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In the fourth quarter of 2019, we delivered APE sales of $1.5 billion, which were largely in line with the prior-year period, despite headwinds in Japan. The impact of equity markets this quarter was a gain of $125 million in line with our disclosed sensitivities. New business gains were modestly higher than the prior year quarter as the impact of double-digit sales growth in Asia Other and the US was partially offset by lower sales volumes in Japan, and variability in large-case group insurance sales in Canada. These items were partially offset by the impact on earnings with actions on legacy businesses, unfavorable policyholder experience and the impact of lower new business volumes in Japan. Core earnings in our Canadian business decreased 6%, primarily due to the impact of unfavorable policyholder experience in our retail insurance business. In the US, core earnings increased by 8%, driven by higher sales volumes, tax benefits from the closure of prior young petite nude tax years, and gains from a variable annuity transfer program, partially offset by the impact of actions taken over the last 12 months to improve the capital efficiency of our legacy businesses and unfavorable policyholder experience compared with net gains in the prior young petite nude year quarter.



We have implemented automation and robotic solutions to provide efficiencies and improve customer experience. We're pleased to have achieved our 2022 target three years ahead of schedule. We're pleased to have achieved our medium-term financial leverage target of 25% after taking into account the $500 million debt redemption that occurred in January 2020. The 350 basis points decline compared with the fourth quarter of 2018 was driven by the positive impact of earnings net of dividend, the redemption of $1.5 billion of debt and the increase in the value of available-for-sale securities, which more than offset the net impact of our share buybacks and dividend reinvestment programs, as well as the impact of a stronger Canadian dollar. Core ROE exceeded our target for the second year in a row, expense efficiency is trending in the right direction, and we have achieved our medium-term portfolio optimization and leverage targets. Slide 22 outlines our medium-term financial operating targets and our full-year performance.



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