Aviva is a UK-based multinational insurance company formed in 2000, specializing in general and life insurance, long-term savings, and fund management, with a strong market presence in the UK. In 2015, Aviva pursued significant growth initiatives, including joint ventures in Indonesia and acquisitions in the UK, positioning itself as a leading player in the insurance market. The company aims to enhance cash flow, maintain a strong balance sheet, and offers potential for growth through diversified operations across global markets.

1. prgyaratan1@gmail.com
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2. Who we are ..?????
•Aviva is a British multinational insurance company headquartered in London, United
Kingdom.
•The name of the company upon its formation in May 2000 was CGNU plc. In April 2002 the
company's shareholders voted to change the company name to Aviva .
•Aviva's main activities are the provision of general and life insurance, long-term savings
products and fund management services.
•In the UK, Aviva is the largest general insurer and a leading life and pensions provider.
•Aviva has a primary listing on the London Stock Exchange and is a constituent of the FTSE
100Index.
•The group has around 27,700 employees, 34 million customers and Aviva Investors has
£246 billion assets under management.

3. Revenue £23.728 billion (2015)
Operating income £2.286 billion (2015)
Net income £1.079 billion (2015)

4. Key Facts

5. RECOGNITION

6. How we’ve progressed in 2015
January
Aviva signed a joint venture in Indonesia with PT Astra International Tbk
(Astra), Indonesia’s largest publicly listed company, to create life insurer
Astra Aviva Life.
November
Completed the Initial Public Offering (IPO) of a minority stake in our Turkish
Life JV with Sabancı Group, AvivaSA, valuing the company at TL1.68 billion
(£469 million). Separately, AvivaSA and Akbank agreed to extend their
exclusive bancassurance agreement for another seven years.
December
Announced to acquire Friends Life in the UK. Our focus on the UK is
incredibly important to us. This transaction will create the UK’s leading
insurance, savings and asset management business with 16 million
customers.

7. why investors should choose us ??
•Our aim is to deliver cash flow plus growth and this supports our dividend paying potential.
•Businesses with the potential to produce significant cash flow
•We focus on increasing cash remittances from our business units to the Group centre. Our
excess holding company cash flow is remittances less central spend and debt financing costs.
Standalone, we have a target to more than double our excess holding company cash flow to
£800 million by 2016.
• Our business model gives us significant diversification benefits. The mix of different businesses
reduces the impact on us of market shocks.
• We will maintain our balance sheet strength at an appropriate level to ensure financial
resilience. We will continue to reduce our internal debt level.
•We have businesses in selected growth markets of Europe, such as Poland and Turkey, as well
as South East Asia and China
•Aviva Investors’ flagship range of multi-strategy funds, AIMS, was launched in July 2014
creating an attractive outcomes-based solution for investors, and the potential for significant
growth in our external fund flows.

8. Weekly Share Price (30th Nov to 21th Mar )

9. AVIVA PLC (UK) OCT 2015 to MAR 2016

10. AVIVA PLC (UK) 2013 to 2016

11. AVIVA Operating Profit FY 2014 to 2015

12. Analyst Recommendations

13. Behavioral Psychology
CASE- Aviva and Friends Life rise in first day
as a merged company
The London market has given a warm welcome to Aviva and Friends Life on
their first day of trading as a merged company.
Aviva’s shares rose nearly 2pc in early trading to 566p, making it one of the
biggest risers in the FTSE 100 while the overall index was falling.
Analysts at Barclays were enthusiastic about the merger, switching their
rating from "underweight" to “overweight” on the grounds that Friends has
bolstered Aviva’s capital and reduced its leverage ratio. The analysts had
suspended their coverage once the deal talks were made public, as
Barclays was on the advisory team for Friends Life.
In a research note, they said: “Along with significantly strengthening the
balance sheet immediately, Friends significantly improves the group's cash
generation. Furthermore, we had believed Friends to be an
underappreciated, highly cash generative asset with an over-capitalized
balance sheet, and little gearing."

14. Bibliography
•www.aviva.co.uk/business
•https://en.wikipedia.org/wiki/Aviva
•http://www.ftadviser.com/
•http://www.telegraph.co.uk/finance/newsbysector/banksandfinance
/insurance/11532035/Aviva-and-Friends-Life-rise-in-first-day-as-a-
merged-company
•www.avivainvestors
•www.hl.co.uk/shares/shares-search-results/a/aviva-plc-ordinary-
25p
•https://uk.finance.yahoo.com