Standard Life published a transcript of its full-year 2025 results presentation attended by Group Chief Executive Officer Andy Briggs and Group Chief Financial Officer Nicolaos Nicandrou, with analysts including Thomas Bateman, Mandeep Jagpal and Andrew Baker asking questions. Management said operating cash generation rose 5% to GBP 1.47 billion and IFRS operating profit increased 15% to GBP 0.95 billion, while solvency cover was 176% and the solvency leverage ratio improved to 33%. Nicandrou said the group generated GBP 0.56 billion of recurring management actions and reiterated guidance for GBP 0.5 billion per year, while also targeting up to GBP 0.2 billion of capital deployment to annuities subject to returns. Briggs said the UK retirement market is GBP 3.6 trillion and projected it could grow 70% over the next decade, and stated the company is using Salesforce-based customer data and targeted support to improve retail retention and engagement. On capital returns, Nicandrou said IFRS equity is not viewed as a constraint on dividends or potential buybacks, citing solvency strength and GBP 5.8 billion of parent company distributable reserves.

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