030 to support a lower-carbon future
Target: Engage with the companies responsible for 65% of absolute emissions in our investment portfolio
In 2025, we augmented our Financing the Transition framework to make climate adaptation and nature-related opportunities explicitly investable. For more details on our approach to unlocking long-term value, see our Defining Nature and Adaptation Investment Opportunities white paper.
On track: We reduced the weighted average carbon intensity (WACI) of our portfolio by 53% against our 2019 baseline
On track: As of 31 December 2025, we have committed $1.5 bn to FTT investments since 2024 through our FTT framework
This is an ongoing annual target, which we have fully met in 2025 for the identified cohort of companies
Lowering a hurdle to nature and climate adaptation investments
Emerging markets are disproportionately exposed to physical climate risks that threaten health, livelihoods, and economic stability.
The development of global standards is more mature in the prevention of climate change, while guidelines of financing protection against its impacts are less established. This makes it challenging for asset owners to invest in essential resilience initiatives like sustainable agriculture with the same rigour applied to renewable energy today.
In response, we published an addendum to our Financing the Transition (FTT) framework, establishing climate adaptation and nature-related solutions as explicitly investable categories alongside decarbonisation. It organises adaptation into five themes, including health and water management, and recognises "nature enablers" like sustainable irrigation.
This framework broadens our investable universe in line with our fiduciary duty, allowing us to back solutions that build long-term economic resilience. By sharing these definitions publicly, we aim to set clearer mandates for asset managers and support regulators in developing regional taxonomies, helping to standardise nature and adaptation finance across the industry.
Please refer to page 24 of the Sustainability Report for more information.
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Sustainable businessApproach and targets Progress and milestones in 2025
Spotlight
Embedding sustainability across
Prudential's priorities as a sustainable business:
We seek to operate a resilient company with a lower environmental footprint and stronger standards, led by our people equipped to build sustainability into decision making.
We are reducing our carbon footprint and strengthening our supply chain, embedding environmental and social expectations into how we do business.
We are looking to embed sustainability into learning, culture, and goals, and equipping every employee to build sustainability into their daily decisions.
We are convening, contributing, and bringing emerging-market perspectives to global conversations.
Sustainability is integrated into how we operate, including decarbonisation roadmaps for business units and tighter control of operational emissions drivers. We also ensure our leaders are accountable for embedding sustainability across the business and equipped with tools and knowledge they need.
Target: Achieve carbon neutrality across Scope 1 and 2 emissions (market-based), via reducing our emissions intensity by 25% from a 2016 baseline, and abating the remaining emissions via carbon offsetting by 2030
Target: Ensure 42% of the Group Leadership Team (GLT) are women by the end of 2027
Target: All people managers to have a sustainability-linked goal by 2026
We collaborated across our local markets to co-develop tailored decarbonisation roadmaps, setting out specific actions to reduce Scope 1 and 2 emissions.
We broadened the range of e-learning courses on sustainability this year, helping people managers to set effective sustainability goals and investment professionals to understand our responsible investment approach.
On track: We have reduced our emissions intensity by 83% from our 2016 baseline, achieving a ratio of 0.38 tCO2e/FTE in 2025. This puts us on track to meet our 2030 target of 1.65 tCO2e/FTE
On track: 38% of GLT members are women
On Track: Over 7,100 employees in our Group head offices and life businesses (which includes all people managers) set at least one sustainability-linked goal in 2025
Prudential
Transforming high-level sustainability targets into daily business decisions requires leaders at every level who understand their specific role in building resilient futures. To bridge the gap between strategy and operational execution, we launched a comprehensive initiative to embed sustainability into our performance framework. We supported this mandate with tailored resources, including persona-based playbooks and a custom internal Artificial Intelligence agent that acts as a sounding board for crafting relevant, high-quality objectives.
The response has been strong, with more than 7,100 employees in our Group head offices and life businesses, which includes all people managers, setting at least one sustainability-linked goal in 2025, demonstrating the widespread engagement towards integrating sustainability into daily business practices. This programme has fostered cross-functional collaboration, and strengthened shared ownership.
The integration of these metrics into individual performance reviews helps us building a workforce that is equipped to apply a sustainability lens to risk and opportunity, strengthening our organisational resilience and ability to deliver long-term value.
Please refer to page 30 of the Sustainability Report for more information.
Prudential public limited company
Incorporated and registered in England and Wales with limited liability
Registered office
10 Old Bailey Road, 5th Floor London
EC4M 7NG
Registered number 1397169 https://www.prudentialplc.com
Principal place of business
13th Floor
One International Finance Centre 1 Harbour View Street
Central Hong Kong
Prudential plc is a holding company, some of whose subsidiaries are authorised and regulated, as applicable, by the Hong Kong Insurance Authority and other regulatory authorities. The Group is subject to a group-wide supervisory framework which is regulated by the Hong Kong Insurance Authority.
Prudential plc is not affiliated in any manner with Prudential Financial, Inc., a company whose principal place of business is in the United States of America or with The Prudential Assurance Company Limited, a subsidiary of M&G plc, a company incorporated in the United Kingdom.
Consultancy and design by Black Sun Global
https://www.blacksun-global.com
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Prudential plc published this content on March 26, 2026, and is solely responsible for the information contained herein. Distributed via Public Technologies (PUBT), unedited and unaltered, on March 26, 2026 at 10:41 UTC.
