Management of assets in behalf of other parties for wealth accumulation

Includes subscriptions into Manulife’s WAM business products. It provides a measure of how successful the businesses are at selling products and attracting assets.

Outflows as investors withdraw their invested assets. It provides a measure of how successful the businesses are at retaining assets.

AUMA Roll line item most impacted by the disruptions brought about by external factors such as COVID and US Elections.

Shows what the business wants to achieve

The cost of having assets professionally managed which is usually charged as a % of the invested assets under management.

Shows what the business will likely achieve given the most recent actual results

Three business lines making up Manulife GWAM

Cube source for profit and loss statement actual results

Cube source for Actuals AUM and Flows data

Business analytics service by Microsoft that we use to provide interactive visualizations of our reports.

Answers the question of whether a business firm can meet its current debt obligations with its current assets

How is CEBITDA Margin calculated?

Financial statement analysis technique that shows changes in KPI results over a period of time. It is a useful tool to evaluate the trend situations (ex. Current Year vs Prior Year)

Financial Metrics used by analysts and investors to measure and evaluate the ability of a company to generate income relative to revenue, assets, and operating costs during a specific period of time. IT shows how well a company utilizes its assets and effectively manage its expenses to produce profit.

Retail and Retirement businesses’ share in the expenses of the institutional business for the cost incurred in managing the assets on their behalf.

True or False. Core earnings is a GAAP profitability measure?

What is the usual COVID market disruption impact to net revenue/net spread?

What is the impact of increase in general expenses to core earnings

Increase in redemption impact to net flows

Policy change decrease in commission charge bps for sales transactions >=250,000 impact to net flows

In general, what is the direct impact of lower average AUMA to General Expenses