Manulife Financial - Annual Reports






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IR Magazine

Welcome to Manulife Financial Corporation
Annual Reports

2007, 2006, 2005, 2004, 2003, 2002, 2001, 2000

2007 Annual Report

Report in full - 772 kb

2007 Proxy Circular

Report in full - 629 kb

2006 Annual Report

Report in full - 932 kb

2006 Proxy Circular

Report in full - 1,161 kb

2005 Annual Report & Proxy Circular

Report in full - 2,250 kb

Selected sections
Message to Shareholders - 155 kb
Management’s Discussion and Analysis - 195 kb
Management’s and Auditors’ Reports - 60 kb
Consolidated Financial Statements - 63 kb
Notes to Consolidated Financial Statements - 207 kb
Source of Earnings - 48 kb
Embedded Value - 48 kb
Principal Subsidiaries - 45 kb
Shareholder Information - 66 kb

2005 Proxy Circular - 1,705 kb

2004 Annual Report & Proxy Circular

Report in full - 2,461 kb

Selected sections
Message to Shareholders - 699 kb
Management’s Discussion and Analysis (amended June27, 2005) - 169 kb
Management’s and Auditors’ Reports - 60 kb
Consolidated Financial Statements - 62 kb
Notes to Consolidated Financial Statements - 172 kb
Source of Earnings - 46 kb
Embedded Value - 43 kb
Principal Subsidiaries - 50 kb
Shareholder Information - 920 kb

2004 Proxy Circular - 1,140 kb

2003 Annual Report

Report in full - 3,187 kb

2003 Proxy Circular

Selected sections
Year in Review - 87 kb
Message to Shareholders - 236 kb
Management's Discussion and Analysis - 181 kb
Consolidated Financial Statements - 65 kb
Notes to the Consolidated Financial Statements - 158 kb
Supplementary Financial Information - 105 kb
Shareholder Information - 287 kb

Additional Disclosure on Executive Pensions
In the Manulife Financial Corporation Proxy Circular on pages 27 and 28, detailed information about Manulife’s Supplemental Retirement Income Program is disclosed. The amount of credited service and the basis for determining the estimated pension benefit is provided for each named executive.

For the purpose of clarity, outlined below is the estimated annual pension for each named executive based on current compensation, assuming they retired at December 31, 2003 and at their normal retirement age of 65.

Manulife Financial Retirement Plans Addendum

Canada	Service at 12/31/2003
Name	Supplemental Retirement Income Program
D. D'Alessandro	19.8
V. Apps	33.4
P. Rubenovitch	16.8
D. Guloien	22.8

Service at Retirement Date

Supplemental Retirement Income Program

28.0

42.7

31.4

41.2

Annual Benefits Payable (C$)
12/31/2003	Age 65
1,259,484	2,218,162
384,784	559,815
179,631	602,698
N/A*	771,217

*not eligible for early retirement

United States	Service at 12/31/2003
Name	U.S. Supplemental Cash Balance Program
J. DesPrez, III**	13.0

Service at Retirement Date

U.S. Supplemental Cash Balance Program

30.0

Annual Benefits Payable (US$)
12/31/2003	Age 65
29,232	240,084

**Aggregate value of the 401(k) Savings Plan Account for Mr. DesPrez is $260,500

Shareholders with questions regarding this information should contact Investor Relations at:

	You can e-mail us at investor_relations@manulife.com
	You can call Investor Relations directly at 1-800-795-9767 from within North America. For calls outside North America, please call (416) 926-3000.
	You can fax Investor Relations at (416) 926-3503.
	You can mail us at: Investor Relations Department Manulife Financial Corporation 200 Bloor Street East, NT-7 Toronto, Ontario M4W 1E5 Canada