Financial results Diluted core headline earnings per segment 1 year Dec 2014 Dec 2015 change Rm Rm Momentum Retail 745 705 (5)% Metropolitan Retail 273 311 14% Corporate and Public Sector 377 379 1% International 62 31 (50)% Segment results 1 457 1 426 (2)% Shareholder capital 395 253 (36)% Total 1 852 1 679 (9)% Profits impacted by underwriting experience