Financial results New business per division Dec 2012 Dec 2013 Change Rm Rm Momentum Retail 8 459 10 499 24% Metropolitan Retail * 2 783 2 831 2% Momentum Employee Benefits 4 977 6 506 31% Metropolitan International 874 943 8% Total PVP * 17 093 20 779 22% Total APE * 2 381 2 787 17% * Excludes FNB Life Strong new business volumes