The insurance giant saw both revenues and earnings climb nearly 3% year-over-year in 2019, with chairman and CEO Charles Lowrey talking up Prudential’s ability to “drive greater efficiency across our operations” in its year-end earnings report. The company returned roughly $4 billion to shareholders in 2019 and says it’s taking actions to mitigate the negative impact of low interest rates. Meanwhile, at PGIM—Prudential’s massive money management arm—assets under management (AUM) climbed 13%, to more than $1.3 trillion at the end of 2019.