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Group Chief Executive's statement

An asset managing business

'By anticipating change and moving faster than others, Standard Life is positioned at the forefront of our industry. And we are working with more energy and commitment than ever, to ensure that we stay there.'

Our approach to delivering value

Build valuable customer relationships with leading service and compelling propositions

• Creating capital efficient, innovative products
• Opening new routes to markets
• Leveraging investment management expertise and performance, and
• Driving for operational excellence

Our vision is that we will help our customers around the world feel confident about their future wealth and well-being.

In recent years we have created innovative asset managing products and we are going all-out to make them better. We see opportunities to extend the reach of our business and target lucrative markets with our capital efficient products, thus bringing our expertise to more people around the world. As always, we're working hard to understand what customers want and making sure they get it, so we can build relationships that last for life. By doing what it takes to succeed in today's market, we are growing our business profitably, so we can continue to reward our shareholders.

Creating returns for our shareholders

We are constantly looking for ways to create sustainable, high-quality returns for our shareholders and we have four strategic objectives to help us deliver on this:

• Create capital efficient, innovative solutions
• Open new routes to markets
• Leverage investment management expertise and performance
• Drive for operational excellence.

Group Chief Executive's statement ... continued