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STD LIFE

(SL. GB00B16KPT44 GBX)

Value 202.100

Change Today +0.60

Updated21/05 08:44

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PROFILE

Registered Number	SC286832
Registered Address	Standard Life House 30 Lothian Road Edinburgh EH1 2DH
Phone Number	+44 (0) 131 2709060
Fax Number
Website	http://www.standardlife.com
Activities	Provides life assurance pensions investment managment banking and healthcare insurance products
Country of Register	GB
Currency	GBX
Short Name	STD LIFE
First Day Traded	18/09/2006
Industrial Sector	Life Insurance
Number of shares	2.35b

Key People

Gerry Grimstone	Chairman
David Nish	Chief Executive Officer
Lord Norman Blackwell	Non Executive Director
Sheelagh Whittaker	Non Executive Director
Pierre Danon	Non Executive Director
Keith Skeoch	Director
Jackie Hunt	Financial Director
Colin Buchan	Non Executive Director
Crawford Gillies	Non Executive Director
David Grigson	Non Executive Director
Baroness McDonagh	Non Executive Director
John Paynter	Non Executive Director

Major Shareholders

BlackRock Investment Management (UK) Ltd.	4.85%
Legal & General Investment Management Ltd.	3.58%

Director Deals

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Income Statements £1K

	AR 2007	AR 2008	AR 2009	AR 2010	AR 2011
Fiscal Year End	31/12/2007	31/12/2008	31/12/2009	31/12/2010	31/12/2011
Duration (months)	12	12	12	12	12
Accounting Format	IFRS	IFRS	IFRS	IFRS	IFRS
Sales/Revenue	10,732	-13,187	17,395	18,592	6,794
Premiums Earned	3,646	-2,774	3,467	3,150	3,245
Total Investment Income	2,698	3,040	13,195	14,615	1,985
Realized Gains (Losses)	3,092	-14,767	0	0	0
Other Operating Income	1,296	1,314	733	827	1,564
Losses, Claims & Reserves	7,269	-11,357	15,387	14,815	5,849
Losses, Benefits & Adjustments	7,532	6,571	5,388	4,894	5,625
Long Term Insurance Reserves	-263	-17,928	9,999	9,921	224
Selling, General & Administrative Expenses & Other	1,898	-3,852	1,124	2,206	341
Selling, General & Administrative Expenses	1,881	-3,872	1,503	2,157	2,423
Other Selling, General & Admin. Expense	1,297	1,284	1,503	1,491	1,524
Underwriting & Commissions	584	-5,156	0	666	899
Other Operating Expense	17	20	-379	49	-2,082
Operating Income Before Interest Expense	1,565	2,022	884	1,571	604
Interest Expense, Net of Interest Capitalized	785	768	115	113	116
Interest Expense (excl. Interest Capitalized)	785	768	115	113	116
Interest Capitalized	0	0	0	0	0
Operating Income After Interest Expense	780	1,254	769	1,458	488
Non-Operating Income (Expense)	300	639	-304	-420	432
Interest Income	0	0	0	0	0
Miscellaneous Non Operating Expense	119	538	-275	-444	381
Equity in Affiliates (Pretax)	181	101	-29	24	51
Reserves Increase (Decrease)	-247	-184	-21	0	0
Unusual Expense	707	2,553	67	67	325
Pretax Income	620	-476	419	971	595
Income Taxes	44	-493	281	498	249
Income Tax - Current - Domestic	251	272	0	259	279
Income Tax - Current - Foreign	22	19	0	42	31
Income Tax - Deferred - Domestic	-229	-784	0	197	-61
Income Tax - Deferred - Foreign	0	0	0	0	0
Income Tax Credits	0	0	0	0	0
Minority Interest Expense	111	-83	-33	61	48
Equity in Affiliates	0	0	0	0	0
Other After Tax Income (Expense)	0	0	0	0	0
Net Income	465	100	171	412	298
Extraordinaries & Discontinued Operations	0	0	42	20	0
Extra Items & Gain/Loss Sale Of Assets	0	0	0	0	0
Cumulative Effect - Accounting Chg	0	0	0	0	0
Discontinued Operations	0	0	42	20	0
Net Income After Extraordinaries	465	100	213	432	298
Preferred Dividends	0	0	0	0	0
Net Inc. Avail. To Common - Basic	465	100	171	412	298
Operational EPS	44.09	86.56	9.89	20.41	22.81
EPS (basic)	21.70	4.60	9.70	19.30	13.00
EPS (diluted)	21.36	4.59	7.76	18.33	12.93

Balance Sheet £1K

	AR 2007	AR 2008	AR 2009	AR 2010	AR 2011
Fiscal Year End	31/12/2007	31/12/2008	31/12/2009	31/12/2010	31/12/2011
Duration (months)	12	12	12	12	12
Accounting Format	IFRS	IFRS	IFRS	IFRS	IFRS
Cash Only	2,239	2,101	7,436	1,215	1,294
Total Investment Assets	133,622	121,274	117,290	139,150	147,774
Total Fixed Income Securities Investment	50,114	53,755	0	59,735	67,176
Bonds	50,114	53,755	0	60,973	68,270
Redeemable Preferred Stock	0	0	0	0	0
Total Equity Securities Investment	54,497	39,749	0	60,307	58,531
Common Stocks	54,497	39,749	0	60,307	58,531
Non-Redeemable Preferred Stock	0	0	0	0	0
Real Estate Assets	10,646	7,738	7,111	8,410	8,743
Mortgage, Policy & Other Loans	13,056	12,069	2,769	3,136	3,219
Other Investments	5,309	7,963	107,410	7,562	10,105
Premium Balance Receivables	142	140	0	78	98
Net Property, Plant & Equipment	870	740	161	164	160
Investment in Unconsolidated Subs.	4,146	3,098	2,169	3,087	326
Other Assets (incl. Intangibles)	2,374	3,123	12,195	3,259	3,443
Separate & Variable Account Assets	0	0	0	0	0
Deferred Charges	693	892	872	1,190	1,287
Tangible Other Assets	1,612	2,119	11,217	1,934	1,956
Intangible Assets	69	112	106	135	200
Total Assets	143,504	130,904	139,581	147,154	153,305
Insurance Policy Liabilities (Insurance)	66,252	53,855	53,660	55,829	56,357
Insurance Reserves - (Insurance)	65,724	53,099	53,797	55,982	56,414
Unearned Premiums	0	0	0	0	0
Policy Claims	0	0	0	0	0
Other Insurance Liabilities	528	756	-137	-153	-57
Total Debt	8,026	5,431	2,059	2,044	1,356
ST Debt & Current Portion of LTD	1,965	557	195	245	170
Short Term Debt	215	101	0	0	0
Current Portion of LT Debt	1,750	456	195	245	170
Long-Term Debt	6,061	4,874	1,864	1,799	1,186
LT Debt excl. Capital Lease Obligations	6,061	4,874	1,864	1,799	1,186
Capitalized Lease Obligations	0	0	0	0	0
Provision for Risks & Charges	225	64	94	71	115
Deferred Taxes	369	-335	-225	19	-65
Deferred Taxes - Credit	480	93	105	220	145
Deferred Taxes - Debit	-111	-428	-330	-201	-210
Accumulated Minority Interest	391	334	296	335	358
Other Liabilities	64,848	67,720	79,910	84,752	91,013
Deferred Tax Liability-Untaxed Reserves	0	0	0	0	0
Other Liabilities (excl. Deferred Income)	64,508	67,338	79,539	84,370	90,625
Deferred Income	340	382	371	382	388
Total Liabilities	139,831	127,163	135,828	142,916	148,986
Non-Equity Reserves	0	0	0	0	0
Preferred Stock (Carrying Value)	0	0	0	0	0
Redeemable Preferred Stock	0	0	0	0	0
Non-Redeemable Preferred Stock	0	0	0	0	0
Preferred Stock issues for ESOP	0	0	0	0	0
ESOP Guarantees - Preferred Stock	0	0	0	0	0
Common Equity (total)	3,282	3,407	3,457	3,903	3,961
Common Stock Par/Carry Value	217	218	224	228	235
Additional Paid-In Capital/Capital Surplus	792	792	888	976	1,110
Retained Earnings	3,970	3,968	3,879	4,202	4,138
ESOP Debt Guarantee	0	0	0	-21	-19
Cumulative Translation Adjustment/Unrealized For. Exch. Gain	43	202	226	316	281
Revaluation Reserves	4	9	6	5	7
Other Appropriated Reserves	-1,744	-1,782	-1,766	-1,803	-1,791
Unappropriated Reserves	0	0	0	0	0
Treasury Stock	0	0	0	0	0
Total Shareholders' Equity	3,282	3,407	3,457	3,903	3,961
Liabilities & Shareholders' Equity	143,504	130,904	139,581	147,154	153,305

Cash Flow £1K

	AR 2007	AR 2008	AR 2009	AR 2010	AR 2011
Fiscal Year End	31/12/2007	31/12/2008	31/12/2009	31/12/2010	31/12/2011
Duration (months)	12	12	12	12	12
Accounting Format	IFRS	IFRS	IFRS	IFRS	IFRS
Funds from Operations	2,697	2,166	-1,845	-2,420	2,265
Extraordinaries	0	0	0	0	0
Changes in Working Capital	0	0	0	0	0
Net Operating Cash Flow	2,697	2,166	-1,845	-2,420	2,265
Capital Expenditures	250	308	29	64	55
Capital Expenditures (Fixed Assets)	233	285	13	18	15
Capital Expenditures (Other Assets)	17	23	16	46	40
Net Assets from Acquisitions	0	-24	0	-1,291	-41
Sale of Fixed Assets & Businesses	165	147	54	2	0
Purchase/Sale of Investments	-12	-16	-8	-16	-23
Purchase of Investments	-35	-16	-8	-16	-23
Sale/Maturity of Investments	23	0	0	0	0
Other Uses	0	0	0	0	0
Other Sources	0	0	0	1	1
Net Investing Cash Flow	-97	-201	17	-1,368	-118
Cash Dividends Paid - Total	-197	-257	-158	-186	-162
Common Dividends	-197	-257	-158	-186	-162
Preferred Dividends	0	0	0	0	0
Change in Capital Stock	0	0	0	-35	-7
Repurchase of Common & Preferred Stk.	0	0	0	-35	-7
Sale of Common & Preferred Stock	0	0	0	0	0
Proceeds from Stock Options	0	0	0	0	0
Other Proceeds from Sale of Stock	0	0	0	0	0
Issuance/Reduction of Debt, Net	8	58	-8	0	-621
Change in Current Debt	0	0	0	0	0
Change in Long-Term Debt	8	58	-8	0	-621
Issuance of Long-Term Debt	36	64	11	33	5
Reduction in Long-Term Debt	-28	-6	-19	-33	-626
Other Funds	464	-1,080	925	2,497	2,112
Other Uses	-31	-1,080	-35	-56	-65
Other Sources	495	0	960	2,553	2,177
Net Financing Cash Flow	275	-1,279	759	2,276	1,322
Exchange Rate Effect	51	145	-42	2	-45
Miscellaneous Funds	0	0	0	0	0
Net Change in Cash	2,926	831	-1,111	-1,510	3,424
Free Cash Flow	2,267	1,624	-2,016	-2,624	2,088

Analysis Data

	2007	2008	2009	2010	2011
Fiscal Year End	2007-12-31	2008-12-31	2009-12-31	2010-12-31	2011-12-31
Valuation
Market Capitalisation	5,494.98	4,399.15	4,841.57	4,931.32	4,855.61
Price/Earnings	11.65	43.91	22.32	11.19	15.87
Price/Sales	0.50	0	0.27	0.26	0.70
Price/Book Value	1.67	1.29	1.40	1.26	1.23
Price/Cash Flow	2.04	2.03	0	0	2.10
Enterprise Value/EBIT	0	0	0	0	0
Enterprise Value/EBITDA	0	0	0	0	0
Enterprise Value/Sales	1.30	-0.77	0.41	0.39	0.95
Total Debt/Enterprise Value	0.58	0.53	0.29	0.28	0.21
Total Debt/EBITDA	0	0	0	0	0
EPS (basic)	21.70	4.60	9.70	19.30	13.00
EPS (diluted) as stated	21.36	4.59	7.76	18.33	12.93
Profitability
Operating Margin (%)	14.58	0.00	5.08	8.45	8.89
Pretax Margin (%)	5.78	0.00	2.41	5.22	8.76
Net Margin (%)	4.33	0.00	0.98	2.22	4.39
Return on Assets (%)	0.34	0.07	0.13	0.29	0.20
Return on Equity (%)	15.10	2.99	4.98	11.20	7.58
Return on Avg. Total Capital (%)	3.37	0.99	2.38	7.19	5.29
Return on Avg. Invested Capital (%)	5.00	1.13	2.51	7.48	5.49
Efficiency
Revenue/Employee	1.07	-1.32	1.83	2.01	0.77
Total Asset Turnover	0.08	-0.10	0.13	0.13	0.05
Capital Structure
Debt-to-Total Equity (%)	244.55	159.41	59.56	52.37	34.23
Debt-to-Total Capital (%)	70.98	61.45	37.33	34.37	25.50
Debt-to-Total Assets (%)	5.59	4.15	1.48	1.39	0.88
Interest Coverage	0.00	0.00	0.00	0.00	0.00

Market data

Name	Latest	Var
FTSE 100	5,291.67	+0.46%
FTSE 250	10,459.92	+0.27%
DOW INDUSTRIALS	12,369.38(c)	-0.59%
HONG KONG HANG SENG INDIC	18,947.44	-0.02%
Nikkei 225	8,633.89(c)	+0.26%

Name	Latest	Var
MAN GROUP	79.75	+5.91%
VEDANTA	988.00	+3.08%
ROYAL BANK SCOT	20.37	+1.90%
GKN	185.60	+1.70%
IMI	872.50	+1.63%

Name	Latest	Var
POLYMETAL INTL	790.00	-1.13%
LAND SECS.	711.50	-0.84%
TESCO	311.90	-0.57%
BR.LAND	486.10	-0.53%
RANDGOLD RES.	4,868.00	-0.53%

Buys

Name	Latest	Var
AVIVA	264.90(c)	-1.05%
RED EMPEROR RES	14.88(c)	-17.36%
LLOYDS GRP.	25.95(c)	-6.15%
BP	391.95(c)	-1.18%
VODAFONE GRP.	164.30(c)	-0.96%

Sells

Name	Latest	Var
LLOYDS GRP.	25.95(c)	-6.15%
RED EMPEROR RES	14.88(c)	-17.36%
PV CRYSTALOX	9.45(c)	+121.31%
BARCLAYS	176.10(c)	-3.19%
AVIVA	264.90(c)	-1.05%

Selftrade is a trading name and Selftrade® a registered trademark of Talos Securities Limited, which is authorised and regulated by the Financial Services Authority (FSA Register number 208271) and is a member of the London Stock Exchange and PLUS Markets. Talos Securities Ltd is incorporated in England and Wales (Registration No. 4196325, Registered Address: Boatman's House, 2 Selsdon Way, London E14 9LA). VAT No. 629 2807 22.

Data: include Bondscape, Dow Jones, Factset, FTSE, Morningstar. Conditions may apply.

STD LIFE

PROFILE

Key People

Major Shareholders

Director Deals

Income Statements £1K

Balance Sheet £1K

Cash Flow £1K

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