MANULIFE-S：ManulifeFinancialCorporationManagement'sDiscussion&AnalysisfortheyearendedDecember31,2023.pdf

1、Manulife Financial CorporationManagements Discussion&AnalysisFor the year ended December 31,2023Caution regarding forward-looking statementsFrom time to time,Manulife Financial Corporation(“MFC”)makes written and/or oral forward-looking statements,including in thisdocument.In addition,our representa

2、tivesmay make forward-looking statements orally to analysts,investors,the media and others.Allsuch statements are made pursuant to the“safe harbour”provisions of Canadian provincial securities laws and the U.S.Private SecuritiesLitigation Reform Act of 1995.The forward-looking statements in this doc

3、ument include,but are not limited to,statements with respect to possible share buybacks underour normal course issuer bid,the Companys strategic priorities and targets for its highest potential businesses,net promoter score,straight-through-processing,ongoing expense efficiency,portfolio optimizatio

4、n,core earnings contribution from LTC and VA businesses,employee engagement,its medium-term financial and operating targets,its ability to achieve our financed emissions and absolute scope 1and 2 emissions targets,the estimated timing and amount of state approved future premium increases on our U.S.

5、LTC business,theclosing of the reinsurance transaction in respect of certain legacy blocks and the associated capital release,the closing of the acquisitionof CQS,the impact of changes in tax laws,the probability and impact of LICAT scenario switches,and our journey to net zero,and alsorelate to,amo

6、ng other things,our objectives,goals,strategies,intentions,plans,beliefs,expectations and estimates,and can generally beidentified by the use of words such as“may”,“will”,“could”,“should”,“would”,“likely”,“suspect”,“outlook”,“expect”,“intend”,“estimate”,“anticipate”,“believe”,“plan”,“forecast”,“obje