MANULIFE-S：ManulifeFinancialCorporationManagement'sDiscussion&AnalysisfortheyearendedDecember31,2021.pdf

1、Manulife Financial CorporationManagements Discussion&AnalysisFor the year ended December 31,2021Caution 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 expected annual savings relatedto actions taken in 2021,the Companys strategic priorities and 2022 targets and 2025 supplemental goals for net promoter score,straight-through-processing,employee engagement,its highest potential business

4、es,expense efficiency and portfolio optimization,possible share buybacks under our normal course issuer bid(“NCIB”),the impact related to the reinsurance of our legacy U.S.variableannuity block,and also relate to,among other things,our objectives,goals,strategies,intentions,plans,beliefs,expectation

5、s andestimates,and can generally be identified by the use of words such as“may”,“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 negati

6、ve thereof)and words and expressions of similar import,and include statements concerning possible or assumedfuture results.Although we believe that the expectations reflected in such forward-looking statements are reasonable,such statementsinvolve risks and uncertainties,and undue reliance should no