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Manulife Financial Corporation (MFC) has entered into an underwriting agreement to issue and sell US$750,000,000 of 6.146% Subordinated Notes due 2041 under its Canadian and U.S. shelf prospectus program and effective Form F-10 registration statement.
The notes pay interest at 6.146% per year from September 11, 2026 to September 11, 2036, then reset to the CMT Rate plus 1.350% until maturity on September 11, 2041, with semiannual payments on March 11 and September 11. The Underwriters, led by BofA Securities, Citigroup, J.P. Morgan and Morgan Stanley, will purchase the notes at 99.550% of principal and resell them to the public.
Manulife provides extensive representations on regulatory compliance in Canada and the U.S., effectiveness of its disclosure and internal controls, absence of material adverse changes since its last disclosure, and the validity and enforceability of the indenture and the notes. The agreement also details customary closing conditions, indemnification, and jurisdictional and regulatory provisions for cross‑border bank resolution regimes.
Manulife Financial Corporation (MFC) has priced a U.S. public offering of US$750,000,000 aggregate principal amount of 6.146% subordinated notes due 2041 at a public offering price of 100.000%. The notes are expected to be issued on September 11, 2026 and are anticipated to qualify as Tier 2 regulatory capital. They will pay a fixed annual interest rate of 6.146% until September 11, 2036, then reset to the CMT Rate plus 1.350% until maturity on September 11, 2041. Manulife may redeem the notes, with prior regulatory approval, starting September 11, 2031 at a make-whole redemption price, or at 100% of principal on the reset date or following specified regulatory or tax events. Net proceeds are intended for general corporate purposes, which may include future refinancing requirements.
Manulife Financial Corporation updates its Code of Business Conduct and Ethics, as amended on August 4, 2026, and furnishes it for stakeholders. The Code applies to directors, officers, employees, contractors, suppliers and other associates, setting expectations on integrity, compliance and responsible behaviour across all operations.
The document details standards on workplace conduct, human rights, anti-discrimination, health and safety, security, freedom of association, and anti-harassment. It emphasizes strong risk and ethics culture, fair treatment of customers, accurate communications, and careful dealings with governments, competitors, and suppliers, including strict rules on gifts, political activities and lobbying.
Manulife prohibits bribery, kickbacks, human trafficking, slavery, insider trading, speculative trading in Manulife securities, and undisclosed conflicts of interest. It mandates broad conflict-of-interest disclosure, controls on outside positions and directorships, and protection of corporate opportunities and assets. Extensive guidance covers confidentiality, data privacy, recordkeeping, use of communication systems, social media, and emerging technologies such as AI. The Code underscores a duty to report suspected unethical or illegal behaviour, provides anonymous Ethics Hotline channels, and bans retaliation for good-faith reports.
Manulife Financial Corporation reported strong second-quarter 2026 results, with net income attributed to shareholders of $2.1 billion, up 17% from 2Q25, and core earnings of $1.9 billion, up 12% on a constant exchange rate basis. Diluted EPS was $1.20 and core EPS $1.09, increases of 22% and 16%, respectively. Core ROE reached 16.3% and ROE 18.0%, reflecting improved profitability.
Insurance growth was broad-based: APE sales were $2.7 billion (+21%), new business CSM $1.0 billion (+16%) and NBV $929 million (+10%). Asia drove much of the expansion with 21% core earnings growth and double‑digit gains across new business metrics, while U.S. core earnings rose 55% on better life and long‑term care claims experience. Canada saw higher sales but lower core earnings from claims and expense pressure.
Global Wealth and Asset Management delivered higher fee-based core earnings and a core EBITDA margin of 31.2%, though net inflows moderated to $0.4 billion and year‑to‑date flows were negative. Capital strength remained robust, with The Manufacturers Life Insurance Company LICAT ratio at 136%, MFC’s financial leverage at 22.2%, and CSM net of non‑controlling interests rising to $27.3 billion. In the first half of 2026, Manulife returned $2.6 billion to shareholders through dividends and buybacks, while advancing AI initiatives, new high‑net‑worth products, and health and longevity partnerships.
Manulife Financial Corporation reported strong second quarter 2026 results, with net income attributed to shareholders of $2.1 billion and EPS of $1.20, up from $1.8 billion and $0.98 in 2Q25. Core earnings were $1.9 billion and core EPS $1.09, while ROE reached 18.0% and core ROE 16.3%.
The company highlighted broad-based insurance momentum, as APE sales rose 21% to $2.7 billion, new business CSM 16% to $1.0 billion, and NBV 10% to $0.9 billion. Global Wealth and Asset Management generated $0.4 billion of net inflows in 2Q26, though year-to-date flows remain negative.
Capital and future earnings capacity remained solid, with a LICAT ratio of 136% for MLI and CSM net of non-controlling interests of $27.3 billion, up 20% year over year. Management also emphasized AI-enabled initiatives and strategic growth in Asia and Global WAM. The board declared a quarterly common dividend of $0.485 per share, payable September 21, 2026.
BlackRock, Inc. filed Amendment No. 2 to report its position in Manulife Financial Corporation common stock. BlackRock reports beneficial ownership of 108,284,674 shares, representing 6.5% of the outstanding common stock as of June 30, 2026.
BlackRock has sole voting power over 101,805,030 shares and sole dispositive power over 108,284,674 shares, with no shared voting or dispositive power. Various underlying clients have rights to dividends or sale proceeds, but no single client holds more than five percent of Manulife’s outstanding common shares.
Manulife Financial Corporation has reset the interest rate on its $2 billion principal amount of 3.375% Limited Recourse Capital Notes Series 1 for the five-year period starting June 19, 2026. The new rate will be 5.88300% per annum until June 19, 2031.
The rate reflects the Government of Canada Yield on June 18, 2026 plus a 2.839% spread, with interest continuing to be paid semi-annually on June 19 and December 19, beginning December 19, 2026. The Notes mature June 19, 2081 and are backed by 2,000,000 Non-Cumulative Fixed Rate Reset Class 1 Shares Series 27 held in a Limited Recourse Trust. Manulife may redeem the Notes, subject to regulatory approval, during a window around June 19, 2031 and every five years thereafter.
Manulife Financial Corporation announced the results of conversion elections for its Class 1 Preferred Shares, Series 3 and Series 4. Only 17,750 of the 6,537,903 outstanding Series 3 shares were elected to convert into Series 4, while 886,331 of the 1,462,097 outstanding Series 4 shares were elected to convert into Series 3.
Because fewer than 1,000,000 Series 4 shares would remain, Manulife will automatically convert all remaining Series 4 shares into Series 3 on June 19, 2026, and Series 3 holders will not be able to convert into Series 4. After this, Manulife will have 8,000,000 Series 3 preferred shares outstanding, listed on the Toronto Stock Exchange as MFC.PR.F.
For the five-year period from June 20, 2026 to June 19, 2031, Series 3 holders will receive fixed, non-cumulative quarterly dividends at an annual rate of 4.64000%, equal to $0.290000 per share per quarter, based on the five-year Government of Canada bond yield plus 1.41%.
Manulife Financial Corporation is issuing S$500 million principal amount of 2.880% subordinated notes due June 4, 2036 in Singapore. These notes are structured to qualify as Tier 2 capital for Manulife.
The notes pay a fixed 2.880% rate until June 4, 2031, then reset to 0.931% over the prevailing five-year SORA OIS rate. Subject to prior approval from the Superintendent of Financial Institutions (Canada), Manulife may redeem the notes at par on June 4, 2031 and on any interest payment date after that, plus accrued interest. The subordinated notes rank equally with Manulife’s other subordinated indebtedness and have received in-principle approval for listing on the Singapore Exchange. The offering, made solely to non-U.S. persons under Regulation S, is expected to close on June 4, 2026 and will not be offered or sold in Canada or to Canadian residents.
Manulife Financial Corporation has set new dividend rates for its preferred shares Series 3 and Series 4 effective June 20, 2026. Series 3 will pay a fixed dividend of 4.64000% per annum, or $0.290000 per share each quarter, until June 19, 2031. Series 4 will pay a floating dividend of 0.94092% for the first three‑month period to September 19, 2026, equal to 3.73300% annualized, or $0.235230 per share. Holders of Series 3 and Series 4 shares who wish to convert must instruct their broker by 5:00 p.m. Toronto time on June 4, 2026.