MANULIFE-S：ManulifeFinancialCorporationManagement'sDiscussion&AnalysisfortheyearendedDecember31,2018.pdf

1、Manulife Financial CorporationManagements Discussion&AnalysisFor the year ended December 31,2018Caution 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、tives may make forward-looking statements orally to analysts,investors,the media and others.All such statements are made pursuant to the“safe harbour”provisions of Canadian provincial securities laws and the U.S.PrivateSecurities Litigation Reform Act of 1995.The forward-looking statements in this d

3、ocument include,but are not limited to,statements with respect to the Companys strategicpriorities and 2022 targets for net promoter score,employee engagement,its highest potential businesses,expense efficiency andportfolio optimization;the reduction in the allocation to alternative long-duration as

4、sets in our portfolio asset mix supporting ourlegacy business by mid-2019;and the annual pre-tax run-rate savings to be achieved by the end of 2019,and also relate to,amongother things,our objectives,goals,strategies,intentions,plans,beliefs,expectations and estimates,and can generally be identified

5、 bythe 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 negative thereof)and words and expressions of similar

6、 import,and include statements concerning possible orassumed future results.Although we believe that the expectations reflected in such forward-looking statements are reasonable,suchstatements involve risks and uncertainties,and undue reliance should not be placed on such statements and they should