ERGO Austria

Group Profile

Status May 2021

. Content ERGO Austria

.

1 ERGO in Austria 3

2 Key Facts ERGO Austria 9

3 Corporate Strategy 13

4 Key Facts ERGO Group AG 16

2 ERGO in Austria

. ERGO in Austria Overview

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• The holding company ERGO Austria International AG and the operational company ERGO Versicherung AG are part of the international ERGO Group AG based in Dusseldorf.

• ERGO Versicherung offers Life, Health, Property & Casualty and Accident Insurance.

• The main sales and cooperation partners of ERGO Austria are Bank Austria/UniCredit, Volksbanken, ERGO Vorsorgemanagement GmbH, our tied agents as well as agencies and brokers.

• D.A.S. Rechtsschutz Versicherung is a member of ERGO Group AG and is also represented in Austria as well as a branch of ERGO Versicherung AG Germany for the industrial business.

4 ERGO in Austria Development of ERGO in Austria from 2007-2012

ERGO in Österreich

2007 - 2010 2011 2012 2009

• Foundation of ERGO • Relocation of all ERGO • Acquisition of minority • Rebranding of Victoria- Austria International AG companies to ERGO interests of Volksbank in Volksbanken Versicherung to • Increase of share in Bank Center in Vienna’s 11th Viktoria-Volksbanken ERGO Versicherung AG Versicherung Austria Versicherung up to district • Establishment of ERGO 90% Industrial as a branch of • Transfer of Victoria- ERGO Versicherung AG, Volksbanken Germany Versicherungsgesellschaf- ten shares to ERGO Austria

5 ERGO in Austria Development of ERGO in Austria from 2013-2015

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2013 2014 2015

• Acquisition of Austrian- • Merger of ERGO Direkt • Sale of Victoria- based ERGO Direkt Lebensversicherung AG Volksbanken Lebensversicherung AG into ERGO Versicherung Pensionskassen AG and • Merger of Bank Austria AG Vorsorgekasse AG Versicherung into ERGO Versicherung AG

6 ERGO in Austria Development of ERGO in Austria from 2016-2020

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20162016 -- 2018 2019 2020 20172017

• Extension of the • Rebranding of VFG • Acquisition of ERGO • Expansion of the successful cooperation agreement Vorsorge- Vorsorgemanagement cooperation with MediaMarkt between UniCredit Bank Finanzierungsconsulting- GmbH Austria Austria AG and ERGO GmbH to ERGO • License for health insurance Versicherung AG in Vorsorgemanagement GmbH Austria • Extension of the cooperation • Start of the cooperation with agreement with Volksbanken MediaMarkt Austria

7 ERGO in Austria Structure of ERGO in Austria

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MEAG MUNICH ERGO ERGO Group AG ¹

AssetManagement GmbH International

ERGO Versicherung AG, Düsseldorf ERGO International AG

100%

ERGO Versicherung AG Deutschland, ERGO Austria International AG Niederlassung für Österreich (ERGO Industrial)

94.7% ² Austria

5.3% ²

D.A.S. Rechtsschutz AG ERGO Versicherung AG

¹ Note: ERGO is part of 8 ² All figures are rounded Key Facts ERGO Austria

. Key Facts ERGO Austria Market Position 2020 in Austria (Group Statistics) .

Top 10 market shares (total market) in % Top 5 market shares Life Insurance in %

VIG 23,8 VIG 27,9 UNIQA 17,5

Generali 15,3 UNIQA 17,5 9,1

Zürich 4,3 Generali 15,2 Grawe 3,8

ERGO 3,3 ERGO 7,6 Helvetia 3,2

Wüstenrot 2,8 Allianz 6,8 OÖ 2,8

0 5 10 15 20 25 0 5 10 15 20 25 30

Source: Versicherungsverband Österreich; Excluding Health 10 Key Facts ERGO Austria Key Facts ERGO Versicherung in Austria 2020

Key Facts ERGO Austria

Total Premiums Employees** 516.5m € ~ 640

Insurance Contracts Balance Sheet Profit Life Insurance: ~ 620k 11.2m € Property-Casualty Insurance: ~ 787k

Business Segments Investments 80% Life Insurance 5.5bn € 20% Property-Casualty Insurance

Key figures in local GAAP. 11 As of 31. Dec. 2020; Including branches **Including employees on maternity leave Key Facts ERGO Austria Management ERGO Versicherung Extract

Key Facts ERGO Austria

Philipp Wassenberg Ronald Kraule Josef Kreiterling Christian Noisternig Christoph Thiel CEO Member of the Board Member of the Board, CFO Member of the Board Member of the Board, CIO

P&C Life & Health Finance Sales IT HR Organisational Development Investments Marketing Information Security Strategy & Communications & Quality Management Digitisation & Innovation Legal & Compliance ERGO Service Team Procurement Risk Management

12 Corporate Strategy

. Corporate Strategy #Drivefor2025: Strategic Cornerstones

14 Corporate Strategy Corporate Values

1. We show respect and appreciation

2. We want change

3. We try new things and learn from mistakes

4. We put the customer first

5. We want success

15 Key Facts ERGO Group AG

. Key Facts ERGO Group AG ERGO is Part of Munich Re

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• • Primary Insurance

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Munich Re stands for exceptional solution-based expertise, consistent risk management, financial stability and close client relations.

 One of the world‘s leading risk carriers  Far over one century of international experience  Listed on the share indices DAX 30 / EURO STOXX 50

• Asset Management Manager of Group investments of Munich Re and ERGO, Manager of Funds for private and institutional investors.

*As of 31. Dec. 2020 17 Key Facts ERGO Group AG ERGO is a Major Insurance Group in Germany and Europe .

Total Premiums Benefits Investments Consolidated Group Result 18.4bn € 16.1bn € 141.7bn € 517m €

Total Premiums ERGO Group AG

5.4 5

3.7

3.5 Euro

Billion Billion 0.8

Digital Ventures Property-Casualty Life Germany International Health Germany As of 31. Dec. 2020 Germany 18 ERGO Austria

Contact: ERGO Austria International AG ERGO Center Businesspark Marximum / Objekt 3 Modecenterstraße 17 A-1110 Wien Phone +43 1 27444-0 Fax +43 1 27444-6010 [email protected]

Websites: www.ergo-austria.com www.ergo-versicherung.at www.ergo-industrial.at www.ergo.com

Contact: Mag. Werner Rack e-mail: [email protected] Phone: + 43 (0) 1 27444-1180 Fax: +43 (0) 1 27444-91180

This presentation contains forward-looking statements that are based on current assumptions and forecasts of the management of ERGO Austria International AG. Known and unknown risks, uncertainties and other factors could lead to material differences between the forward-looking statements given here and the actual development, in particular the results, financial situation and performance of the Company. The Company assumes no liability to update these forward-looking statements or to conform them to future events or developments.