According to its interim separate financial report, Prudential Vietnam recorded a net profit from investment securities of nearly 1,038 billion dong, 20 times higher than in the first half of the previous year. This amount represents profits from unit-linked funds, including revalued assets.

Unit-linked funds are investment funds managed by insurance companies, where a portion of customer premiums is invested. Unlike traditional insurance, customer account values fluctuate with the fund's asset value and investment performance. Buyers can choose among funds with different risk levels depending on the product.

As of the end of june, these funds held a portfolio of nearly 508,3 million shares, though specific stock codes were not disclosed. Compared to the end of 2025, the number of shares decreased by about 4,5 million units, but their value still increased by nearly 3% to 23.186 billion dong.

Typically, insurance companies use a portion of customer premium revenue to reinvest in financial markets, primarily in bonds, deposits, and stocks. This activity helps companies generate additional profit from idle capital and accumulate resources to meet future claim payment obligations. The proportion and types of assets permitted for investment are restricted by legal regulations to control risks and ensure the company's solvency.

A staff member advising customers on insurance packages. *Photo: Prudential*

Securities investment helped Prudential Vietnam's financial revenue increase by 44% to 6.078 billion dong. The company also gained income from dividends, interest from bonds, deposits, and certificates of deposit. After deducting expenses, financial profit reached nearly 5.697 billion dong, an increase of nearly one and a half times compared to the same period.

Financial activities are supporting Prudential Vietnam's business results as its core business segment declined. Gross premium revenue for this period decreased by 14%, reaching 8.442 billion dong. Investment-linked insurance remained the largest product line with 4.944 billion dong in premiums, despite a 9% decrease compared to the same period. This was followed by hybrid insurance, which saw a sharp 25% drop to 2.372 billion dong.

While revenue declined, claims and other insurance benefits increased by 13% to 8.368 billion dong. Hybrid insurance and investment-linked insurance accounted for the majority, with proportions of 54% and 41% respectively.

Despite this, after-tax profit for the first half of the year still reached 2.347 billion dong, nearly 3.5 times higher than the same period. The company's growth was driven by its financial activities.

Prudential Vietnam is a life insurance company belonging to the UK-based Prudential Group, which began operations in 1999. It is one of the industry's leading companies, serving nearly 2,4 million customers as of the end of the previous year.

As of the end of june, the company had total assets of nearly 196.755 billion dong, with over 182.200 billion dong in financial investment assets. This makes the company a notable institutional investor in the capital market.

Tat Dat