Financial results New business per segment 1 year Dec 2014 Dec 2015 change Rm Rm Momentum Retail 11 817 12 673 7% Metropolitan Retail 2 684 2 411 (10)% Corporate and Public Sector 8 369 10 921 30% International 975 1 265 30% Total PVP 23 845 27 270 14% Total APE 3 126 3 473 11% Strong growth in a difficult market