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1、SUSTAININGHEALTHIER,LONGER,BETTER LIVESENVIRONMENTAL,SOCIAL AND GOVERNANCE REPORT 2021Printed with recycled paper and soy ink.About AIA Group.2Chairmans Statement.5Statement from the Group Chief Executive and President.72021 ESG Highlights.9Our ApproachStakeholder Engagement.12Materiality.13The Key
2、Pillars of Our Strategy.15Addressing Our Material Topics With Our ESG Strategy.16Our Robust Approach To ESG Governance.18AIAs Commitment to Net-Zero.19Health And WellnessIntroduction;Our Approach At A Glance.22Health And Wellness:Approach In Action.25The People At The Heart of Health And Wellness.35
3、Sustainable OperationsIntroduction;Our Approach At A Glance.38Sustainable Operations:Approach In Action.41The People At The Heart of Sustainable Operations.48Sustainable InvestmentIntroduction;Our Approach At A Glance.50Sustainable Investment:Approach In Action.53The People At The Heart of Sustainab
4、le Investment.64People And CultureIntroduction;Our Approach At A Glance.66People And Culture:Approach In Action.69The People At The Heart of People And Culture.79Effective GovernanceIntroduction;Our Approach At A Glance.82Effective Governance:Approach In Action.84The People At The Heart of Effective
5、 Governance.100Our TCFD Report.102Independent Practitioners Limited Assurance Report.114Regulatory And Mandatory Disclosure.116About This Report And Feedback.132CONTENTSAIA Group Limited(the“Company”)and its subsidiaries(collectively“AIA”or“AIA Group”)comprise the largest independent publicly listed
6、 pan-Asian life insurance group.It has a presence in 18 markets wholly-owned branches and subsidiaries in Mainland China,Hong Kong SAR1,Thailand,Singapore,Malaysia,Australia,Cambodia,Indonesia,Myanmar,New Zealand,the Philippines,South Korea,Sri Lanka,Taiwan(China),Vietnam,Brunei,Macau SAR2 and a 49
7、per cent joint venture in India.The business that is now AIA was first established in Shanghai more than a century ago in 1919.It is a market leader in Asia(ex-Japan)based on life insurance premiums and holds leading positions across the majority of its markets.It has total assets of US$340 billion
8、as of 31 December 2021.1 Hong Kong SAR refers to Hong Kong Special Administrative Region.2 Macau SAR refers to Macau Special Administrative Region.AIA meets the long-term savings and protection needs of individuals by offering a range of products and services including life insurance,accident and he
9、alth insurance and savings plans.The Group also provides employee benefits,credit life and pension services to corporate clients.Through an extensive network of agents,partners and employees across Asia,AIA serves the holders of more than 39 million individual policies and over 16 million participat
10、ing members of group insurance schemes.AIA Group Limited is listed on the Main Board of The Stock Exchange of Hong Kong Limited under the stock code“1299”with American Depositary Receipts(Level 1)traded on the over-the-counter market(ticker symbol:“AAGIY”).ABOUT AIA GROUPAbout AIA GroupChairmans Sta
11、tementStatement from the Group Chief Executive and President2021 ESG HighlightsOur ApproachAIAs Commitment to Net-ZeroHealth And WellnessSustainable OperationsSustainable InvestmentPeople And CultureEffective GovernanceOur TCFD ReportIndependent Practitioners Limited Assurance ReportRegulatory And M
12、andatory DisclosuresAbout this Report And FeedbackAIA GROUP LIMITED|Environmental,Social and Governance Report 20212About AIA GroupChairmans StatementStatement from the Group Chief Executive and President2021 ESG HighlightsOur ApproachAIAs Commitment to Net-ZeroHealth And WellnessSustainable Operati
13、onsSustainable InvestmentPeople And CultureEffective GovernanceOur TCFD ReportIndependent Practitioners Limited Assurance ReportRegulatory And Mandatory DisclosuresAbout this Report And Feedback4177Mainland China1919 Hong Kong1931(Today Hong Kong SAR)Singapore1931Thailand1938Th
14、e Philippines1947Malaysia1948Brunei1957Australia1972New Zealand1981Macau 1982(Today Macau SAR)Indonesia1984South Korea1987Taiwan(China)1990Vietnam2000India2001Sri Lanka2012Myanmar2013Cambodia2015ABOUT AIA GROUPOUR BUSINESS.OUR REGION.OUR FOOTPRINT.More than100 YearsProtecting and Serving Asia The La
15、rgest Constituentof The Hong Kong Stock Exchange1 US$340 billionin Total AssetsHolders of More than39 millionIndividual PoliciesOver 16 millionParticipating Members of Group Insurance Schemes Active in 18 Marketsacross Asia Over23,000Employees across Asia2111081 Incorporated an
16、d headquartered in Hong Kong,based on market capitalisation as at 31 December 2021.AIA GROUP LIMITED|Environmental,Social and Governance Report 20213About AIA GroupChairmans StatementStatement from the Group Chief Executive and President2021 ESG HighlightsOur ApproachAIAs Commitment to Net-ZeroHealt
17、h And WellnessSustainable OperationsSustainable InvestmentPeople And CultureEffective GovernanceOur TCFD ReportIndependent Practitioners Limited Assurance ReportRegulatory And Mandatory DisclosuresAbout this Report And Feedback“Our legacy of trust has been built on more than 100 years of operations
18、in Asia.”EDMUND SZE-WING TSE INDEPENDENT NON-EXECUTIVE CHAIRMANAIA GROUP LIMITED|Environmental,Social and Governance Report 20214About AIA GroupChairmans StatementStatement from the Group Chief Executive and President2021 ESG HighlightsOur ApproachAIAs Commitment to Net-ZeroHealth And WellnessSustai
19、nable OperationsSustainable InvestmentPeople And CultureEffective GovernanceOur TCFD ReportIndependent Practitioners Limited Assurance ReportRegulatory And Mandatory DisclosuresAbout this Report And FeedbackContributing to a Sustainable Future in AsiaI am proud to present AIA Groups latest annual En
20、vironmental,Social and Governance(ESG)Report.The title of this years Report Sustaining Healthier,Longer,Better Lives was chosen to embody our purpose-driven focus on ESG,delivering on our Purpose of helping millions of people live Healthier,Longer,Better Lives across Asia through building a more sus
21、tainable business.We are deeply rooted within Asia,and intimately connected to its vast potential and evolving needs.While the region is expected to be responsible for 50 per cent of global GDP and drive 40 per cent of the worlds consumption by 20401,it also faces significant social and environmenta
22、l challenges.Societies are grappling with the social and public health challenges brought on by Covid-19,ageing populations,the rise of non-communicable diseases(NCDs),mental health issues and income inequalities.Furthermore,Asia is highly exposed and particularly vulnerable to the wide-reaching eff
23、ects of climate change2.As the largest pan-Asian life and health insurer,with our legacy of trust,scale and influence,we have a responsibility to help address these challenges and take a leading role in contributing to the sustainable economic and social development of the region.Our legacy of trust
24、 has been built on more than 100 years of operations in Asia.Millions of policyholders across the region have entrusted us to provide them with long-term life and health protection,as well as financial security over multiple generations.We believe firmly that our robust governance culture and sound
25、risk management has provided us with a strong foundation to create tangible value for our customers and for the communities we serve across Asia.We are deeply embedded in the societies in which we operate.Our strength in developing local business leadership provides us first-hand insight into the ev
26、olving needs of our diverse customer base,informing our priorities and supporting our drive for positive impact in the region.We have unquestionable reach through the mobilisation of our more than 23,000 employees,large network of agents,hundreds of partners,numerous joint ventures and millions of p
27、olicyholders.Collectively,they play a significant role in our capacity for supporting physical,mental,environmental,and financial health and well-being in Asia towards a resilient and inclusive future where everyone can thrive.Lastly,as a leading asset owner in Asia,we recognise the influence our in
28、vestment decisions and proactive ESG engagement efforts can have on the region.Whether directly investing in much needed social infrastructure projects or supporting the sustainable transition of Asias economy through sustainability/ESG bonds,we are well-positioned to leverage our large investment p
29、ortfolio and encourage positive change.We believe that the integration of ESG considerations throughout the investment process is fundamental to effectively managing risk and generating sustained returns for our customers.CHAIRMANS STATEMENTTaken together,these three defining characteristics give AI
30、A the ability to deliver meaningful change in Asia.Despite the profound recent challenges globally,we have remained resolutely focused on putting our Purpose into action and serving our customers to the best of our ability.I would like to sincerely thank all our employees,agents and partners in the
31、region and from around the world who support AIA in making Healthier,Longer,Better Lives a reality each day.It is because of them that we can build a resilient and sustainable business and,perhaps just as importantly,encourage others to do the same.In the coming year,I am confident that we will cont
32、inue playing a leading role in shaping a more sustainable future for our industry and our communities.This Report presents the progress and major milestones AIA has made on its ESG transformation in 2021 and sets forth our sustainability ambitions for the future.I am proud of how far we have come in
33、 just the past few years,and I am inspired and energised by where we are headed.Thank you for supporting us on our journey.Sincerely,Edmund Sze-Wing TseIndependent Non-executive Chairman1 McKinsey(2019)2 United Nations Environment Programme(2022)AIA GROUP LIMITED|Environmental,Social and Governance
34、Report 20215About AIA GroupChairmans StatementStatement from the Group Chief Executive and President2021 ESG HighlightsOur ApproachAIAs Commitment to Net-ZeroHealth And WellnessSustainable OperationsSustainable InvestmentPeople And CultureEffective GovernanceOur TCFD ReportIndependent Practitioners
35、Limited Assurance ReportRegulatory And Mandatory DisclosuresAbout this Report And Feedback“Helping people live Healthier,Longer,Better Lives guides everything that we do.”LEE YUAN SIONG GROUP CHIEF EXECUTIVE AND PRESIDENT6AIA GROUP LIMITED|Environmental,Social and Governance Report 2021About AIA Gro
36、upChairmans StatementStatement from the Group Chief Executive and President2021 ESG HighlightsOur ApproachAIAs Commitment to Net-ZeroHealth And WellnessSustainable OperationsSustainable InvestmentPeople And CultureEffective GovernanceOur TCFD ReportIndependent Practitioners Limited Assurance ReportR
37、egulatory And Mandatory DisclosuresAbout this Report And FeedbackSTATEMENT FROM THE GROUP CHIEF EXECUTIVE AND PRESIDENTSustaining Healthier,Longer,Better Lives The responsibility of leading an organisation with over a century of operating history in Asia is both humbling and energising.Our Purpose o
38、f helping people live Healthier,Longer,Better Lives guides us in everything we do,and is inherently linked with considerations for the environment and the societies in which we operate.Sustaining Healthier,Longer,Better Lives is ultimately about delivering on AIAs Purpose through building an equitab
39、le,healthy society for all to grow and thrive,while protecting the environment.Adopting a strategic ESG lens to inform our decision-making as an insurer,investor and as a company is crucial to creating long-term value for all our stakeholders,futureproofing our business and delivering on that purpos
40、e.AIA provides long-term life and health protection and financial security to people and their families.Mobilising our unparalleled reach in Asia to minimise the health and mortality risks faced by our customers and communities enables Healthier,Longer,Better Lives.Keeping people healthier for longe
41、r is not only better for our customers,their families,and our business,but also for society at large as the burden of care on public institutions is eased.For AIA,this is a virtuous cycle,as enabling better health outcomes for our customers and communities also leads to strong commercial results,all
42、owing us to continue to invest in critical initiatives.As a significant asset owner and an investor,AIA seeks sustainable outcomes and aims to secure investment income to deliver on the long-term savings and protection needs of our policyholders.Integrating ESG into the investment process helps us p
43、rotect assets under our stewardship,lowers investment risk and helps us to fulfil obligations to our customers and stakeholders over the long term.As a responsible business,improving environmental performance in our operations,building an empowering and inclusive culture where all our employees and
44、our agents can grow and thrive and ensuring strong and ethical governance contributes to building a resilient and enduring business over the long term.Our ESG Strategy empowers us to deliver long-term value for stakeholders and deliver our Purpose,by addressing our most material ESG topics through a
45、 clear programme of goals,meaningful commitments,and tangible actions.For AIA,therefore,continuing to embed ESG considerations into our business delivers value to all our stakeholders,contributes to our Purpose,and strengthens long-term shareholder value.Measurable Progress in 2021The past year has
46、been one of building on our strengths while taking bold new steps toward advancing our sustainability agenda.I am very proud of our achievements and the passion our people across the region have shown in putting our ESG Strategy into action.We announced the launch of our ESG Strategy in March 2021 b
47、uilt around five core pillars:Health and Wellness,Sustainable Operations,Sustainable Investment,People and Culture and Effective Governance.This was a significant milestone for AIAs sustainability ambition that allowed our Group to further integrate critically important ESG factors into our strategi
48、c decisions,while also better aligning our actions with our Purpose at all levels of the organisation.In 2021,we became one of the largest life and health insurers in the world to commit to achieving net-zero greenhouse gas(GHG)emissions by 2050.To support this pledge and establish a clear roadmap f
49、or reaching this goal we also committed to the Science Based Targets initiative(SBTi),a globally recognised body enabling businesses to set verifiable and transparent emissions reduction targets in line with the latest climate science.Furthermore,following a multi-year analysis of our portfolio,AIA
50、has completed the entire divestment of directly-managed listed equity and fixed income exposure to coal mining and coal-fired power businesses,seven years ahead of our planned schedule.AIA GROUP LIMITED|Environmental,Social and Governance Report 20217About AIA GroupChairmans StatementStatement from
51、the Group Chief Executive and President2021 ESG HighlightsOur ApproachAIAs Commitment to Net-ZeroHealth And WellnessSustainable OperationsSustainable InvestmentPeople And CultureEffective GovernanceOur TCFD ReportIndependent Practitioners Limited Assurance ReportRegulatory And Mandatory DisclosuresA
52、bout this Report And FeedbackSTATEMENT FROM THE GROUP CHIEF EXECUTIVE AND PRESIDENTI am pleased that our efforts and practices were again recognised by a number of independent third parties.MSCI upgraded AIAs ESG rating from A to AA,putting us in their“Leader”ratings range of companies.We were also
53、proud that in this year,building on being ranked in the 2nd percentile of companies in our industry for last two years,Sustainalytics has identified AIA as a top ESG performer out of more than 4,000 companies that they cover in their global universe.As a result of this outstanding work,AIA Group Ltd
54、.received the 2022 Industry Top-Rated Badge as well as a brand new Regional Top-Rated Badge.On the people front,we were recognised in the Forbes Worlds Best Employers list for the third year in a row,while maintaining our top quartile spot in Gallups global financial services and insurance industry
55、benchmark of employee engagement for the fifth consecutive year.Our progress in diversity and inclusion is demonstrated through our status as an inclusive employer of choice for women across the region.As at 31 December 2021,women represent more than half(58 per cent)of our employees and 42 per cent
56、 of our senior leaders.We hold ourselves accountable and take lessons learned from our stakeholders to continuously sharpen how we embed ESG into our business through consistent collaboration,engagement and feedback.Recognition from the industry affirms our progress as we continue to take the right
57、steps to become an even more sustainable and resilient business.Building on Our StrengthAs we continue to mature in this journey,there is still much to do to achieve AIAs aspiration of becoming an ESG leader.Our focus will be to further embed ESG into our culture and operations,strengthen governance
58、 in ESG,and build capacity to keep pace with our ambitious trajectory.Our roots are firmly embedded in Asias history.We are aware of the evolving social and environmental issues faced by our communities and are uniquely placed to address these challenges.I am confident that we will build on our lega
59、cy of trust,together with our unrivalled scale and influence in the region to lead by example and accelerate positive change to deliver long-term shared value for all our stakeholders.I would like to thank all of you for continuing to support us and our purpose-led ambition over the years.We look fo
60、rward to building a more sustainable future with you.With warmest regards,Lee Yuan SiongGroup Chief Executive and PresidentAIA GROUP LIMITED|Environmental,Social and Governance Report 20218Net-Zero Pledged to reach Net-Zero greenhouse gas emissions by 2050SBTiCommitted to the Science Based Targets i
61、nitative(SBTi)to set ambitious emissions reduction targets in line with climate scienceCoal DivestmentAIA has completely divested from coal in our directly-managed listed equity and fixed income exposure,seven years ahead of scheduleESG Rating Scorecard Designed a proprietary ESG Rating Scorecard to
62、 enhance our investment research process covering sustainability mattersUS$8.6 billion and$3.6 billionInvestments in Healthcare and ESG bonds,respectively,representing 100%increase year-over-yearSince 2018,the carbon footprint of our directly-managed listed equity portfolio reduced by31.4%Named In F
63、orbes “Worlds Best Employers”list,in addition to multiple employee engagement and people awards42%women in senior leadership roles Top QuartileIn Gallups global financial services and insurance industry benchmark of employee engagement for a fifth consecutive yearHealth And WellnessSustainable Opera
64、tions*Sustainable InvestmentPeople And CultureEffective Governance100%of all new buildings and redevelopments to be green certifiedCompared to 2018,there has been a reduction of greenhouse gas emissions per employee by 53%77%of our buy,service and claims transactions were submitted digitally reducin
65、g paper usage across our operationsClimate ActionUS$2 trillion total sum assured providedServes the holders ofmore than 39 million and over 16 millionindividual policies and participating group insurance scheme members,respectivelyMore thanUS$16 billion paidin total benefits and claims2021 ESG HIGHL
66、IGHTS*Renamed from Green Operations to better capture the broader nature of ESG in this pillar.100%of Group Board are Independent Non-executive Directors*100%of Group Board committees are chaired by and comprised of Independent Non-executive Directors*Top Rated Performerby Sustainalytics in our indu
67、stry and region for ESG and rated AA in MSCI ESG ratings,an improvement over our previous A ratingNote:All figures are as at 31 December 2021.*Aside from Group Chief Executive and President.About AIA GroupChairmans StatementStatement from the Group Chief Executive and President2021 ESG HighlightsOur
68、 ApproachAIAs Commitment to Net-ZeroHealth And WellnessSustainable OperationsSustainable InvestmentPeople And CultureEffective GovernanceOur TCFD ReportIndependent Practitioners Limited Assurance ReportRegulatory And Mandatory DisclosuresAbout this Report And Feedback9AIA GROUP LIMITED|Environmental
69、,Social and Governance Report 20219About AIA GroupChairmans StatementStatement from the Group Chief Executive and President2021 ESG HighlightsOur ApproachAIAs Commitment to Net-ZeroHealth And WellnessSustainable OperationsSustainable InvestmentPeople And CultureEffective GovernanceOur TCFD ReportInd
70、ependent Practitioners Limited Assurance ReportRegulatory And Mandatory DisclosuresAbout this Report And FeedbackKey ESG Memberships and Supporting CommitmentsKey Index Inclusions and Ratings“ESG integration into our business is fundamental to creating long-term value for all our stakeholders and de
71、livering on our Purpose.”AMITA CHAUDHURY GROUP HEAD OF SUSTAINABILITY2021 ESG HIGHLIGHTS“AIA has become an important thread in the commercial and social history of many markets we have operated in over the last century.We are in a fortunate position where we have tremendous influence,where we can ta
72、ke full advantage of our credibility and platform to positively impact the environment and communities in a meaningful way.”MITCH NEW GROUP GENERAL COUNSEL AND CHAIR OF THE ESG COMMITTEE10AIA GROUP LIMITED|Environmental,Social and Governance Report 2021In this section1.Stakeholder Engagement.122.Mat
73、eriality.133.The Key Pillars of Our Strategy.154.Addressing Our Material Topics With Our ESG Strategy.165.Our Robust Approach to ESG Governance.18AIAs Commitment To Net-Zero.19OUR APPROACHAIA GROUP LIMITED|Environmental,Social and Governance Report 202111About AIA GroupChairmans StatementStatement f
74、rom the Group Chief Executive and President2021 ESG HighlightsOur ApproachAIAs Commitment to Net-ZeroHealth And WellnessSustainable OperationsSustainable InvestmentPeople And CultureEffective GovernanceOur TCFD ReportIndependent Practitioners Limited Assurance ReportRegulatory And Mandatory Disclosu
75、resAbout this Report And FeedbackSTAKEHOLDER ENGAGEMENTOUR APPROACHKey Stakeholder GroupsEngagement PlatformsCustomersListening to our customers is crucial as they provide feedback in the ongoing improvement in our products and service offerings.Customer surveys Welcome calls Customer mobile applica
76、tions Focus groups Feedback from customer buy,service,claim transactionsEmployees and AgentsOur peoples well-being is fundamental to our performance and sustainable growth.We routinely solicit feedback from our employees and agents to ensure we are cultivating an inclusive and fair place to work.Gal
77、lup Q12 Employee Engagement survey Townhalls and other forums Internal employee networks and discussion forums Feedback generated from internal systems and social media Conferences,training,and other talent development programsGovernments and RegulatorsWe work closely with government agencies and re
78、gulators in the markets where we operate,in order to elevate sustainable business practices and to drive change through advocacy and partnerships.Supervisory college Regulatory and other reporting Panel discussions and roundtables Memberships on advisory boards of standard setters Consultations and
79、engagement on ESG issuesInvestorsWe focus on strengthening investor trust and regularly engage with them to communicate our ESG Strategy and progress.This two-way communication between the company and the investment community allows analysts to make informed decisions about AIA.Annual general meetin
80、g Investor roadshows Ratings and inclusion in indices Earnings results and analyst calls Investor conferences,meetings,calls,and correspondence 20%of investor calls in 2021 specific to ESG issuesCommunitiesGiven the breadth and impact of our businesses across Asia,we regularly seek interactions with
81、 society and the public at large in our collective pursuit to enact positive change.Social media interactions Corporate website and other correspondence In-person interactions at corporate locations,hosted events Industry body conferences,training,and other forumsThe success of our ESG Strategy is d
82、ependent on our ability to effectively engage with our stakeholders.Only by understanding the impact of various material topics and recognising the mutual relationships between AIA and its stakeholders can we better identify,anticipate and respond to significant sustainability challenges and opportu
83、nities.The following table outlines AIAs key stakeholder groups and engagement platforms:Robust stakeholder engagement helps AIA identify significant ESG issues,and collect critical inputs to plan for actions we can take to create value for all our stakeholders.Throughout this Report,there are numer
84、ous examples of how we are responding to the sustainability needs and challenges that impact our stakeholders.AIA GROUP LIMITED|Environmental,Social and Governance Report 202112About AIA GroupChairmans StatementStatement from the Group Chief Executive and President2021 ESG HighlightsOur ApproachAIAs
85、 Commitment to Net-ZeroHealth And WellnessSustainable OperationsSustainable InvestmentPeople And CultureEffective GovernanceOur TCFD ReportIndependent Practitioners Limited Assurance ReportRegulatory And Mandatory DisclosuresAbout this Report And FeedbackOUR APPROACHMATERIALITYA materiality assessme
86、nt is the cornerstone of a robust ESG Strategy,as it helps assess an organisations impact on the economy,the environment and society.Through this lens we are better positioned to consider the significance of various ESG factors for AIAs stakeholders,as well as their importance to our business.Given
87、the continuously evolving global and local business environment,a regular review of our most material ESG topics is imperative.This helps to ensure our ESG Strategy will continue to address pertinent ESG-related risks by reducing negative impacts and effectively capturing ESG-related opportunities t
88、o drive meaningful positive impact.A Robust Approach to Materiality AssessmentIn light of our stakeholders shifting priorities and expectations,we undertook an advanced assessment of material topics facing AIA in 2021,which included the consideration of long-term risks and opportunities,as well as t
89、he United Nations Sustainable Development Goals (UN SDGs).Insights from our stakeholders helped identify and prioritise our final list of material topics.Their concerns are addressed throughout the Report.IDENTIFYPRIORITISEEVALUATE AND VALIDATE2.1.3.Research was undertaken to identify a potential li
90、st of material topics,including:ESG megatrends via policies,regulations,and other research AIAs Purpose,goals,and objectives including material topics identified in prior years and other internal analysis Industry standards such as international reporting standards and guidelines,and ESG rating crit
91、eria from rating agencies and other bodies Industry benchmarking material topics of our peers Internal and external stakeholder feedback including feedback from a dedicated ESG employee survey,and investor feedbackMaterial topics were prioritised according to their significance and impact as well as
92、 feedback derived from targeted interviews with senior management which included members of the ESG Committee.The ESG Committee,comprised of two Independent Non-executive Directors(INEDs)of the Board of Directors(the“Board”)in addition to members of the Group Executive Committee,reviewed and validat
93、ed the prioritised list of material topics.In 2021 we also engaged an external consultant to support and challenge our assessment of material topics identified for the Report,who deployed the following process to enhance the scope and depth of our materiality exercise:AIA GROUP LIMITED|Environmental
94、,Social and Governance Report 202113About AIA GroupChairmans StatementStatement from the Group Chief Executive and President2021 ESG HighlightsOur ApproachAIAs Commitment to Net-ZeroHealth And WellnessSustainable OperationsSustainable InvestmentPeople And CultureEffective GovernanceOur TCFD ReportIn
95、dependent Practitioners Limited Assurance ReportRegulatory And Mandatory DisclosuresAbout this Report And FeedbackMaterial TopicsTop Three Material TopicsOther Material TopicsClimate changeHealth and wellness(including financial inclusion and well-being)Sustainable investmentCorporate governanceRisk
96、 managementData privacy and cybersecurityCommunity engagement and investmentDiversity and inclusionEmployee development and managementBusiness ethicsInnovation and digitalisation of products,services and processesSelling practices and product labellingOur Material TopicsWe subsequently analysed each
97、 material topic identified by assessing their impact on AIA as a business,as well as AIAs impact on society and the environment to derive the following top three most material topics in the table below.We believe these topics are central to our ability to operate sustainably while supporting our com
98、munities and the environment.We have also outlined nine other topics that present both risks and opportunities to our business more broadly:Our most material topics in 2020 were:The growing protection gap;Lifestyle-related diseases;and Pollution.Most of the material topics identified in 2021 are con
99、sistent with 2020,with certain regroupings conducted to better align with ongoing trends and enhanced clarity regarding their interconnections.For example,the growing protection gap is now included in health and wellness as it relates to financial inclusion.Lifestyle-related diseases is similarly in
100、cluded in the health and wellness grouping,while pollution is now considered within climate change.The top three material topics identified for 2021 have been prioritised due to their expanding internal and external focus,as well as their rising impact on our business and from our business.Our ESG S
101、trategy is being continually enhanced through the identification of material ESG factors,which improve alignment of our resources and enhance decision-making supporting AIA in the delivery of our Purpose.A summary table linking these material topics with our Strategy and key progress highlights from
102、 2021 is provided on pages 16 and 17.OUR APPROACHMATERIALITYAIA GROUP LIMITED|Environmental,Social and Governance Report 202114About AIA GroupChairmans StatementStatement from the Group Chief Executive and President2021 ESG HighlightsOur ApproachAIAs Commitment to Net-ZeroHealth And WellnessSustaina
103、ble OperationsSustainable InvestmentPeople And CultureEffective GovernanceOur TCFD ReportIndependent Practitioners Limited Assurance ReportRegulatory And Mandatory DisclosuresAbout this Report And FeedbackOUR APPROACHTHE KEY PILLARS OF OUR STRATEGYOur ESG Strategy builds on our Purpose by bringing t
104、ogether a clear programme of goals,commitments and actions to deliver long-term sustainable value for our customers,our shareholders and our communities.Launched in March 2021,our ESG Strategy is built around five pillars:Health and Wellness,Sustainable Operations,Sustainable Investment,People and C
105、ulture and Effective Governance.Together,these pillars of our Strategy contribute to a sustainable and healthier development for Asia,its people and its communities,as well as the planet.Health and Wellness focuses on engaging,inspiring,and delivering better health outcomes,championing financial inc
106、lusion and expanding access to quality care,producing a wider positive impact on society.Sustainable Operations aims to improve the environmental performance of AIAs operations as well as incorporating ESG factors in sourcing considerations.Sustainable Investment delivers long-term value by allocati
107、ng capital to companies that commit to sustainable outcomes,investing for the future and lowering our exposure to the risk of stranded assets in a future low-carbon economy.People and Culture empowers our people to succeed through fostering a learning environment,ensuring equitable and fair processe
108、s for employment and progression and a diverse,inclusive and supportive culture.Effective Governance ensures that AIA continues to operate to the highest standards of business practices,both in terms of its engagement with stakeholders,and how we manage risks.This provides the necessary management o
109、versight,incentives,organisational accountability,data governance systems and transparent reporting to enable us to succeed.AIA GROUP LIMITED|Environmental,Social and Governance Report 202115About AIA GroupChairmans StatementStatement from the Group Chief Executive and President2021 ESG HighlightsOu
110、r ApproachAIAs Commitment to Net-ZeroHealth And WellnessSustainable OperationsSustainable InvestmentPeople And CultureEffective GovernanceOur TCFD ReportIndependent Practitioners Limited Assurance ReportRegulatory And Mandatory DisclosuresAbout this Report And FeedbackOUR APPROACHADDRESSING OUR MATE
111、RIAL TOPICS WITH OUR ESG STRATEGYThe following table summarises how the five pillars of our ESG Strategy align with our material topics and strategic priorities for the business.It also highlights progress made in 2021,as well as how this links to the various UN Sustainable Development Goals.Mapping
112、 our material topics to our ESG Strategy and,ultimately,the UN SDGs is an ongoing work in progress that we are committed to improving going forward.Material Topics ESG Strategy Pillar Strategic Priorities2021 Progress HighlightsUN SDGs Health and wellness Community engagement and investment Innovati
113、on and digitalisation of products,services and processesHealth and Wellness Engage communities across Asia to improve their physical,mental and environmental wellness while championing financial inclusion.Provide greater access to quality care,relevant and timely information,diagnoses,treatment and
114、rehabilitation.Build on our leading integrated health and wellness solutions and reward customers for behavioural improvements.Set target of engaging One Billion people by 2030 Established telemedicine networks with more than 10,000 hospitals and clinics Signed over 1.9 million AIA Vitality and Chin
115、a Wellness Programme members to date AIA Vitality members health data shows improvement in blood pressure levels,cholesterol,and glucose levels Climate change Risk management Innovation and digitalisation of products,services and processesSustainable Operations Ensure that all new buildings and any
116、redevelopments adhere to industry-recognised green building standards.Reduce our carbon footprint,while also measuring and managing the amount of waste produced from our operations.Increase digitalisation and automation to reduce the usage of paper.Encourage improvements in vendors ESG performance.1
117、00%of new buildings and redevelopments to be green certified Committed to achieve net-zero GHG emissions by 2050;also committed to the Science Based Targets initiative Reduction of GHG per employee by 53%,compared with 2018 77%of our buy,service and claims transactions were submitted digitally 90%of
118、 our communications with policyholders were through digital channels 1,200 tonnes of paper saved Plan to engage Tier 1 suppliers on ESG performanceAIA GROUP LIMITED|Environmental,Social and Governance Report 202116About AIA GroupChairmans StatementStatement from the Group Chief Executive and Preside
119、nt2021 ESG HighlightsOur ApproachAIAs Commitment to Net-ZeroHealth And WellnessSustainable OperationsSustainable InvestmentPeople And CultureEffective GovernanceOur TCFD ReportIndependent Practitioners Limited Assurance ReportRegulatory And Mandatory DisclosuresAbout this Report And FeedbackADDRESSI
120、NG OUR MATERIAL TOPICS WITH OUR ESG STRATEGYOUR APPROACHMaterial TopicsESG Strategy Pillar Strategic Priorities2021 Progress HighlightsUN SDGs Sustainable investment Climate change Sustainable Investment Deepen ESG engagement with investee companies.Augment ESG knowledge and capacity among our inves
121、tment analysts through dedicated training initiatives.Broaden portfolio inclusions by specific considerations of green bonds,sustainability bonds,renewable and alternative energy and infrastructure.Enhance portfolio exclusions in consideration of our objective to secure long-term investment outcomes
122、.Continue to carbon footprint our investment portfolio with annual public disclosures and develop emission reduction targets for our portfolio.Designed ESG Rating Scorecard as first step to investment screening Created pool of dedicated investment ESG subject matter experts(SMEs)Submitted inaugural
123、report to the Principles for Responsible Investment(PRI)Invested in renewable energy,green,social and sustainability bonds Completed divestment of directly-managed exposures to coal Committed to net-zero for the investment portfolio Employee development and management Diversity and inclusion Busines
124、s ethics Selling practices and product labellingPeople and Culture Foster a learning culture that supports the development of our people.Promote workplace diversity and advance our culture of innovation and inclusion.Embed a culture of ethical decision-making and strong risk management.Ensure fair,a
125、ccountable and equitable processes for employment,progression and rewards.Developed learning to build future-ready capabilities in our people Set targets for diversity and inclusion 42%of women in senior leadership roles 70 nationalities across AIA Group Received multiple awards including recognitio
126、n from Forbes as an employer of choice and ranked in the top quartile in Gallups global financial services and insurance industry benchmark of employee engagement for the fifth consecutive year Corporate governance Risk management Business ethics Selling practices and product labelling Data privacy
127、and cyber securityEffective Governance Foster business integrity and sound decision-making through a diverse and highly qualified Board.Effectively manage ESG-related risks and opportunities throughout our business.Lead the promotion of ESG best practice across the region.Establish AIA as a global l
128、eader on key ESG indices,ratings and benchmarks.Board and Board committees are chaired by and comprised of Independent Non-executive Directors1 Further embedded ESG-related exposures within enterprise risk management framework Became signatory to UNEP FI Principles for Sustainable Insurance(UN PSI)A
129、chieved ESG Regional and Industry Top Performer rating from Sustainalytics and improved MSCI ESG rating to AA1 Aside from Group Chief Executive and President who is a member of the Board and Board Risk CommitteeAIA GROUP LIMITED|Environmental,Social and Governance Report 202117About AIA GroupChairma
130、ns StatementStatement from the Group Chief Executive and President2021 ESG HighlightsOur ApproachAIAs Commitment to Net-ZeroHealth And WellnessSustainable OperationsSustainable InvestmentPeople And CultureEffective GovernanceOur TCFD ReportIndependent Practitioners Limited Assurance ReportRegulatory
131、 And Mandatory DisclosuresAbout this Report And FeedbackIn 2021,we enhanced ESG governance and reporting structures and processes.These will help oversee and manage key aspects of our ESG Strategy,enabling progress in the roll out of key initiatives as well as monitoring accountabilities and informi
132、ng decision-making.AIAs Board retains ultimate responsibility for the oversight of the Groups risk management activities and will continue to monitor material Group-wide risks,including ESG-related risks and those relating to climate change.Supporting this ESG effort are numerous functional bodies,n
133、amely the ESG Committee,Climate and Net-Zero Steering Committee,and the Group ESG function.ESG CommitteeThe ESG Committee is the overarching governance body responsible for overseeing the Companys ESG Strategy,targets,policies and disclosure.The ESG Committee is responsible for updating the Board on
134、 ESG matters and providing biannual updates on material issues,while ESG risks are also discussed and escalated to the Board through the Risk Committee.It comprises members of our Group Executive Committee and two INEDs of the Board.Alongside two INEDs of the Board,the members of our Group Executive
135、 Committee are as follows:Group Chief Executive and President Group General Counsel Group Chief Financial Officer Group Chief Risk Officer Group Chief Investment Officer Group Chief Human Resources Officer Group Chief Marketing Officer Group Head of Sustainability The ESG Committee also considers ES
136、G research,feedback raised by key stakeholders and reports by rating agencies to provide input on specific ESG issues relevant to the Group.Climate and Net-Zero Steering CommitteeWe are setting up a Net-Zero Steering Committee to support our transition to net-zero.This group will have a specific foc
137、us to oversee the roadmap for Science Based Targets and to monitor accountabilities towards our net-zero 2050 targets across the business,in our investment portfolio as well as in our operations.This committee will report directly to the Group Chief Executive and President,and provide regular update
138、s to the Board.The Group Chief Investment Officer will also have direct oversight of the integration of our net-zero commitment related to the investment portfolio engagement process.There will also be representation from the markets on this committee.Group ESG Function Our Group ESG function plays
139、a key role in delivering on our Group-wide ESG ambition,facilitating,and coordinating the various cross-functional programmes and initiatives required to carry out our ESG Strategy and disclosure efforts.The ESG function,in collaboration with the Group Investment function,also engages with our busin
140、ess units on raising capacity and understanding of ESG issues amongst the leadership team and across the organisation.The Group ESG function is led by the Group Head of Sustainability,who is tasked with leading ESG integration into business operations and culture across markets and functions.OUR APP
141、ROACHAIA GROUP LIMITED|Environmental,Social and Governance Report 202118OUR ROBUST APPROACH TO ESG GOVERNANCEAbout AIA GroupChairmans StatementStatement from the Group Chief Executive and President2021 ESG HighlightsOur ApproachAIAs Commitment to Net-ZeroHealth And WellnessSustainable OperationsSust
142、ainable InvestmentPeople And CultureEffective GovernanceOur TCFD ReportIndependent Practitioners Limited Assurance ReportRegulatory And Mandatory DisclosuresAbout this Report And Feedback In 2021,AIA committed to achieving net-zero GHG emissions by 2050.This pledge is fully aligned with our aim of c
143、reating long-term value for the company and supporting the best interests of all our stakeholders.Furthermore,it is true to our Purpose of helping people live Healthier,Longer,Better Lives.Taking a Science-Based Approach to Becoming a Net-Zero Company AIA has also committed to the Science Based Targ
144、ets initiative(“SBTi”).The SBTi is a global body supporting businesses to set ambitious emissions reduction targets in line with the latest climate science deemed necessary to meet the goals of the Paris Agreement.They will provide independent assessment and validation of AIAs targets and progress r
145、eporting.AIAs Commitment in Action AIA has established a legacy of responsible business practices and trust over more than 100 years of growth across the region,where we have led the industry by example with transparency,robust governance and significant scale.We have applied these same long-standin
146、g principles to driving our sustainability transition and promoting ESG adoption across the industry.These initiatives build on AIAs long-term commitment to sustainability,including engagements with the United Nations Global Compact since 2016,the CDP since 2017,and Climate Action 100+since 2019.AIA
147、 GROUP LIMITED|Environmental,Social and Governance Report 202119AIAS COMMITMENT TO NET-ZEROAbout AIA GroupChairmans StatementStatement from the Group Chief Executive and President2021 ESG HighlightsOur ApproachAIAs Commitment to Net-ZeroHealth And WellnessSustainable OperationsSustainable Investment
148、People And CultureEffective GovernanceOur TCFD ReportIndependent Practitioners Limited Assurance ReportRegulatory And Mandatory DisclosuresAbout this Report And Feedback AIAS COMMITMENT TO NET-ZERO200402050Became a signatory to the UN Principles for Sustainable Insurance(PSI).Completely d
149、ivested entire directly-managed listed equity and fixed income exposure to coal mining and coal-fired power businesses.Committed to net-zero emissions by 2050 and signed up to the SBTi.100%of in-scope investee companies have Science-Based Targets for their organisations.Initiated portfolio analysis
150、and engagement on climate change.One of the first Asian asset owners to carbon footprint listed equity investment portfolio.Joined the Principles for Responsible Investment(PRI).Joined the Climate Action 100+.Set initial near-term Science Based Targets for verification by SBTi.Achieve net-zero.Our C
151、limate Action and Net-Zero Journey201620172018Became a signatory to the UN Global Compact.Confirmed support for the Paris Agreement and launched first Climate Statement.Endorsed the Task Force on Climate-related Financial Disclosures(TCFD).Began reporting on the emissions and energy use arising from
152、 our direct operations.Engaged with CDP.AIA GROUP LIMITED|Environmental,Social and Governance Report 202120In this section1.Introduction.222.Our Approach:At A Glance.223.Health And Wellness:Approach In Action.254.The People At The Heart of Health And Wellness.35HEALTH AND WELLNESS ENABLINGBETTER HEA
153、LTH OUTCOMESAIA GROUP LIMITED|Environmental,Social and Governance Report 202121About AIA GroupChairmans StatementStatement from the Group Chief Executive and President2021 ESG HighlightsOur ApproachAIAs Commitment to Net-ZeroHealth And WellnessSustainable OperationsSustainable InvestmentPeople And C
154、ultureEffective GovernanceOur TCFD ReportIndependent Practitioners Limited Assurance ReportRegulatory And Mandatory DisclosuresAbout this Report And FeedbackIntroductionEnvironmental,health and social issues are closely interconnected1.We believe building resilient,sustainable and healthier futures
155、for individuals and their families across Asia means treating health and wellness holistically.AIA aims to address the needs of our customers by supporting their physical,mental and financial well-being.These factors have become increasingly important with the onset of Covid-19.The pandemic has in m
156、any ways exacerbated existing social and demographic challenges like the rise in non-communicable diseases (NCDs)2,widening income inequality and expanding ageing populations3.It is also putting growing pressure on public services and infrastructure across Asia4.1 AIA Australia(2021)2 World Health O
157、rganization(2021)3 Organisation for Economic Co-operation and Development(2020)4 Asian Development Bank(2022)1Our Approach:At A GlanceAs a leading pan-Asian insurer providing life,health and wellness solutions across the region,AIA is proactively promoting healthy lifestyles and illness prevention.T
158、his relies on active engagement with communities across our vast network,improving access to quality healthcare and continually enhancing our integrated health and wellness solutions to better meet the needs of our diverse customers.2“AIA is focused on engaging communities across the region to impro
159、ve physical,mental and environmental wellness,while championing financial inclusion.”STUART SPENCER GROUP CHIEF MARKETING OFFICEROur Purpose is to help millions of people live Healthier,Longer,Better Lives and our insurance solutions play a significant role in realising this goal.Through the provisi
160、on of better products,improved access to healthcare and encouraging the adoption of healthier lifestyles and inclusive insurance solutions,AIA aims to build more resilient communities in Asia and a better future for all.AIA GROUP LIMITED|Environmental,Social and Governance Report 202122AIA GROUP LIM
161、ITED|Environmental,Social and Governance Report 2021HEALTH AND WELLNESSAbout AIA GroupChairmans StatementStatement from the Group Chief Executive and President2021 ESG HighlightsOur ApproachAIAs Commitment to Net-ZeroHealth And WellnessSustainable OperationsSustainable InvestmentPeople And CultureEf
162、fective GovernanceOur TCFD ReportIndependent Practitioners Limited Assurance ReportRegulatory And Mandatory DisclosuresAbout this Report And FeedbackHEALTH AND WELLNESSStrategic Priorities2021 ProgressLink to SDG Targets1.Engaging Communities Across Asia Engage communities across Asia to improve the
163、ir physical,mental and environmental wellness while championing financial inclusion.We have continued to drive focus and activity across all areas of health and wellness and championed financial inclusion We have reinforced our commitment to communities across Asia by setting ourselves a target to e
164、ngage One Billion People by 2030 to live Healthier,Longer,Better Lives3.8 Achieve universal health coverage,including financial risk protection,access to quality essential healthcare services and access to safe,effective,quality and affordable essential medicines and vaccines for all.8.10 Strengthen
165、 the capacity of domestic financial institutions to encourage and expand access to banking,insurance and financial services for all.10.2 By 2030,empower and promote the social,economic and political inclusion of all,irrespective of age,sex,disability,race,ethnicity,origin,religion or economic or oth
166、er status.2.Improving Access to Quality Healthcare Provide greater access to quality care,relevant and timely information,diagnoses,treatment and rehabilitation.AIA Vitality and AIA China Wellness 11 markets live Number of AIA Vitality and AIA China wellness customers=1.9mTelemedicine 10 markets liv
167、e Telemedicine eligible lives=2.6m Year-on-year increase in the number of consults=73%Personal Case Management 12 markets live Eligible lives=2.9m Year-on-year increase in the number of Personal Case Management(PCM)cases=65%21%diagnosis change1 56%refined treatment plan1 94%customer satisfaction rat
168、e1Regional Health Passport 7 markets live Top 100 upper-tier hospitals in Asia 10,000 providers globally3.4 By 2030,reduce by one third premature mortality from non-communicable diseases through prevention and treatment and promote mental health and well-being.3.8 Achieve universal health coverage,i
169、ncluding financial risk protection,access to quality essential healthcare services and access to safe,effective,quality and affordable essential medicines and vaccines for all.The following approach makes up the Health and Wellness pillar of our ESG Strategy:1 Reported as at Q3 2021AIA GROUP LIMITED
170、|Environmental,Social and Governance Report 202123About AIA GroupChairmans StatementStatement from the Group Chief Executive and President2021 ESG HighlightsOur ApproachAIAs Commitment to Net-ZeroHealth And WellnessSustainable OperationsSustainable InvestmentPeople And CultureEffective GovernanceOur
171、 TCFD ReportIndependent Practitioners Limited Assurance ReportRegulatory And Mandatory DisclosuresAbout this Report And FeedbackStrategic Priorities2021 ProgressLink to SDG Targets3.Building Better Integrated Health and Wellness Outcomes Build on our leading integrated health and wellness solutions
172、and reward customers for behavioural improvements.Health and Wellness Solutions Year-on-year increase in the number of AIA Vitality Customers with either 1 biometric result from unhealthy to healthy OR Vitality age improvement+Personal Case Management Customers with a change in diagnosis or treatmen
173、t optimised1=22.5%A members AIA Vitality Age is their actual age relative to a variety of health factors.Members improved their Vitality Age by an average of 0.49 years since joining the programme 29%of at-risk AIA Vitality members have moved to a healthy BMI range 54%of at-risk AIA Vitality members
174、 have seen their blood pressure levels improve 37%of at-risk AIA Vitality members have seen their cholesterol levels decline 78%of at-risk members have seen their glucose levels reduce 3.4 By 2030,reduce by one third premature mortality from non-communicable diseases through prevention and treatment
175、 and promote mental health and well-being.3.8 Achieve universal health coverage,including financial risk protection,access to quality essential healthcare services and access to safe,effective,quality and affordable essential medicines and vaccines for all.1 AIA Vitality members who have reported th
176、eir data.AIA GROUP LIMITED|Environmental,Social and Governance Report 202124HEALTH AND WELLNESSAbout AIA GroupChairmans StatementStatement from the Group Chief Executive and President2021 ESG HighlightsOur ApproachAIAs Commitment to Net-ZeroHealth And WellnessSustainable OperationsSustainable Invest
177、mentPeople And CultureEffective GovernanceOur TCFD ReportIndependent Practitioners Limited Assurance ReportRegulatory And Mandatory DisclosuresAbout this Report And FeedbackHEALTH AND WELLNESSAcross more than 23,000 employees,millions of individual and group customers,and an extensive network of age
178、nts,bancassurance and wider distribution partners,vendors and stakeholders,we have a powerful opportunity to harness action and produce positive change.Through providing people with protection for their health and financial wellness or motivating them towards healthier living,our impact comes from t
179、he breadth and depth of engagement we have with individuals and communities,as we interact with millions of people in Asia everyday.Tapping into the scale,reach and influence of this network will form a key part of realising our ambition to create a long-lasting impact across society and helping to
180、improve the health of communities whether physical,mental,environmental or financial.Health And Wellness:Approach in Action3Strategic Priority 1 Engaging Communities Across AsiaEngage communities across Asia to improve their physical,mental and environmental wellness while championing financial incl
181、usion.Realising Our Purpose At ScaleAIA One Billion sets a clear goal by 2030 we will have engaged one billion people to help them live Healthier,Longer,Better Lives.To deliver this,we are seeking to drive societal engagement.We will engage,educate,inspire and support communities across Asia to impr
182、ove their physical,mental and financial health and wellness.In so doing,we intend to champion and positively contribute to financial inclusivity and the health of the environment through advice,partnerships,events,community programmes and campaigns.Our AIA One Billion goal is more than an aspiration
183、.It is a plan to which we are committed and backed by metrics to track our progress and measure performance.We have committed to measuring the number of people engaged through AIA One Billion to track our progress,guide our decisions and help us to focus energy where we can make the greatest differe
184、nce.Tracking against our goal will be shared as part of our ESG reporting our first milestone against this will be shared in our 2022 ESG Report(to be published in March 2023)and will be updated annually thereafter.As we track our progress and measure our performance,we will mark the successes and t
185、ell the stories of individuals and communities along the way to demonstrate the tangible impact of these engagements.AIA One BillionMeasuring ProgressEveryone in the AIA community has a role in delivering our Purpose.We aim to empower our employees,agency network,ambassadors,and partners to help ind
186、ividual and corporate customers to improve their health and wellness whilst engaging millions of others in communities throughout the region.In order to deliver our Purpose,our goal reaches beyond our existing customers,services,and products to broader communities across Asia.Through AIA One Billion
187、 we will be measuring the number of people engaged by following a principle-based methodology to measure progress:We have a clear definition of an engagement “a positive action by an individual”.This covers all AIA touchpoints with customers,clients and communities across Asia.We will measure a cumu
188、lative year-on-year number of people engaged.We will review,evolve and enhance our measurement each year,adjusting our approach as required to ensure robust processes and alignment to any changes in our activities that may be necessary.We will seek independent verification where appropriate.AIA GROU
189、P LIMITED|Environmental,Social and Governance Report 202125About AIA GroupChairmans StatementStatement from the Group Chief Executive and President2021 ESG HighlightsOur ApproachAIAs Commitment to Net-ZeroHealth And WellnessSustainable OperationsSustainable InvestmentPeople And CultureEffective Gove
190、rnanceOur TCFD ReportIndependent Practitioners Limited Assurance ReportRegulatory And Mandatory DisclosuresAbout this Report And FeedbackAIA Live 2021:Inspiring Healthier,Longer,Better LivesAIA One Billion aims to engage,educate and inspire communities to live Healthier,Longer,Better Lives.AIA Live
191、was created to help achieve this.Running from August to October 2021,AIAs health and wellness ambassadors,subject matter experts and leading influencers shared perspectives on finding purpose and maintaining physical and mental wellness during the pandemic.On 12 September,12 countries tuned in live,
192、generating 18.8m video views exploring real issues affecting people today,while providing education,motivation and inspiration for our audiences.A recent proprietary study by AIA on the perceptions and understanding of health and wellness in Asia identified that 51%of people associated the environme
193、nt as a critical component of health and wellness,and that a significant proportion(38%)feel helpless to manage the impact of a deteriorating environment.To explore the interrelation of human and planetary health further,AIA Live 2021 included the Environmental Wellness Dialogue,a series of three in
194、spiring and action-oriented online discussions.It hosted a range of experts and varied perspectives exploring questions related to the impacts of environmental change and climate challenges on human health and how best to drive positive action.Widening Financial Inclusivity and Expanding CoverageThr
195、ough AIA One Billion,we are committed to championing financial inclusion.As we seek to understand our individual and corporate customers and the diverse communities we serve,we intend to provide inclusive offerings to support vulnerable members of society.India Initiatives for Poor and Rural Custome
196、rsApproximately 70%of Indias population resides in rural areas.TATA AIA Life partners with various institutions and individuals to provide protection to rural populations,offering life cover,health cover and small savings insurance plans.Between April and October 2021 more than 23%of the total polic
197、ies sourced by TATA AIA Life were made available to rural customers.The specific propositions tailored to this segment of society include:Saat Saath is an affordable endowment and protection Micro Insurance Product for low income individuals.It offers life protection and the return of a specified pe
198、rcentage of the total premiums paid on maturity of the policy.Saral Jeevan Bima is an affordable,term insurance product for low income groups.Riders covering accidental death and disability offer enhanced protection.SIP POS is a guaranteed regular income and endowment savings product.This product pr
199、ovides higher benefits for female customers.Insta Protect is a pre-packaged bundle of critical illness,hospitalisation,accidental disability and death cover with simplified processes and a Return of Premium option for lower income customers.AIA GROUP LIMITED|Environmental,Social and Governance Repor
200、t 202126HEALTH AND WELLNESSAbout AIA GroupChairmans StatementStatement from the Group Chief Executive and President2021 ESG HighlightsOur ApproachAIAs Commitment to Net-ZeroHealth And WellnessSustainable OperationsSustainable InvestmentPeople And CultureEffective GovernanceOur TCFD ReportIndependent
201、 Practitioners Limited Assurance ReportRegulatory And Mandatory DisclosuresAbout this Report And FeedbackHEALTH AND WELLNESSAIA China Total Retirement SolutionsChinas Seventh National Population Census,released in May 2021,showed the share of the population aged 60 or above increased by 5.44%to 18.7
202、%of the countrys total population from 2010 to 2020.Chinas ageing population has emerged as a social issue,there is a lack of income substitution options for retirement and the country relies heavily on government-backed social insurance plans.AIA China launched the“You Zi Zai”total retirement solut
203、ion in July 2021.Designed to address the findings from AIA Chinas first blue paper1,produced in cooperation with the Chinese Academy of Social Science and Tencent News,it served as an important reference for preventing retirement risks.“You Zi Zai”supports retirees in planning and funding as follows
204、:Retirement planning.Established by AIA China in conjunction with Fudan University and the Registered Financial Planner Institute,a Retirement Financial 1 AIA China(2021)Planner training programme has been introduced for AIA agents to address customers retirement planning needs,supplemented with a p
205、roprietary,advanced retirement needs analysis tool.Retirement funding.“You Zi Zai”solutions include a Savings Wallet and a Health Wallet.Customers can personalise their solution by selecting from a menu of options that include savings,medical and long-term care products.“You Zi Zai”is also the first
206、 retirement solution to offer joint life design for individual or family financial planning for retirement.AIA China Total Retirement Solution:A comprehensive retirement savings and health solution helping customers achieve their retirement aspirations.RETIREMENT ECOSYSTEMFully integrated ecosystem
207、to meet pre and post retirement needsRETIREMENT PLANNINGProfessional needs-based retirement adviceDiagnoseTreatPredict/preventSocial&livingRecover/CareQualified and accredited Retirement Planners Intuitive,interactive tools to identify and close protection and retirement income gaps Seamless end-to-
208、end advice and sales processRETIREMENT FUNDINGPersonalised health protection well into retirementPre-funding protection and retirement income+SAVINGS WALLETHEALTH WALLETComprehensive personalised health and care benefitsSeamless digital integrationAIA GROUP LIMITED|Environmental,Social and Governanc
209、e Report 202127About AIA GroupChairmans StatementStatement from the Group Chief Executive and President2021 ESG HighlightsOur ApproachAIAs Commitment to Net-ZeroHealth And WellnessSustainable OperationsSustainable InvestmentPeople And CultureEffective GovernanceOur TCFD ReportIndependent Practitione
210、rs Limited Assurance ReportRegulatory And Mandatory DisclosuresAbout this Report And FeedbackRetirement ecosystem.“You Zi Zai”offers a health and wellness ecosystem addressing pre-retirement and post-retirement needs via a broad network of service providers for the active,inactive and higher depende
211、ncy health stages of ageing.The post-retirement network includes community-based care,retirement institutions and rehabilitation institutions to support an array of retirement lifestyle choices.A retirement concierge service is available for health service planning and service arrangement support.“Y
212、ou Zi Zai”is fully integrated in a smartphone app designed to help customers pursue healthy lifestyles.AIA GROUP LIMITED|Environmental,Social and Governance Report 202128HEALTH AND WELLNESSAbout AIA GroupChairmans StatementStatement from the Group Chief Executive and President2021 ESG HighlightsOur
213、ApproachAIAs Commitment to Net-ZeroHealth And WellnessSustainable OperationsSustainable InvestmentPeople And CultureEffective GovernanceOur TCFD ReportIndependent Practitioners Limited Assurance ReportRegulatory And Mandatory DisclosuresAbout this Report And FeedbackDelivering Innovative Products an
214、d Solutions to Meet Customer NeedsAIA aims to continuously develop propositions to help customers prevent,manage and recover from the array of diseases and conditions that are prevalent today,that have traditionally not been covered by insurers and which affect people not traditionally served by the
215、 insurance industry.This enables our business to expand into new markets and communities within these markets.Tackling diabetes in Singapore:According to the Singapore Ministry of Health,one in three Singaporeans faces the lifetime risk of developing diabetes1.AIA Singapores Diabetes Care is for pre
216、-diabetics and Type 2 diabetics aged 30 to 65 years old.Underpinned by hassle-free underwriting and available with no extra premiums,the plan covers five key diabetes related complications:blindness,kidney failure,stroke,heart attack and coronary artery bypass surgery.Integrated with AIA Vitality,me
217、mbers are motivated to prevent and manage diabetes progression.The proposition also delivers extra pay outs such as an additional 20%payment for amputations as a result of diabetes.1 Government of Singapore(2021)2 Social Welfare Department,Government of HKSAR(2010)Combined coverage for lifestyle-rel
218、ated conditions in Hong Kong:According to Hong Kongs Social Welfare Department,15%of the population(1.15 million Hong Kongers)are living with chronic diseases2.Most are elderly and 48.9%suffer from hypertension and 20%from diabetes.AIA Hong Kongs Metro-Trio Medical and Critical Illness Protection Pl
219、an is the first in the market to offer individuals with diabetes,hypertension and high cholesterol combined medical,critical illness and life protection.The plan is for non-smokers,renewal is guaranteed up to the age of 85 and individuals with average blood sugar levels(as measured by HbA1c)as high
220、as 10%(approximately twice the normal range)are not automatically excluded.Personal case management support is delivered via AIA Hong Kongs exclusive partnership with Medix.AIA Vitality is an integral part of the plan,helping customers in the management of their condition and rewarding them with upf
221、ront premium discounts.21AIA GROUP LIMITED|Environmental,Social and Governance Report 202129HEALTH AND WELLNESSAbout AIA GroupChairmans StatementStatement from the Group Chief Executive and President2021 ESG HighlightsOur ApproachAIAs Commitment to Net-ZeroHealth And WellnessSustainable OperationsSu
222、stainable InvestmentPeople And CultureEffective GovernanceOur TCFD ReportIndependent Practitioners Limited Assurance ReportRegulatory And Mandatory DisclosuresAbout this Report And FeedbackHEALTH AND WELLNESS1 New Straits Times(2020)AIA Vitality Covid-19 vaccine incentives:AIA introduced an incentiv
223、e in early 2021 where AIA Vitality members can earn an additional 1,000 to 2,000 AIA Vitality points when they submit proof of Covid-19 vaccination.As of December 2021,a total of 149,549 AIA Vitality members submitted proof of Covid-19 vaccination.Growing Takaful Coverage In Malaysia:Studies suggest
224、 more than 50%of Malaysians are still without life insurance coverage1,caused by a lack of awareness on protection solutions and knowledge.AIA PUBLIC in Malaysia serves the Takaful segment and launched the“A-Life Legasi Builder”which is a Family Takaful plan to help Takaful customers to build a last
225、ing legacy by ensuring their loved ones are taken care.A-Life Builder is the Hibah(gift)to a persons loved ones,providing multiple forms of protection upon death including accelerated Total and Permanent Disability and accidental benefits(during Hajj/Umrah,public conveyance,natural disaster)up to 60
226、0%of the basic coverage amount.With A-Life Legasi Builder,customers are contributing to their legacy planning and will receive support towards achieving their financial goals with increased savings through Legasi Rewards,Legasi Booster and Maturity Booster.AIA PUBLIC also helps customers to create a
227、 better legacy by staying healthy with AIA Vitality with Vitality Booster.35Coverage for Mental Health Conditions:AIA is developing innovative propositions that offer coverage for previously excluded or not fully covered conditions.AIA Hong Kong launched a next generation severity-based health prote
228、ction insurance plan in 2021,“AIA One Absolute”,that offers life insurance and health protection based on the severity of a customers medical journey and the impact to ones life,such that a person starting to exhibit symptoms of dementia will receive a benefit.Mental illness is increasingly being co
229、vered within medical plans when traditionally it was excluded.AIA Malaysias A-Life Lady Plan launched in 2021 covers Psychotherapy with a one-off payment of MYR 5,000.AIA Hong Kongs newly launched VHIS Prestige Plus covers psychiatric treatments during confinement in HK and Macau as recommended by a
230、 specialist up to a maximum of HK$40,000 per annum.6AIA Vitality expansion into new markets:AIA Vitality launched in Indonesia in early 2021 with an integrated Whole of Life Critical Illness plan offering premium discount and annual cash back at renewal based on AIA Vitality member status and an int
231、egrated Investment linked plan with an end of year cash back based on AIA Vitality member status.As at end of December 2021,AIA Indonesia has exceeded their average 3-month engagement target.4AIA GROUP LIMITED|Environmental,Social and Governance Report 202130About AIA GroupChairmans StatementStateme
232、nt from the Group Chief Executive and President2021 ESG HighlightsOur ApproachAIAs Commitment to Net-ZeroHealth And WellnessSustainable OperationsSustainable InvestmentPeople And CultureEffective GovernanceOur TCFD ReportIndependent Practitioners Limited Assurance ReportRegulatory And Mandatory Disc
233、losuresAbout this Report And FeedbackHEALTH AND WELLNESSStrategic Priority 2 Improving Access to Quality HealthcareProvide greater access to quality care,relevant and timely information,diagnoses,treatment and rehabilitation.The customer-centric health and wellness journey that benefits AIA customer
234、sPREVENTTREATRECOVERDIAGNOSEPREDICTAI-symptom checker Health conciergeMedical second opinionRehabilitationHome-based careWellness communityBiomarker measurementRisk assessmentPersonalised wellness contentNutrition programmesPreventative screeningsFitness programmesChronic disease managementTeleconsu
235、ltationManaged CareThrough our range of health and wellness services across multiple touchpoints and millions of individual and corporate customers,we are making high-quality care more accessible and sustainable,helping ease the burden on healthcare systems across the region.We help people at all st
236、ages of their health journey from prediction,prevention,diagnosis,treatment through to recovery resulting in healthier customers,lower insurance costs and ultimately helping more people live Healthier,Longer,Better Lives.Ongoing Transformation from Payor to ShaperAIA is the largest pan-Asian life an
237、d health insurer.We are uniquely positioned to deploy our superior technology,digital and analytics capabilities to deliver healthcare solutions with greater convenience,expanded access and lower costs to customers while easing pressure on traditional healthcare delivery models.In February 2022,we a
238、nnounced the establishment of a new business,Amplify Health,in partnership with Discovery Group Limited(“Discovery”),our long-standing partner in AIA Vitality.Our vision is for Amplify Health to be a leading digital health technology and integrated solutions business,transforming how individuals,cor
239、porates,payors and providers experience healthcare delivery,improving the health and wellness outcomes of patients and communities across Asia.Amplify Health will accelerate AIAs health and wellness strategy,leveraging an array of health technology assets and expertise transferred from Discovery,a g
240、lobal leader in value-based healthcare.AIA GROUP LIMITED|Environmental,Social and Governance Report 202131About AIA GroupChairmans StatementStatement from the Group Chief Executive and President2021 ESG HighlightsOur ApproachAIAs Commitment to Net-ZeroHealth And WellnessSustainable OperationsSustain
241、able InvestmentPeople And CultureEffective GovernanceOur TCFD ReportIndependent Practitioners Limited Assurance ReportRegulatory And Mandatory DisclosuresAbout this Report And FeedbackHarnessing the Power of Digital Technologies Rapid advancement of technology and the increasing need for access to h
242、ealthcare amid the Covid-19 pandemic is transforming the remote healthcare market.AIA has fundamentally rethought how we provide support to our customers throughout their health and wellness journeys.Digital technologies now enable our advisors,agents,and other customer-facing staff to better meet o
243、ur customers changing needs and expectations in a flexible and personalised manner.ALive:“ALive powered by AIA”is AIA Thailands newest digital platform,launched during the pandemic when most Thais were at home due to restrictions and lockdowns.Key features include telemedicine,a chat feature that de
244、livers access to expert advice,community chat,an extensive content library and a variety of health trackers.The platform targets both policyholders and non-policyholders and has been especially effective in delivering insights on behaviours and preferences of our customers and potential customers.As
245、 of December 2021,ALive has 300,000 active users.Telemedicine:Telemedicine has emerged as a primary digital healthcare support tool during the pandemic,allowing customers access to video consultation services,prescription,delivery of medication when required and onward referral to AIAs health provid
246、er networks where necessary.In select markets,telemedicine coverage also extends to paediatricians,psychologists and a broad range of other specialists.Telemedicine services are currently available in 10 AIA markets Mainland China,Hong Kong,India,Indonesia,Malaysia,Myanmar,the Philippines,Singapore,
247、Sri Lanka and Thailand.Case management:Personal Case Management(PCM)is a medical support service to help customers with serious medical conditions get the right diagnosis and the most effective treatments to achieve optimal health outcomes.Customers have access to care and advice delivered via telec
248、onsultation or in-person consultation based on prevailing market conditions and patient needs.It is available in a total of 12 AIA markets Cambodia,Mainland China,Hong Kong,India,Indonesia,Malaysia,Myanmar,Australia,New Zealand,Singapore,Vietnam and Thailand.Regional Health Passport:The AIA Regional
249、 Health Passport is a key part of our health and wellness ecosystem leveraging our pan-Asian presence to provide customers access to a wide network of leading international hospitals across multiple markets.Customers enjoy the convenience of a region-wide referral and appointment service and cross-b
250、order cashless payments.The regional health passport is available in seven AIA markets Mainland China,Hong Kong,Malaysia,Singapore,Thailand with Indonesia and Sri Lanka being launched in 2021.Commonwealth Bank of Australia(CBA):CBA launched AIA Vitality to employees in December 2019,which has since
251、been incorporated in direct to consumer insurance (Life and Health)products and embedded in CBAs digital customer journey to create greater awareness,consideration and customer engagement of health and wellness.CBA is also part of the AIA Vitality Rewards programme and CBA customers who are also AIA
252、 Vitality members have the option of depositing their weekly activity benefit or status-based shopping rewards directly into their CBA account.AIA Launches Food Scoring in Five Markets:AIA launched an AI-based food scoring tool developed in partnership with Holmusk,a health technology company.Availa
253、ble in five AIA markets Hong Kong,Malaysia,Singapore,Thailand and the Philippines as of December 2021,customers have uploaded over one million food photos.AIA GROUP LIMITED|Environmental,Social and Governance Report 202132HEALTH AND WELLNESSAbout AIA GroupChairmans StatementStatement from the Group
254、Chief Executive and President2021 ESG HighlightsOur ApproachAIAs Commitment to Net-ZeroHealth And WellnessSustainable OperationsSustainable InvestmentPeople And CultureEffective GovernanceOur TCFD ReportIndependent Practitioners Limited Assurance ReportRegulatory And Mandatory DisclosuresAbout this
255、Report And FeedbackHEALTH AND WELLNESSStrategic Priority 3 Building Better Integrated Health and Wellness OutcomesBuild on our leading integrated health and wellness solutions and reward customers for behavioural improvements.Growing Levels of Support for Communities Mental Health NeedsThe Covid-19
256、pandemic has negatively impacted the mental health and wellness of many people over the last two years.The 2021 East Asia Summit,organised by ASEAN,released a statement on mental health cooperation that recognised the impact of the pandemic and pledged cooperation between member nations to promote m
257、ental health and well-being and effective policy models for mental health services.AIA has made mental health support a key area of focus.This has included:AIA Australia tackling mental well-being:AIA Australia launched comprehensive mental health support through AIA Vitality that included self-help
258、 tools,mindfulness activities and coaching sessions with a mental well-being coach.Customers were given access to Mentemia,an evidence based mental well-being app with tools and techniques to deal with common everyday stressors.AIA Australia also launched a 12-month pilot programme ending in Decembe
259、r 2021 that provided customers with access to mental well-being coaching.#LiveWithVitality in Singapore:AIAs research in early 2021 highlighted more than 90%of Singaporeans reported a decline in their mental health1.AIA Singapore launched#LiveWithVitality in August 2021 with activities ranging from
260、online events such as webinars,web-cooking sessions,fitness classes to sharing member-ambassador stories on how they are now making AIA Vitality a lifestyle commitment.As at end September 2021,the#LiveWithVitality Campaign had 372,804 video views across YouTube and social media.In support of World M
261、ental Health Day on 10 October 2021 and in continuation of the#LiveWithVitality campaign,AIA Vitality launched the Live 10.10 With Vitality initiative with 10 free activities that included workouts,healthy baking and wellness sessions.AIA Singapore also collaborated with the Singapore Health Promoti
262、on Board(HPB)to create two out of the 10 activities for members/customers to help them to think well and live well.AIA Hong Kong Health Talks:With the pandemic affecting all aspects of health,AIA Hong Kong developed a series of initiatives to keep members learning about new ways to stay healthy amid
263、 isolation and stress caused by the pandemic.1 AIA Singapore(2021)AIA Hong Kong and Macau launched 57 free virtual pandemic health talks from January to October 2021.A nutritionist advised on achieving an ideal weight through a healthy diet and a registered Chinese medicine practitioner explored the
264、 philosophical principles of Traditional Chinese Medicine(TCM)to improve health and immunity for the colder season.The talks also featured a Q&A section where participants could interact with the professionals.The AIA Hong Kong 8-Week Check-In Challenge:Accessible via the AIA Connect mobile app or t
265、he AIA Vitality webpage,the 8-Week Check-In Challenge dashboard card resulted in over 270,000 members engaging and earning AIA Vitality points.The first round of the 8-Week Check-In Challenge ran from 19 October to 13 December 2020 with the second round from 15 November 2021 to 9 January 2022.As a r
266、esult of the challenge,there was a significant increase in engagement rates among users,with in-app adoption rates increasing from 46%to 50%and 73%of the participants answering quiz questions correctly.AIA GROUP LIMITED|Environmental,Social and Governance Report 202133About AIA GroupChairmans Statem
267、entStatement from the Group Chief Executive and President2021 ESG HighlightsOur ApproachAIAs Commitment to Net-ZeroHealth And WellnessSustainable OperationsSustainable InvestmentPeople And CultureEffective GovernanceOur TCFD ReportIndependent Practitioners Limited Assurance ReportRegulatory And Mand
268、atory DisclosuresAbout this Report And FeedbackHEALTH AND WELLNESSAIA launched a holistic mental health and wellness programme to meet growing demand from corporate clients and their employees and dependents arising from significant changes to work environments during Covid-19.The service was rolled
269、 out in phases in Hong Kong and Singapore,first delivered to AIA staff and subsequently extended to the wider market through distribution partners.The programme comprises three components:A proactive workplace engagement programme for employers that delivers year-round mental health and wellness sup
270、port to employees via engagement workshops and planning,regular Mental Wellness in the Workplacenewsletters and webinars to promote the programme and drive engagement and corporate reporting to evaluate programme impacts.Digital engagement with employees via an app designed to promote self-care thro
271、ugh clinically validated mental wellness assessments and personalised feedback,a well-being library including content on a wide variety of mental health and wellness-related topics and themes,on-demand,text-based mental wellness coaching delivered by qualified behavioural health coaches,and mood tra
272、cking and journaling.The ability to support employees based on their individual mental health risk profile and to steer them towards different resources based on their unique needs.This could include an Employee Assistance Programme(EAP)or directing the individual to a country specific resource such
273、 as related hotlines or NGO service.Based on need,it could entail triaging an individual to a clinical setting within AIAs mental health specialist network.AIA GROUP LIMITED|Environmental,Social and Governance Report 202134About AIA GroupChairmans StatementStatement from the Group Chief Executive an
274、d President2021 ESG HighlightsOur ApproachAIAs Commitment to Net-ZeroHealth And WellnessSustainable OperationsSustainable InvestmentPeople And CultureEffective GovernanceOur TCFD ReportIndependent Practitioners Limited Assurance ReportRegulatory And Mandatory DisclosuresAbout this Report And Feedbac
275、kThe People at the Heart of Health And WellnessAIA Vitality transforming the lives of AIA customers4Customer/Member Spotlight“I was always overweight as a kid.I was 79.5kg and 165cm in 2017 until I finally decided that I have to maintain a healthy lifestyle.I became more active and participated in t
276、he AIA Vitality Weekly Challenge.Currently I have 19,430 points and Im on the way to achieving gold status.When I last weighed in,I came in at 67kg and Ive never felt better!”Mark Ryan RodilSilver Member,Malaysia“Exercise has become an irreplaceable part of my life.As I added AIA Vitality to my fitn
277、ess regime,my lifestyle grew to include healthier food choices and regular check ups.I may not be where I want to go yet,but as long as I keep going I will get there.”Casilda KwokGold Member,Singapore“I went from pizza and prata to organic muesli and steamed vegetables within eight months.My blood p
278、ressure and BMI improved by 25%to enter a healthy range.AIA Vitalitys support has helped me on my journey to health.”Chin Pak TjunSilver Member,Singapore Sometimes I get demotivated to stay active but since joining AIA Vitality,I never find myself demotivated anymore.As a Platinum member now,Ive fou
279、nd that AIA Vitality really encourages me to live a healthier lifestyle the programme is very inspiring and beneficial!I have lots of reasons to keep being active and to keep running almost every day!Nurul Nabilah binti Mohd Nasir Platinum Member,MalaysiaHEALTH AND WELLNESSAIA GROUP LIMITED|Environm
280、ental,Social and Governance Report 202135About AIA GroupChairmans StatementStatement from the Group Chief Executive and President2021 ESG HighlightsOur ApproachAIAs Commitment to Net-ZeroHealth And WellnessSustainable OperationsSustainable InvestmentPeople And CultureEffective GovernanceOur TCFD Rep
281、ortIndependent Practitioners Limited Assurance ReportRegulatory And Mandatory DisclosuresAbout this Report And FeedbackHEALTH AND WELLNESSJACQUELINE WEE KENG KINJacqueline Wee Keng Kin,a Singapore-based agent,is representative of the courage and deep sense of commitment to building healthy communiti
282、es that run through AIA,its employees and network of agents.Challenging personal circumstances early on in life instilled in her the value of insurance.At 17,her father suffered a stroke and with no insurance,she had to take a tuition fee loan for her tertiary education.In the more than 25 years of
283、her career,she has consistently applied grit and determination to help people live Healthier,Longer,Better Lives.During the pandemic she sent numerous care packages to her clients,both local and overseas.To uplift her clients spirits,she ordered cooked and frozen foods to have them delivered to thei
284、r homes.Jacqueline exhibits compassion and resilience,the hallmarks of effective agents that lead to trusted relationships that AIA enjoys with its customers.Jacqueline attributes her success to her leader and seniors and is determined to pay this forward.She mentors many young professionals and ins
285、pires her fellow agents to work harder and to learn to give.“The values and foundation cultivated in my district have moulded me to the person I am today.I am keen to pass on my knowledge,train and motivate the newcomers in our big family.”To explain her motivation,she references a quote she lives b
286、y:“Grow old with me.The best is yet to be!”.“THE VALUES AND FOUNDATION CULTIVATED IN MY DISTRICT HAVE MOULDED ME TO THE PERSON I AM TODAY.I AM KEEN TO PASS ON MY KNOWLEDGE,TRAIN AND MOTIVATE THE NEWCOMERS IN OUR BIG FAMILY.”Leveraging the Power of Agents to Help Customers Live Healthier,Longer,Bette
287、r LivesBased in Malaysia,Lee Sun Mei is an inspirational figure,known to her peers and colleagues as the Iron Lady.Sun Mei joined AIA in 2016 after a previous role as an accountant.Unfortunately,Sun Mei was diagnosed with breast cancer in late 2019.Her story of how she discovered the disease has lef
288、t her grateful for her career.One of her customers shared her reluctance in getting a lump in her breast checked,which turned out to be final stage cancer.On hearing her story,Sun Mei decided to get checked.To her dismay,it was cancer.“I took it as a challenge as I do with many things in life.I want
289、ed to defeat it so I can go back to my life and live it.”“It also reaffirmed the importance of insurance.When I was ill,I could allow myself the opportunity to focus on fighting the disease and give myself the time and peace of mind to recover.This is because I had insurance and was protected by my
290、coverage.I didnt have to worry about my financial standing during this time.”She strongly believes in the importance and responsibility of her role as an agent.“I always sincerely believed that insurance is important for everyone.However,having battled with cancer myself,I have firsthand experience
291、of what it is like to be insured.This gives me credibility and experience when I speak to my customers.”LEE SUN MEI“I TOOK IT AS A CHALLENGE AS I DO WITH MANY THINGS IN LIFE.I WANTED TO DEFEAT IT SO I CAN GO BACK TO MY LIFE AND LIVE IT.”AIA GROUP LIMITED|Environmental,Social and Governance Report 20
292、2136In this section1.Introduction.382.Our Approach:At A Glance.383.Sustainable Operations:Approach In Action.414.The People At The Heart of Sustainable Operations.48IMPROVING ENVIRONMENTAL PERFORMANCE&SOURCING SUSTAINABLYSUSTAINABLE OPERATIONSAIA GROUP LIMITED|Environmental,Social and Governance Rep
293、ort 202137About AIA GroupChairmans StatementStatement from the Group Chief Executive and President2021 ESG HighlightsOur ApproachAIAs Commitment to Net-ZeroHealth And WellnessSustainable OperationsSustainable InvestmentPeople And CultureEffective GovernanceOur TCFD ReportIndependent Practitioners Li
294、mited Assurance ReportRegulatory And Mandatory DisclosuresAbout this Report And FeedbackIntroductionAIA contributes toward helping people live Healthier,Longer,Better Lives through sustainably managing our operations,adopting internationally recognised green best practices in the buildings we occupy
295、,and positively influencing the stakeholders with whom we do business.This strategic pillar has been renamed from Green Operations given our remit to consider social and governance issues in our operations in addition to environmental concerns.1Our Approach:At A GlanceSustainable Operations takes a
296、critical look at reducing our carbon footprint across our premises,leveraging technology to improve efficiency and reduce waste and encouraging our broad network of vendors to join us on our sustainability journey.We draw on our network of partner and vendor relationships to harness our scale and in
297、fluence in making a positive impact across our operations.2“Through measuring and disclosing the GHG footprint of our operations and engaging our suppliers,we aim to achieve Sustainable Operations.”TAN HAK-LEH REGIONAL CHIEF EXECUTIVE AND GROUP CHIEF LIFE OPERATIONS OFFICERAIA GROUP LIMITED|Environm
298、ental,Social and Governance Report 202138AIA GROUP LIMITED|Environmental,Social and Governance Report 2021SUSTAINABLE OPERATIONSAbout AIA GroupChairmans StatementStatement from the Group Chief Executive and President2021 ESG HighlightsOur ApproachAIAs Commitment to Net-ZeroHealth And WellnessSustain
299、able OperationsSustainable InvestmentPeople And CultureEffective GovernanceOur TCFD ReportIndependent Practitioners Limited Assurance ReportRegulatory And Mandatory DisclosuresAbout this Report And FeedbackThe following table summarises our efforts across four strategic priorities.Strategic Prioriti
300、es2021 ProgressLink to SDG Targets1.Ensuring Greener Buildings Ensure that all new buildings and any redevelopments adhere to industry-recognised green building standards.All new buildings and redevelopments to be green certified Six buildings are green certified:AIA Central,Hong Kong,China AIA Sath
301、orn Tower,Thailand AIA Capital Centre,Thailand One AIA Financial Centre,China Two AIA Financial Centre,China Philam Life Centre Cebu,Philippines7.2 By 2030,increase substantially the share of renewable energy in the global energy mix.7.3 By 2030,double the global rate of improvement in energy effici
302、ency.9.4 By 2030,upgrade infrastructure and retrofit industries to make them sustainable.2.Improving Our Environmental Performance Reduce our carbon footprint,while also measuring and managing the amount of waste produced from our operations.Commitment made to achieve net-zero GHG emissions by 2050
303、Also committed to Science Based Targets initiative(SBTi)Reduction of GHG per employee by 53%,compared with 2018 Waste measurement expected to begin in 20227.3 By 2030,double the global rate of improvement in energy efficiency.12.5 By 2030,substantially reduce waste generation through prevention,redu
304、ction,recycling and reuse.13.2 Integrate climate change measures into national policies,strategies and planning.AIA GROUP LIMITED|Environmental,Social and Governance Report 202139SUSTAINABLE OPERATIONSAbout AIA GroupChairmans StatementStatement from the Group Chief Executive and President2021 ESG Hi
305、ghlightsOur ApproachAIAs Commitment to Net-ZeroHealth And WellnessSustainable OperationsSustainable InvestmentPeople And CultureEffective GovernanceOur TCFD ReportIndependent Practitioners Limited Assurance ReportRegulatory And Mandatory DisclosuresAbout this Report And FeedbackStrategic Priorities2
306、021 ProgressLink to SDG Targets3.Advancing Digital Transformation Increase digitalisation and automation to reduce the usage of paper.77%of our buy,service and claims transactions were submitted digitally 90%of our communications with policyholders were through digital channels Across the Group we h
307、ave saved more than 1,200 tonnes(equivalent to 240 million pieces)of paper12.5 By 2030,substantially reduce waste generation through prevention,reduction,recycling and reuse.4.Encouraging Good ESG Practice Encourage improvements in ESG performance with vendors.The Supplier Code of Conduct applies to
308、 all suppliers Plan to assess Tier 1 suppliers on their ESG performance 12.7 Promote public procurement practices that are sustainable,in accordance with national policies and priorities.13.3 Improve education,awareness-raising and human and institutional capacity on climate change mitigation,adapta
309、tion,impact reduction and early warning.AIA GROUP LIMITED|Environmental,Social and Governance Report 202140SUSTAINABLE OPERATIONSAbout AIA GroupChairmans StatementStatement from the Group Chief Executive and President2021 ESG HighlightsOur ApproachAIAs Commitment to Net-ZeroHealth And WellnessSustai
310、nable OperationsSustainable InvestmentPeople And CultureEffective GovernanceOur TCFD ReportIndependent Practitioners Limited Assurance ReportRegulatory And Mandatory DisclosuresAbout this Report And FeedbackOverviewAchievements in AIAs Sustainable Operations:377%buy,claim,and service transactions co
311、mpleted were submitted digitallyReduction of 11,924 tonnes of CO2 emitted in 2021 compared to 2020Reduction of18,272,976 kWhof energy consumed in 2021 compared to 2020All new buildings and redevelopments to be green certified1,200 tonnesof paper saved,equivalent to 240 million pieces of paperSustain
312、able Operations:Approach in ActionOur journey toward achieving more Sustainable Operations accelerated this year as we formally committed to reaching net-zero by 2050 in line with the Paris Climate Accords ambitious 1.5-degree climate scenario.Our commitment requires us to reduce our carbon emission
313、s from our operations (Scope 1 and 2)across the Group.We have also committed to the globally recognised SBTi,whom we are working closely with to set comprehensive emissions reduction targets for our operations.AIA is on track to have these measures ready and validated by SBTi by the end of 2023.AIA
314、GROUP LIMITED|Environmental,Social and Governance Report 202141SUSTAINABLE OPERATIONSAbout AIA GroupChairmans StatementStatement from the Group Chief Executive and President2021 ESG HighlightsOur ApproachAIAs Commitment to Net-ZeroHealth And WellnessSustainable OperationsSustainable InvestmentPeople
315、 And CultureEffective GovernanceOur TCFD ReportIndependent Practitioners Limited Assurance ReportRegulatory And Mandatory DisclosuresAbout this Report And FeedbackThrough the systematic application of green building practices across our operations,we work hard to ensure our physical spaces actively
316、contribute to creating a healthier planet,while at the same time provide our tenants and employees with safer,more productive and healthier buildings in which to thrive.As the regions largest listed life and health insurance group and a significant employer,we have a deep understanding of how our pr
317、emises impact peoples long-term health and well-being.This explains why AIA seeks to put sustainability and environmental considerations at the heart of our real estate decision-making activities.Our commitment meets or exceeds industry-recognised green building standards for all new developments an
318、d redevelopment projects helps to improve the carbon footprint and sustainability of our property portfolio.Sustainability is a key consideration in our real estate strategy from the design and construction of new properties,the efficient operation and upgrading of existing spaces through to the car
319、efully planned demolition of obsolete locations.Strategic Priority 1 Ensuring Greener BuildingsEnsure that all new buildings and any redevelopments adhere to industry-recognised green building standards.More details on our approach to property management and real estate investment are available in o
320、ur Environmental Policy and the AIAs Approach to Sustainable Investment page on our website .AIA GROUP LIMITED|Environmental,Social and Governance Report 202142SUSTAINABLE OPERATIONS AIA CentralHong Kong SAR,China 185 metres LEED O+M,Silver(2012)HK-BEAM for New Office Designs,Excellent(2005)AIA Sath
321、orn TowerBangkok,Thailand 134 metres LEED O+M,Platinum(2020)LEED BD+C Gold(2015)Southeast Asia Property Awards,Best Green Development,Highly Commended(2015)Thailand Property Awards,Best Green Development,Winner(2015)One AIA Financial CenterNanhai,China 141 metres LEED O+M,Platinum(2017)LEED BD+C,Gol
322、d(2013)AIA Capital CenterBangkok,Thailand 154 metres LEED O+M,Gold(2018)LEED BD+C,Gold(2014)Southeast Asia Property Awards,Best Commercial Development,Winner(2014)Thailand Property Awards,Best Commercial Development,Winner(2014)Two AIA Financial CenterNanhai,China 168 metres LEED O+M,Platinum(2018)L
323、EED BD+C,Gold(2017)Certificate of Green Building Design Label(2015)Philam Life Center CebuCebu,Philippines 72 metres LEED BD+C,Silver(2020)Note1.LEED O+M:Leadership in Energy and Environmental Design for Operations and Maintenance certificate awarded by the US Green Building Council2.LEED BD+C:Leade
324、rship in Energy and Environmental Design for Building Design and Construction certificate awarded by the US Green Building Council3.HK-BEAM:Hong Kong Building Environment Assessment MethodAbout AIA GroupChairmans StatementStatement from the Group Chief Executive and President2021 ESG HighlightsOur A
325、pproachAIAs Commitment to Net-ZeroHealth And WellnessSustainable OperationsSustainable InvestmentPeople And CultureEffective GovernanceOur TCFD ReportIndependent Practitioners Limited Assurance ReportRegulatory And Mandatory DisclosuresAbout this Report And FeedbackAIA GROUP LIMITED|Environmental,So
326、cial and Governance Report 202143SUSTAINABLE OPERATIONSAbout AIA GroupChairmans StatementStatement from the Group Chief Executive and President2021 ESG HighlightsOur ApproachAIAs Commitment to Net-ZeroHealth And WellnessSustainable OperationsSustainable InvestmentPeople And CultureEffective Governan
327、ceOur TCFD ReportIndependent Practitioners Limited Assurance ReportRegulatory And Mandatory DisclosuresAbout this Report And FeedbackBuildingAward NameLocationYear of AwardAIA Central WELL Health-Safety RatingHong Kong2021AIA Hong Kong Tower WELL Health-Safety RatingHong Kong2021Corporate Offices in
328、 Hopewell Centre WELL Health-Safety RatingHong Kong2021AIA East GatewayWELL Building Standard Gold-Level Pre-certificationBangkok,Thailand2020WELL Rating Achievements Studies highlight how the physical environments in which we live,work and play serve a critical role in health and wellness outcomes.
329、Estimates suggest we spend around 90%of our time indoors,where concentrations of some pollutants,like radon and formaldehyde,can be two to five times that of outside1.The Covid-19 pandemic has reinforced awareness around this causal link and catalysed efforts to actively promote health through the p
330、hysical spaces that we inhabit.At AIA we want our all buildings to be places that support the health and safety of our employees and occupants.To this end,we achieved International WELL Building Institute(IWBL)WELL Building Standard Health-Safety Ratings2 for three of our Hong Kong locations in 2021
331、,covering over 1,200,000 sq ft of commercial space.The rating,which is composed of a subset of relevant examination features adapted from the internationally recognised WELL Building Standard provides an effective way to guide,Better Buildings and Healthier Outcomes validate,recognise and scale the
332、efforts of facility owners and operators on critical health and safety issues.Key elements of achieving this rating included an assessment of cleaning and sanitisation procedures,emergency preparedness programmes,health service resources,stakeholder engagement,as well as air and water quality manage
333、ment.We are continuing efforts to apply similar industry-leading best practices across our built environments to support healthier outcomes for occupants across our properties.1 United States Environmental Protection Agency(2022)2 International WELL Building Institute(2022)AIA GROUP LIMITED|Environmental,Social and Governance Report 202144SUSTAINABLE OPERATIONSAbout AIA GroupChairmans StatementSta