MANULIFE-S：ManulifeFinancialCorporationManagement'sDiscussion&AnalysisfortheyearendedDecember31,2022.pdf

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1、Manulife Financial CorporationManagements Discussion&AnalysisFor the year ended December 31,2022Caution 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,expected expense savings in 2023 related to actions taken in 2021,the Companys strategic priorities and2025 targets for its highest potential businesses,net promoter score,straig

4、ht-through-processing,ongoing expense efficiency,portfoliooptimization,employee engagement,its medium-term financial and operating targets,its ability to achieve our financed emissions andabsolute scope 1 and 2 emissions targets,its ability to manage its long-term care and variable annuity blocks of

5、 business to maturity andits ability to secure future premium rate increases in respect of its long-term care policies and also relate to,among other things,ourobjectives,goals,strategies,intentions,plans,beliefs,expectations and estimates,and can generally be identified by the use of words suchas“m

6、ay”,“will”,“could”,“should”,“would”,“likely”,“suspect”,“outlook”,“expect”,“intend”,“estimate”,“anticipate”,“believe”,“plan”,“forecast”,“objective”,“seek”,“aim”,“continue”,“goal”,“restore”,“embark”and“endeavour”(or the negative thereof)and words andexpressions of similar import,and include statements