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- **Strategic Expansion**: JV with Mahindra to enter India insurance market, expected to launch in 12-18 months.\n- **Core Earnings Growth**: Asia (+29% YoY) and Global WAM (+19% YoY) drive 76% of core earnings.\n- **AI-Driven Efficiency**: Global WAM EBITDA margin expands 310bps YoY, book value per share +12%.\n- **Capital Return**: $1.3B returned Q3, 2025 remittances ~$6B.\n- **U.S. Focus**: Behavioral insurance growth without high-risk products.

**【CEO Summary Section】**
- Announced a refreshed enterprise strategy focusing on AI-powered operations, balanced portfolio growth, and entering the India insurance market via a JV with Mahindra (subject to regulatory approval).\n- Highlighted strong quarterly performance: core EPS grew 16% YoY, driven by Asia and Global WAM segments contributing 76% of core earnings.\n- Emphasized disciplined cost management (Global WAM EBITDA margin expanded 310bps YoY) and capital return (2025 remittances ~$6B).\n- New business CSM grew 25% YoY, with each segment exceeding 15% growth, signaling future earnings potential.\n- Targeted investments in Canada and U.S. to sustain scale and growth, while maintaining efficiency (sub-45% expense ratio).\n\n**【CFO Financial Commentary】**\n- Q3 2025 Results: GAAP net income $1.8B, core EPS $1.08 (16% YoY growth).\n- Asia core earnings up 29% YoY, NBV margin 39% (vs. 36.5% prior).\n- Global WAM: Record core earnings (+19% YoY), net outflows $6.2B (U.S. retirement channel headwinds).\n- Canada: APE sales +9%, core earnings +4% YoY.\n- U.S.: APE sales +51% YoY, new business CSM doubles, despite short-term claims volatility.\n- Book value per share +12% YoY to $38.22, returning $1.3B to shareholders.\n\n**【Q&A Highlights】**\n- **India JV**: 12-18 months to launch, leveraging Mahindra's distribution.\n- **Asia Growth**: Hong Kong APE down 5% vs. strong prior, but NBV margin +2.5pts to 39%.\n- **Private Credit**: $4B portfolio (1% of assets), strong performance despite macro risks.\n- **U.S. Strategy**: Focus on behavioral insurance, no return to high-risk products.\n- **Efficiency**: Maintain sub-45% expense ratio via AI-driven cost savings.\n- **India Capital**: $400M over 10 years ($140M first 5 years).

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