× Individuals underestimate their life expectancy × Not many aware of longevity risk × Lacking of popularity and choice of annuity products 22 23 The Alpha Spectrum 24 Asset Location 25 Asset Location and
however by itself not sufficient to make a company thrive for its shareholders. Shareholders and the business sector alike expect a company to have good performance and returns, a balanced relationship with
funding and encouraging companies that contribute to sustainability (from an Environmental and/or Social and/or Governance perspective, “ESG”). For such a role to be played and the market to thrive
public. ESG TRENDS Climate change Water scarcity Tech disruption Healthier lifestyle/longevity Labor scarcity Diversity How does ESG actually affect companies? For illustrative purposes only ESG SHOCKS
to become a key player with double-digit growth and building our organic portfolio towards 2.5mn customers this year. • Enterprise business to thrive with continued digitization trend – Our key
to hedge away longevity risk and can therefore improve the overall efficiency of a retiree’s portfolio. The contribution of an annuity within a total portfolio framework, (ben- efit, risk, and cost
key to help them thrive in this new digital world. • Public school children, adolescents and adult caretakers including parents and teachers in areas where Millicom operates and where there is little or
the second rank, and continues to consistently thrive with the cumulative market share of 2018 at 15.8%. Net marketing margin was within proximity of 2017 levels, although was affected by the
E_1 Legal_FA_2015_12_29-c A HibrWCorpL.1hig A Executive Summary Management Discussion and Analysis For the Quarter Ending September 30, 2018 The Thai economy in the third quarter of 2018 grew at a decelerating rate due to slowdown in external sector and manufacturing production at home. Meanwhile, private consumption which continued to expand was derived mainly from increased expenditures on automobiles. Nonetheless, the business sector remained challenged by new modes of competition, the broade...