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Edge31 Oct 2025
Rolls-Royce: Full Thrust Ahead
From century-old crafted perfection to pandemic shock and reset, Rolls-Royce's story is shaped by heritage, turbulence, and a disciplined climb back.
Old Mutual (OMU) investor relations material
Old Mutual CMD 2025 summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.CMD 2025 summary28 Oct, 2025
Strategic priorities and operating model
Two-phase strategy: value unlock through cost efficiency, margin recovery, and capital discipline, followed by growth via market share gains, new business, and digital expansion.
New operating model with two segments (Life & Savings, Banking) and a leaner corporate center, devolving accountability to business clusters for faster decision-making.
Four strategic priorities: drive competitiveness in South Africa, deepen market leadership in Southern Africa, establish OM Bank's right to win, and evaluate/pivot on growth markets.
Integrated execution leverages technology, AI, and rewards to enhance customer engagement, operational efficiency, and cross-selling.
Acquisition of 10X Investments and Two Mountains to strengthen digital, direct-to-consumer, and mass market offerings.
Financial guidance and capital allocation
Medium-term targets: RoGEV 14–16%, dividend per share growth 6–9%, RONAV 15–17% (excl. OM Bank: COE +2–4%), VNB margin 2–3%, underwriting margin 5–8% for OM Insure.
R2.5bn cost savings targeted by FY2027, with at least R1bn by end 2026, representing a 10% reduction in FY2024 operating costs.
R3bn share buyback announced, with further buybacks or special dividends considered if shares trade at a discount to group equity value.
Capital allocation follows a horizon-based approach, prioritizing shareholder returns in the value unlock phase and shifting to growth investments as RONAV improves.
Cash generation supports a progressive, cash-based dividend policy, with shareholder distributions since FY2022 totaling R16.6bn.
Business developments and growth initiatives
OM Bank launched as a digital-first, cloud-native platform, acquiring 140k+ customers in three months and targeting break-even at 2.5–3m customers by FY2028.
Life & Savings cluster reorganized for end-to-end accountability, margin recovery, and digital adviser platforms.
OM Rewards program drives customer retention and cross-sell, with 7–10% persistency improvement and 90% of bank customers enrolled.
Old Mutual Insure maintains a top 3 market position, focusing on direct/digital growth, cost efficiencies, and advanced analytics.
Use of AI and automation to improve customer experience, reduce operational costs, and enhance fraud detection and claims processes.
OM Bank: How to achieve FY28 break-even?
How does RoNAV impact capital returns?
L&S VNB margin recovery strategy?
New operating model: how does it prevent decision paralysis?
What underpins confidence in 14-16% ROGEV target?
Explain the 'Lend and Expand' model for OM Bank.
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Next Old Mutual earnings date
H2 202517 Mar, 2026
Next Old Mutual earnings date
H2 202517 Mar, 2026
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Frequently asked questions
Old Mutual Limited is a financial services company that provides a range of insurance, investment, and banking solutions. The company operates primarily in Africa, offering life insurance, general insurance, asset management, and savings products to both individual and corporate clients. Old Mutual focuses on helping customers achieve long-term financial security through tailored solutions in wealth creation and protection. The company is headquartered in Johannesburg, South Africa, and its shares are listed on the Johannesburg Stock Exchange.
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