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Corporate Template-Set Achmea Titel-slide Achmea Investor Presentation “The leading Dutch insurance company with strong brands, multi-channel distribution strategy, well-diversified product range and conservative investment profile” 11/12 October 2016 100% tekst Contents Key investment Introduction considerations Recent results Wrap-up Appendices Achmea overview 2 Tekst & Grafiek (25%/75%) Achmea overview Gross written premiums by segment Strong brands, diversified products, 31/12/2015 – Total: €19.9 billion focus on insurance . A strong and solid insurance group with mutual roots . Clear market leader in Dutch insurance: Property & Casualty #1, Income Protection #3, Health #1, Pension #5 and Life #3 Turkey 29% Pension & Life 10% Greece 28% . 16% Interpolis, Centraal Beheer and Zilveren Kruis Non-life Slovakia 28% are among the most recognised brands in the International 6% Health 68% Ireland 14% Netherlands Other 1% . Distribution mainly through direct & banking channels, well positioned for future market developments . Advanced digital capabilities . Strong Solvency II position of 204%¹ . ‘A’ rating on the core insurance subsidiaries and conservative leverage position (25.6%) ¹ Based on approved PIM (internal model for Non-Life risk). 3 100% tekst Ownership structure - Stability through two major cooperative shareholders Achmea Association¹ Rabobank Netherlands¹ Other¹ Preference shareholders 65.3% 29.2% 5.5% 100% Ordinary shares² Achmea subholding² 94.5% 5.5% The mission of Achmea Association is to support the continuity of Achmea and to look after the collective interests of customers ¹ Owners of Capital rights ² Owner of voting rights 4 Tekst & Grafiek (25%/75%) Strong commercial % Rabobank customers New insurance sales through Rabobank (% Interpolis) alliance with Rabobank . Our insurance products are distributed through the banking channel under our 1% 1% Interpolis label 23% . Preferential distribution of Interpolis products through Rabobank branches; approximately 75% 98% of retail insurance products sold through 99% 99% Rabobank are Achmea insurance products 77% . Currently, only 1 out of every 4 customers of Rabobank is insured through Interpolis; both Achmea and Rabobank aim to increase this 25% Retail Small enterprises* Wholesale Retail * Definition of small enterprises: 5 employees or less 5 100% tekst Contents Key investment Introduction considerations Recent results Wrap-up Appendices Dominant player with strong brands and well developed digital capabilities Our strategic agenda Robust capital and solvency position Conservative investment profile 6 100% tekst Achmea has four competitive advantages Strong brands with leading positions in customer satisfaction ratings Best in class distribution mainly via direct and bancassurance channel 7% 14% 70% 3% 6% 79% Direct (total) Bancassurance Broker Direct Health Leading position in mobile and online services A solid customer base with leading positions in our core markets Achmea serves approximately 10 million customers Dutch market Market positon Health # 1 Evelien – Online assistant Speech analytics Independer Property & Casualty # 1 Individual Life # 3 Income protection # 3 Doctor- APP Inshared Agro Damage Asset Management # 5 7 Tekst & Beeld (75%/25%) Strong brands with leading positions in customer satisfaction ratings¹ P&C Retail Ø 7.7 P&C Wholesale Ø 7.3 Health Ø 7.0 Pensions Ø 6.3 Interpolis 7.9 Centraal Beheer 7.5 De Friesland 8,3 Centraal Beheer 6.7 FBTO 7.9 Pro Life 7.7 Generali 7.5 Centraal Beheer 7.7 OZF Achmea 7.4 Aegon 6.4 Generali 7.7 Interpolis 7.4 Interpolis 7.2 Allianz 7.6 Avéro 7.4 CZ 7.2 Generali 6.3 ASR 7.6 Zilveren Kruis 6.8 Aegon 7.2 Aegon 7.5 VGZ 6.8 ASR 6.0 NN Group 7.3 ASR 7.0 Menzis 6.8 Direct brand Centraal Beheer voted “Most customer orientated insurer”² Direct brand FBTO voted “Most customer friendly insurance company” over 2015 and 2016³ Achmea brands Centraal Beheer, Interpolis and Avero score MoneyView 5 star productrating on several Non-Life products meaning a TOP-3 ‘best buy’ position in the market⁴ ¹ Source: the Dutch Association of Insurers customer satisfaction research. Health: Research by Zorgkiezer.nl 2015 ² 5-th Customer Centric DNA Award survey (april 2016) ³ 9th SAMR and Beeckestijn Business School survey (april 2016) ⁴ Source: www.specialitem.nl 8 100% tekst A solid customer base with leading positions in our core markets Property & Casualty¹ #1 Health² #1 Income Protection¹ #3 Individual Life³ #3 Asset Management⁴ #5 Achmea 21% ASR NN Group Achmea 31% APG ASR VivatVivat Delta Lloyd NN Group PGGM NN Group VGZ Achmea 15% Achmea 19% Allianz Blackrock NL Goudse Delta Lloyd Delta Lloyd CZ Group Aegon DeltaMN Lloyd Aegon Other ASR Menzis Achmea 6% Other Other Other Other Our ‘closed book’ pension holds a 5th position (11% market share)³ in the Dutch market. ¹ Publication of DNB (2015 figures), ² Based on own analyses, figures 2015, ³ Publication of DNB (2014 figures) ⁴ Dutchinvestor Total Institutional Managed Assets 2014. 9 100% tekst Contents Key investment Introduction considerations Recent results Wrap-up Appendices Dominant player with strong brands and well developed digital capabilities Our strategic agenda Robust capital and solvency position Conservative investment profile 10 100% tekst We have made significant progress in recent years Our transition to a true digital insurer Focus our business portfolio We made tremendous progress Significant progress in reshaping our Process standardisation in reshaping our process, business portfolio: Integrated products and IT-landscape: insurer 1. Divesting operations in Cyprus, Digital 1. IT-complexity reduction Belgium, France, Romania, Bulgaria and Insurer 2. Integration of back offices by Russia, as well as occupational health migration of IT- applications services provider Achmea Vitale and House in 3. Transition to the digital Achmea Health Centers Process integration Process order insurer that uses big data 2. Recently we announced the sale of the and offers high quality digital Staalbankiers private banking activities customer service Staff and expense reduction Implementation of integrated Retirement Services strategy 21,332 3,664 Centraal Beheer financial 1. Well known Centraal Beheer brand, with high customer 18,424 services satisfaction. Large customer base 2,879 2. Excellent asset gathering experience with long lasting roots 15,412 2,633 Achmea Investment in pension market with Achmea Investment management Management 3. Well positioned savings and mortgages propositions by FTE¹ Expenses Achmea Bank Achmea Bank 4. Experienced Pension fund (administrative) services provider Syntrus Pension Services 5. We moved to a closed book Life in 2013. (Cost efficient operations and high customer satisfaction.) Closed book Pension & 2008 2013 2015 2008 2013 2015 6. We decided on a closed book pensions, after receipt Life permit to establish General Pension Fund (18 July 2016) ¹ Internal FTE development of total group activities 11 Tekst & Beeld (75%/25%) RGB-KLEUREN AFBEELDING INVOEGEN Financial red R 210 , G 159, B 165 1 Fuchsia R 193 , G 086, B 131 Acceleration & Innovation since 2014: accelerated customer focus Klik op het icoontje om een Yellow R 209 , G 147, B 002 Background nieuwe afbeelding in te voegen. Purple R 082 , G 083, B 135 ▪ Acceleration in customer focus and cost savings Blue R 065 , G 127, B 162 ▪ Innovation of processes and online services Light Green R 134 , G 135, B 034 ▪ These changes are in response to customers’ fast- changing wishes Dark Green R 074 , G 121, B 076 2 Orange R 229 , G 123, B 003 Customer-driven Ambitions with Acceleration & Innovation Zoek en selecteer de Gold R 179 , G 143, B 075 gewenste afbeelding. ▪ Providing new solutions to our customers Klik op ´Invoegen´ Medewerkers TEXT LEVELS ▪ Maintaining high level of customer satisfaction Invoegen Level vooruit ▪ Maintaining long-term financial health Employees Level terug Objectives Responsible Competitive ▪ €450 million cost reduction implying a FTE reduction 1 Typ-tekst (18 pt.) returns costs of approximately 4,000 jobs. 2 . Bullet (18 pt.) 3 . Sub-bullet (18 pt.) 4 Tussenkopje (Blue, 20 pt.) 12 100% tekst Our Acceleration & Innovation program delivered good results: . Achmea has become a more digital and customer focused organization . We strengthened our earnings model and we divested less profitable businesses . Our employees have become better equipped for digital work environment . In 2016 we continue our initiatives to remain a leading digital insurer, streamlining our organization and further reducing IT-operating costs . We invest in our strategic initiatives preparing ourselves to current and future market challenges: . Implement advanced Bancassurance with Rabobank . Grow international business . Offer clear added value in Health . Improve and innovate Non-life business . Introduce ‘Integrated retirement services’ together with establishment of General Pension Fund . Operating expenses reduced by €355 million as result of the Acceleration & Innovation program started in 2014 . As initiatives get finalised in 2016, the goals of Acceleration and Innovation will be visible in our 2017 results 13 100% tekst We have a clear strategy: Stay on course: • Further strengthening of our core competencies in Non-life and Health Stay on Course • Combined with a strong position in pensions and internationally • Invest in further innovative solutions for our customers • Continuation of strong financial position, now and in the long-term Complete: Complete • Achieving the cost and FTE reduction targets of Acceleration &
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