Item 16. FORM 10-K SUMMARY

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Item 16. FORM 10-K SUMMARY

None.

GLOSSARY

Throughout this Annual Report on Form 10-K, the Company may use certain abbreviations, acronyms and terms which are defined below.


Prudential Entities

Assurance IQ	Assurance IQ, LLC	POK	The Prudential Life Insurance Company of Korea, Ltd.
Company	Prudential Financial, Inc. and its subsidiaries	POT	The Prudential Life Insurance Company of Taiwan Inc.
PALAC	Prudential Annuities Life Assurance Corporation	PRIAC	Prudential Retirement Insurance and Annuity Company
PFI	Prudential Financial, Inc. and its subsidiaries	Pruco Life	Pruco Life Insurance Company
PGFL	Prudential Gibraltar Financial Life Insurance Co., Ltd.	Prudential	Prudential Financial, Inc. and its subsidiaries
PIIH	Prudential International Insurance Holdings, Ltd.	Prudential Financial	Prudential Financial, Inc.
PHJ	Prudential Holdings of Japan, Inc.	Prudential Funding	Prudential Funding, LLC
PLIC	Prudential Legacy Insurance Company of New Jersey	Prudential Insurance/PICA	The Prudential Insurance Company of America
PLNJ	Pruco Life Insurance Company of New Jersey	Prudential of Japan	The Prudential Life Insurance Company Ltd.
POA	Prudential of Argentina	Registrant	Prudential Financial, Inc.
POB	Prudential of Brazil

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Defined Terms

AFS Debt Securities	Fixed maturities, available for sale, at fair value	Guideline AXXX	The Application of the Valuation of Life Insurance Policies Model Regulation
AIG	American International Group	Hartford Financial	Hartford Financial Services Group, Inc.
Allstate	The Allstate Corporation	Hartford Life Business	The Hartford Financial Services Group's individual life insurance business acquired by Prudential Financial
A.M. Best	A.M. Best Company	Holistic Framework	Holistic Framework for Systemic Risk in the Insurance Sector
Board	Prudential Financial's Board of Directors	HTM Debt Securities	Fixed maturities, held-to-maturity, at amortized cost
CIO Organization	Chief Investment Officer Organization	IB	Dynamic Income Benefit
Closed Block	Certain in-force participating insurance and annuity products, along with corresponding assets used for the payment of benefits and policyholders' dividends on these products	ICS	The IAIS’s Risk-based Global Insurance Capital Standard
ComFrame	The Common Framework for the Supervision of Internationally Active Insurance Groups	Moody's	Moody's Investor Service, Inc.
Council	Financial Stability Oversight Council	Morningstar	Morningstar, Inc.
Credit-Linked Note Structures	Agreements with external counterparties providing for the issuance of surplus notes by our captive reinsurers in return for the receipt of credit-linked notes	Other Postretirement Benefits	Certain health care and life insurance benefits provided by the Company for its retired employees, their beneficiaries and covered dependents
DAI	The Prudential Fixed Annuity with Daily Advantage Income Benefit®	PBR	Principle-based reserving approach for life insurance products
Designated Financial Companies	Non-bank financial companies that are subject to stricter standards and supervision	Pension Benefits	Funded and non-funded non-contributory defined benefit pension plans which cover substantially all of the Company’s employees
Dodd-Frank	Dodd-Frank Wall Street Reform and Consumer Protection Act	PGIM	The global investment management businesses of Prudential Financial, Inc.
Exchange Act	The Securities Exchange Act of 1934	Regulation XXX	Valuation of Life Insurance Policies Model Regulation
Fitch	Fitch Ratings Inc.	S&P	Standard & Poor's Rating Services
Fortitude	Fortitude Group Holdings, LLC	Star and Edison Businesses	AIG Star Life Insurance Co., Ltd, AIG Edison Life Insurance Company, AIG Financial Assurance Japan K.K. and AIG Edison Service Co., Ltd., collectively
FRB	Board of Governors of the Federal Reserve System	Tax Act of 2017	The United States Tax Cuts and Jobs Act of 2017
GDPR	The European Union’s General Data Protection Regulation	Union Hamilton	Union Hamilton Reinsurance, Ltd.
Great-West	Great-West Life & Annuity Insurance Company	U.S. GAAP	Accounting principles generally accepted in the United States of America
Generator	Economic Scenario Generator

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Acronyms

ABA	Activities-Based Approach	IAIS	International Association of Insurance Supervisors
ACL	Allowance for Credit Losses	IRA	Individual Retirement Account
ALM	Asset Liability Management	IRS	Internal Revenue Service
AOCI	Accumulated Other Comprehensive Income (Loss)	LIBOR	London Inter-Bank Offered Rate
ASC	Accounting Standards Codification	LPs/LLCs	Limited Partnerships and Limited Liability Companies
ASU	Accounting Standards Updates	MD&A	Management's Discussion and Analysis of Financial Condition and Results of Operations
AUD	Australian Dollar	MEC	Modified Endowment Contract
BEAT	Base Erosion and Anti-Abuse Tax	MVA	Market Value Adjusted Investment Options
bps	Basis Points	MRB	Market Risk Benefit
CAA	The Consolidated Appropriations Act of 2021	NAIC	National Association of Insurance Commissioners
CARES Act	Coronavirus Aid, Relief, and Economic Security Act	NAV	Net Asset Value
CECL	Current Expected Credit Loss	NFA	National Futures Association
CFC	Capital and Finance Committee	NJDOBI	New Jersey Department of Banking and Insurance
CFTC	Commodity Futures Trading Commission	NOLs	Net Operating Losses
CLO	Collateralized Loan Obligation	NPR	Non-Performance Risk
COSO	Committee of Sponsoring Organizations of the Treadway Commission	NY DFS	New York State Department of Financial Services
COVID-19	2019 Novel Coronavirus	OCI	Other Comprehensive Income (Loss)
DAC	Deferred Policy Acquisition Costs	OECD	Organization of Economic Cooperation and Development
DOL	U.S. Department of Labor	OTC	Over-The-Counter
DRD	Dividend Received Deduction	OTTI	Other-Than-Temporary Impairments
DSI	Deferred Sales Inducements	PCAOB	Public Company Accounting Oversight Board
EBITDA	Earnings Before Interest, Taxes, Depreciation and Amortization	PDI	Prudential Defined IncomeSM
ERC	Enterprise Risk Committee	PFL	Profits Followed by Losses
ERISA	Employee Retirement Income Security Act	PIIA	The Prudential Immediate Income Annuity
ERM	Enterprise Risk Management	PPACA	The Patient Protection and Affordable Care Act
ESG	Environmental, Social and Governance	PPC	Japan Policyholders Protection Corporation
ETFs	Exchange-traded Funds	PPI	Prudential Premier® Investment Variable Annuity
E.U.	The European Union	QPAMs	Qualified Professional Asset Managers
FANIP	Funding Agreement Notes Issuance Program	RAF	Risk Appetite Framework
FASB	Financial Accounting Standards Board	RBC	Risk-Based Capital
FHLBB	Federal Home Loan Bank of Boston	RICO	Racketeer Influenced and Corrupt Organizations Act
FHLBNY	Federal Home Loan Bank of New York	RILA	Registered Index Linked Annuities
FINRA	Financial Industry Regulatory Authority	ROP	Return of Purchase Payment
FIO	Federal Insurance Office	SEC	Securities and Exchange Commission
FLIAC	Fortitude Life Insurance and Annuity Company	SECURE	Setting Every Community up for Retirement Enhancement Act
FSA	Financial Services Agency	SMR	Solvency Margin Ratio framework
FSB	Financial Stability Board	SOFR	Secured Overnight Funding Rate
GICs	Guaranteed Investment Contracts	SVO	Securities Valuation Office
GILTI	Global Intangible Low-Taxed Income	TBA	To Be Announced
GMAB	Guaranteed Minimum Accumulation Benefits	TDR	Troubled Debt Restructuring
GMDB	Guaranteed Minimum Death Benefits	UCITS	Undertakings for the Collective Investment in Transferable Securities
GMIB	Guaranteed Minimum Income Benefits	U.K.	The United Kingdom
GMIWB	Guaranteed Minimum Income and Withdrawal Benefits	URR	Unearned Revenue Reserve
GMWB	Guaranteed Minimum Withdrawal Benefits	U.S.	The United States of America
GSE	Government Sponsored Entities	USD	United States Dollar
G-SII	Global Systemically Important Insurer	VIEs	Variable Interest Entities
HDI	Highest Daily Lifetime Income	VOBA	Value of Business Acquired
IMO	Independent Marketing Organizations
IAIG	Internationally Active Insurance Groups

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EXHIBIT INDEX

Pursuant to the rules and regulations of the Securities and Exchange Commission, the Company has filed certain agreements as exhibits to this Annual Report on Form 10-K. These agreements may contain representations and warranties by the parties. These representations and warranties have been made solely for the benefit of the other party or parties to such agreements and (i) may have been qualified by disclosures made to such other party or parties, (ii) were made only as of the date of such agreements or such other date(s) as may be specified in such agreements and are subject to more recent developments, which may not be fully reflected in the Company’s public disclosure, (iii) may reflect the allocation of risk among the parties to such agreements and (iv) may apply materiality standards different from what may be viewed as material to investors. Accordingly, these representations and warranties may not describe the Company’s actual state of affairs at the date hereof and should not be relied upon.

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2.1						Plan of Reorganization. Incorporated by reference to Exhibit 2.1 to the Registrant’s Registration Statement on Form S-1 (No. 333-58524) (the “Registration Statement”).

3.1						Amended and Restated Certificate of Incorporation of Prudential Financial, Inc. Incorporated by reference to Exhibit 3.1 to the Registrant’s January 22, 2015 Current Report on Form 8-K.

3.2						Amended and Restated By-laws of Prudential Financial, Inc. Incorporated by reference to Exhibit 3.1 to the Registrant’s January 30, 2023 Current Report on Form 8-K.

4.1						Upon the request of the Securities and Exchange Commission, the Registrant will furnish copies of all instruments defining the rights of holders of long-term debt of the Registrant.

4.2						Description of Common Stock. Incorporated by reference to Exhibit 4.2 to the Registrant’s December 31, 2020 Annual Report on Form 10-K.

4.3						Description of 4.125% Junior Subordinated Notes. Incorporated by reference to Exhibit 4.3 to the Registrant's December 31, 2020 Annual Report on Form 10-K.

4.4						Description of 5.625% Junior Subordinated Notes. Incorporated by reference to Exhibit 4.4 to the Registrant's December 31, 2020 Annual Report on Form 10-K.

4.5						Description of 5.950% Junior Subordinated Notes.

10.1						Third Amended and Restated Credit Agreement dated as of July 28, 2021, among Prudential Financial, Inc., Prudential Funding, LLC, as Borrowers, The Prudential Insurance Company of America, JPMorgan Chase Bank, N.A., as Administrative Agent and Several L/C Agent, and the lenders party thereto. Incorporated by reference to Exhibit 10.1 to the Registrant’s July 29, 2021 Current Report on Form 8-K.

10.2						Support Agreement between The Prudential Insurance Company of America and Prudential Funding Corporation, dated as of March 18, 1982. Incorporated by reference to Exhibit 10.1 to the Registration Statement.

10.3						The Prudential Insurance Company of America Deferred Compensation Plan (as amended and restated effective as of December 1, 2015). Incorporated by reference to Exhibit 10.3 to the Registrant’s December 31, 2015 Annual Report on Form 10-K.*

10.4						The Pension Plan for Non-Employee Directors of The Prudential Insurance Company of America. Incorporated by reference to Exhibit 10.6 to the Registration Statement.*

10.5						Prudential Financial, Inc. Executive Change of Control Severance Program (amended and restated effective as of October 11, 2016). Incorporated by reference to Exhibit 10.5 to the Registrant’s December 31, 2016 Annual Report on Form 10-K.*

10.6						Prudential Financial Executive Officer Severance Policy (adopted October 10, 2006). Incorporated by reference to Exhibit 10.2 to the Registrant’s October 11, 2006 Current Report on Form 8-K.*

10.7						Prudential Financial, Inc. Omnibus Incentive Plan (amended and restated effective November 11, 2008). Incorporated by reference to Exhibit 10.15 to the Registrant’s December 31, 2008 Annual Report on Form 10-K.*

10.8						First Amendment to the Prudential Financial, Inc. Omnibus Incentive Plan, effective February 9, 2010. Incorporated by reference to Exhibit 10.2 to the Registrant’s February 11, 2010 Current Report on Form 8-K.*



10.9						Prudential Financial, Inc. 2016 Omnibus Incentive Plan. Incorporated by reference to Exhibit 10.21 to the Registrants December 31, 2017 Annual Report on Form 10-K.*

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10.10						Prudential Financial, Inc. 2021 Omnibus Incentive Plan. Incorporated by reference to Exhibit 10.1 to the Registrant’s August 5, 2021 Quarterly Report on Form 10-Q.*

10.11						Revised Form of Terms and Conditions relating to awards in 2013 under the Prudential Financial, Inc. Omnibus Incentive Plan to the chairman, principal executive officer, principal financial officer and other executive officers of book value units, stock options, performance shares and performance units under the 2013 Long-Term Incentive Program. Incorporated by reference to Exhibit 10.2 to the Registrant’s June 11, 2013 Current Report on Form 8-K.*

10.12						Revised Form of Terms and Conditions relating to awards in 2014 under the Prudential Financial, Inc. Omnibus Incentive Plan to the chairman, principal executive officer, principal financial officer and other executive officers of book value units, stock options, performance shares and performance units under the 2014 Long-Term Incentive Program. Incorporated by reference to Exhibit 10.1 to the Registrant’s February 18, 2014 Current Report on Form 8-K.*

10.13						Form of Terms and Conditions relating to awards in 2015 under the Prudential Financial, Inc. Omnibus Incentive Plan to the chairman, principal executive officer, principal financial officer and other executive officers of book value units, stock options, performance shares and performance units under the 2015 Long-Term Incentive Program. Incorporated by reference to Exhibit 10.3 to the Registrant’s February 10, 2015 Current Report on Form 8-K.*

10.14						Form of Terms and Conditions relating to awards in 2016 under the Prudential Financial, Inc. Omnibus Incentive Plan to the chairman, principal executive officer, principal financial officer and other executive officers of book value units, stock options, performance shares and performance units under the 2016 Long-Term Incentive Program. Incorporated by reference to Exhibit 10.2 to the Registrant’s February 9, 2016 Current Report on Form 8-K.*

10.15						Form of Terms and Conditions relating to awards to executive officers in 2017 under the Prudential Financial, Inc. 2016 Omnibus Incentive Plan of restricted stock units, stock options, performance shares, performance units and book value units under the 2017 Long-Term Incentive Program. Incorporated by reference to Exhibit 10.2 to the Registrant’s February 14, 2017 Current Report on Form 8-K.*

10.16						Form of Terms and Conditions relating to awards to executive officers in 2018 under the Prudential Financial, Inc. 2016 Omnibus Incentive Plan of restricted stock units, stock options, performance shares, performance units and book value units under the 2018 Long-Term Incentive Program. Incorporated by reference to Exhibit 10.2 to the Registrant’s February 13, 2018 Current Report on Form 8-K.*

10.17						Form of Terms and Conditions relating to awards to executive officers in 2019 under the Prudential Financial, Inc. 2016 Omnibus Incentive Plan of restricted stock units, stock options, performance shares, performance units and book value units under the 2019 Long-Term Incentive Program. Incorporated by reference to Exhibit 10.2 to the Registrant’s February 12, 2019 Current Report on Form 8-K.*

10.18						Form of Terms and Conditions relating to awards to executive officers in 2020 under the Prudential Financial, Inc. 2016 Omnibus Incentive Plan of restricted stock units, stock options, performance shares and book value units under the 2020 Long-Term Incentive Program. Incorporated by reference to Exhibit 10.2 to the Registrant’s February 11, 2020 Current Report on Form 8-K.*

10.19						Form of Terms and Conditions relating to awards to executive officers in 2021 under the Prudential Financial, Inc. 2016 Omnibus Incentive Plan of restricted stock units, stock options, performance shares and book value units under the 2021 Long-Term Incentive Program. Incorporated by reference to Exhibit 10.2 to the Registrant’s February 10, 2021 Current Report on Form 8-K.*

10.20						Form of Terms and Conditions relating to awards to executive officers in 2022 under the Prudential Financial, Inc. 2021 Omnibus Incentive Plan of restricted stock units, stock options, performance shares and book value units under the 2022 Long-Term Incentive Program. Incorporated by reference to Exhibit 10.2 to the Registrant’s February 8, 2022 Current Report on Form 8-K.*

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10.21						Form of Terms and Conditions relating to awards to executive officers in 2023 under the Prudential Financial, Inc. 2021 Omnibus Incentive Plan of restricted stock units, stock options, performance shares and book value units under the 2023 Long-Term Incentive Program. Incorporated by reference to Exhibit 10.2 to the Registrant’s February 15, 2023 Current Report on Form 8-K.*

10.22						Prudential Financial, Inc. Clawback Policy effective February 10, 2015. Incorporated by reference to Exhibit 10.1 to the Registrant’s February 10, 2015 Current Report on Form 8-K.*

10.23						Annual Incentive Payment Criteria for Executive Officers effective for awards in 2023 in respect of 2022. Incorporated by reference to Exhibit 10.1 to the Registrant’s February 15, 2023 Current Report on Form 8-K.*

10.24						Prudential Financial, Inc. Non-Employee Director Compensation Summary effective February 10, 2015. Incorporated by reference to Exhibit 10.21 to the Registrant’s December 31, 2014 Annual Report on Form 10-K.*



10.25						The Prudential Supplemental Retirement Plan (amended and restated effective as of January 1, 2009). Incorporated by reference to Exhibit 10.35 to the Registrant’s December 31, 2008 Annual Report on Form 10-K.*

10.26						First Amendment to The Prudential Supplemental Retirement Plan, effective June 30, 2012. Incorporated by reference to Exhibit 10.1 to the Registrant’s June 30, 2012 Quarterly Report on Form 10-Q.*

10.27						Second Amendment to The Prudential Supplemental Retirement Plan, effective December 6, 2013. Incorporated by reference to Exhibit 10.26 to the Registrant’s December 31, 2013 Annual Report on Form 10-K.*

10.28						Third Amendment to The Prudential Supplemental Retirement Plan, effective January 1, 2017. Incorporated by reference to Exhibit 10.28 to the Registrant’s December 31, 2016 Annual Report on Form 10-K.*

10.29						Fourth Amendment to The Prudential Supplemental Retirement Plan, effective as of January 1, 2018. Incorporated by reference to Exhibit 10.1 to the Registrant’s September 30, 2018 Quarterly Report on Form 10-Q.*

10.30						Fifth Amendment to The Prudential Supplemental Retirement Plan, effective as of January 1, 2018. Incorporated by reference to Exhibit 10.30 to the Registrant's December 31, 2020 Annual Report on Form 10-K.*

10.31						Sixth Amendment to the Prudential Supplemental Retirement Plan, effective as of May 1, 2021. Incorporated by reference to Exhibit 10.32 to the Registrant’s December 31, 2021 Annual Report on Form 10-K.*

10.32						Prudential Supplemental Employee Savings Plan, as amended and restated effective as of January 1, 2006. Incorporated by reference to Exhibit 10.32 to the Registrant’s December 31, 2006 Annual Report on Form 10-K.*

10.33						First Amendment to the Prudential Supplemental Employee Savings Plan, effective as of January 1, 2008. Incorporated by reference to Exhibit 10.2 to the Registrant’s March 31, 2008 Quarterly Report on Form 10-Q.*

10.34						Second Amendment to the Prudential Supplemental Employee Savings Plan, effective January 1, 2009. Incorporated by reference to Exhibit 10.38 to the Registrant’s December 31, 2008 Annual Report on Form 10-K.*

10.35						Third Amendment to the Prudential Supplemental Employee Savings Plan, effective January 1, 2017. Incorporated by reference to Exhibit 10.32 to the Registrant’s December 31, 2016 Annual Report on Form 10-K.*

10.36						Fourth Amendment to the Prudential Supplemental Employee Savings Plan, effective as of April 1, 2018. Incorporated by reference to Exhibit 10.1 to the Registrant’s September 30, 2018 Quarterly Report on Form 10-Q.*

10.37						Fifth Amendment to the Prudential Supplemental Employee Savings Plan, effective as of February 1, 2020. Incorporated by reference to Exhibit 10.4 to the Registrant’s March 31, 2020 Quarterly Report on Form 10-Q.*

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10.38						Sixth Amendment to the Prudential Supplemental Employee Savings Plan, effective as of November 1, 2020. Incorporated by reference to Exhibit 10.1 to the Registrant’s September 30, 2020 Quarterly Report on Form 10-Q.*

10.39						Seventh Amendment to the Prudential Supplemental Employee Savings Plan, effective as of January 1, 2018. Incorporated by reference to Exhibit 10.38 to the Registrant's December 31, 2020 Annual Report on Form 10-K .*

10.40						Eighth Amendment to the Prudential Supplemental Employee Savings Plan, effective as of May 1, 2021. Incorporated by reference to Exhibit 10.41 to the Registrant’s December 31, 2021 Annual Report on Form 10-K.*

10.41						The Prudential Insurance Supplemental Executive Retirement Plan (amended and restated effective as of January 1, 2009). Incorporated by reference to Exhibit 10.39 to the Registrant’s December 31, 2008 Annual Report on Form 10-K.*

10.42						First Amendment to the Prudential Insurance Supplemental Executive Retirement Plan, effective as of January 1, 2010. Incorporated by reference to Exhibit 10.35 to the Registrant’s December 31, 2010 Annual Report on Form 10-K.*

10.43						Prudential Financial, Inc. Compensation Plan (amended and restated effective as of November 11, 2008). Incorporated by reference to Exhibit 10.41 to the Registrant’s December 31, 2008 Annual Report on Form 10-K.*

10.44						The Prudential Deferred Compensation Plan for Non-Employee Directors (as amended through October 9, 2007). Incorporated by reference to Exhibit 10.3 to the Registrant’s September 30, 2007 Quarterly Report on Form 10-Q.*

10.45						First Amendment to The Prudential Deferred Compensation Plan for Non-Employee Directors, dated November 20, 2008. Incorporated by reference to Exhibit 10.43 to the Registrant’s December 31, 2008 Annual Report on Form 10-K.*

10.46						Prudential Financial, Inc. 2011 Deferred Compensation Plan for Non-Employee Directors (effective as of January 1, 2011). Incorporated by reference to Exhibit 10.39 to the Registrant’s December 31, 2010 Annual Report on Form 10-K.*

10.47						Amendment No. 1 to the Prudential Financial, Inc. 2011 Deferred Compensation Plan for Non-Employee Directors. Incorporated by reference to Exhibit 10.1 to the Registrant’s September 30, 2015 Quarterly Report on Form 10-Q.*

10.48						Prudential Financial, Inc. 2016 Deferred Compensation Plan for Non-Employee Directors. Incorporated by reference to Exhibit 10.40 to the Registrant’s December 31, 2016 Annual Report on Form 10-K.*

10.49						Prudential Securities Incorporated Supplemental Retirement Plan for Executives (amended and restated effective January 1, 2009). Incorporated by reference to Exhibit 10.44 to the Registrant’s December 31, 2008 Annual Report on Form 10-K.*

10.50						PFI Supplemental Executive Retirement Plan (amended and restated effective as of January 1, 2009). Incorporated by reference to Exhibit 10.45 to the Registrant’s December 31, 2008 Annual Report on Form 10-K.*

10.51						First Amendment to the PFI Supplemental Executive Retirement Plan, effective as of January 1, 2010. Incorporated by reference to Exhibit 10.42 to the Registrant’s December 31, 2010 Annual Report on Form 10-K.*

10.52						Prudential Financial, Inc. Nonqualified Retirement Plan Trust Agreement between Prudential Financial, Inc. and Wachovia Bank, N.A. Incorporated by reference to Exhibit 10.1 to the Registrant’s June 30, 2007 Quarterly Report on Form 10-Q.*

10.53						The Prudential Severance Plan (amended and restated as of October 10, 2019). Incorporated by reference to Exhibit 10.1 to the Registrant’s September 30, 2019 Quarterly Report on Form 10-Q.*

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10.54						The First Amendment to the Prudential Severance Plan, dated October 30, 2019.*

10.55						The Second Amendment to the Prudential Severance Plan, dated December 16, 2022.*

10.56						Restrictive Covenants Agreement dated February 14, 2020, between Prudential Financial, Inc., and Mark B. Grier. Incorporated by reference to Exhibit 10.48 to the Registrant’s December 31, 2019 Annual Report on Form 10-K.*



21.1						Subsidiaries of Prudential Financial, Inc.

23.1						Consent of PricewaterhouseCoopers LLP.

24.1						Powers of Attorney.

31.1						Section 302 Certification of the Chief Executive Officer.

31.2						Section 302 Certification of the Chief Financial Officer.

32.1						Section 906 Certification of the Chief Executive Officer.

32.2						Section 906 Certification of the Chief Financial Officer.



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This exhibit is a management contract or compensatory plan or arrangement.

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SIGNATURES

Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized, on the 16th day of February, 2023.


Prudential Financial, Inc.

By:						/S/ Kenneth Y. Tanji
Name:						Kenneth Y. Tanji
Title:						Executive Vice President and Chief Financial Officer (Authorized signatory and principal financial officer)

Pursuant to the requirements of the Securities Exchange Act of 1934, this report has been signed below by the following persons on behalf of the registrant and in the capacities indicated on February 16, 2023:


Name						Title
/S/ CHARLES F. LOWREY						Chief Executive Officer, President and Director
Charles F. Lowrey						(Principal Executive Officer)

/S/ KENNETH Y. TANJI						Executive Vice President and Chief Financial Officer
Kenneth Y. Tanji						(Principal Financial Officer)

/S/ ROBERT D. AXEL						Senior Vice President and Controller
Robert D. Axel						(Principal Accounting Officer)

THOMAS J. BALTIMORE, JR.*						Director
Thomas J. Baltimore, Jr.

GILBERT F. CASELLAS*						Director
Gilbert F. Casellas

ROBERT M. FALZON*						Director
Robert M. Falzon

MARTINA HUND-MEJEAN*						Director
Martina Hund-Mejean

WENDY E. JONES*						Director
Wendy E. Jones

KARL J. KRAPEK*						Director
Karl J. Krapek

PETER R. LIGHTE*						Director
Peter R. Lighte

SANDRA PIANALTO*						Director
Sandra Pianalto

CHRISTINE A. POON*						Director
Christine A. Poon

DOUGLAS A. SCOVANNER*						Director
Douglas A. Scovanner

MICHAEL A. TODMAN*						Director
Michael A. Todman


By:*			/S/ KENNETH Y. TANJI
			Attorney-in-fact

Previous: Item 15. EXHIBITS, FINANCIAL STATEMENT SCHEDULES