WELCOME TO AGEAS GROUP 2020

2 AGENDA

AGEAS PARTNERSHIPS PORTUGAL 01 GROUP 03 0505

UNIVERSE OF COMMERCIAL AGEAS 02 BRANDS OF 04 RECOGNITION GROUP AGEAS PORTUGAL GROUP

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AGEAS GROUP 01

Included in the BEL20 index

Belgium, , France, Portugal, Turkey, China, Malaysia, India, Europe’s Top Thailand, Vietname, Laos, 20 Cambodia, Singapore e companies Philippines OUR PROFILE Annual inflows of Shareholder’s 35.9 billion Eur equity close to Ageas, an 11 billion Eur. international insurance Group with focus on Europe and Asia 37.000.000 Over 45.000 Employees Customers world wide

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WE ARE...

A leading insurance Insurance specialists, An insurer which evolves through company in Europe and Asia: with a personalised offer and constant investment we invest in existing markets business solutions in Healthcare, in capabilities and skills, based on and seek out new opportunities Life and Non-Life branches, for a strong entrepreneurial culture private customers and companies

6 01 IN 2019 AGEAS GROUP CONTINUES TO ACHIEVE GREAT RESULTS

Gross EUR +7% Inflows 35,9 billion

Net EUR +33% Profit 979 million

Liquid EUR Assent 2,65 billion

Combined Combined 95% Racio*Ratio*

Solvency II** 217%

* Only consolidated companies. ** Ageas Group formula ratio in 195%. 7 02

AGEAS GROUP IN PORTUGAL 0202

VISION MISSION

Deliver an emotional and Become the reference meaningful experience into partner in insurance, a people’s lives relevant player in services and the best place to work for entrepreneurs

9 02 THE EVOLUTION OF THE PRESENCE OF THE AGEAS GROUP IN PORTUGAL

The Ageas Group enters Portugal 2005 through Médis and Ocidental and a partnership with Millennium bcp

Acquisition of Portugal (now Ageas Seguros) and Seguro 2016 Directo Portugal becomes Ageas’ second home market in Ageas Group

Go Far joint venture is created in partnership with Associação Nacional de Farmácias 2018 Partnership with Kleya towards an integrated solution for foreign residents in Portugal

Launch owned dental clinics network - Clínica Médis branded Creation of Ageas Repara, company dedicated to search for the origin of water leaks using innovative techniques and tools 2019 Partnership with José de Mello Residences and Services to develop the business of residences for seniors

2020 Launch of Mundo Ageas, an online market for diversified services

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PORTUGAL AGEAS’ SECOND HOME MARKET

1st 2nd 2nd 2nd 3rd

Place Place Place In Overall Ranking Place in Pensions in Health in Life in Non-Life

11 02 2019 IN FIGURES FOR AGEAS PORTUGAL GROUP

5 Ageas Seguros, SOLVENCY Ageas Pensões, 181% BRANDS Médis, Ocidental, II (standard formula) e Seguro Directo

Combined Non-Life: €737 million 88.4% billion Life: €1,4 billion ratio Non-Life €2,1 Gross inflows

Market share (global) €110,8 Net result 17.3% 20.1% (Life) million 13.6% (Non-Life)

Extensive distribution network: 665k Agents&Brokers 1.7 million Omni Agents & Brokers 1.036k Bancassurance 2,722 Bancassurance channel Phone&web Clients* Partnerships 135k Seguro Directo

* This number reflects unique TINs, it does not consider the overlap of Customers between our brands. Only active Customers with at least one policy in 12 effect are accounted for. A customer is considered the policyholder or payer (in life) of a policy - not the people insured by the policy. STAKEHOLDERS, VALUES, STRATEGIC CHOICES AND FINANCIAL GOALS

Focus on a great customer Employees Care NPS (Net Promoter Score) experience Employee engagement survey Partners Dare By preventing, preparing, protecting & assisting and Gross inflows beyond insurance Society Deliver Combined ratio (Health & Non-life) Through partnerships and Clients Share innovation, driven by technology Operating margin Life - Unit Linked As One agile organisation Shareholders Operating margin Life To achieve sustainable growth - except Unit Linked and to create social impact Net profit 02 A COMMITMENT TO SUSTAINABILITY

CREATE VALUE FOR A MORE care act protect SUSTAINABLE WORLD we create value for we create value for a we create value for a a healthier world world with longevity with more resilient world higher quality V I S I O N | Adding value to Customers, Society and other Stakeholders is naturally part of our activity, which is why we aim to promote the creation of a shared-value approach.

3 P I L L A R S

Build a healthier society Be ready for an ageing population Build a more Resilient society

COMMITMENTS Contribute to reduce chronical diseases Finding innovative ways to meet the growing needs Look for long-term solutions that contribute to environmental prevalence in Portugal and provide of the senior population, while acting in the sustainability (carbon neutral). appropriate treatment and counseling through innovative methods. preparation of young segments future by promoting Work to prevent potential events with high impact in peoples the importance of long-term savings. lives and goods, while fostering solutions for community's protection.

14 A COMMITMENT WITH SOCIETY 351,000€ 6,518 98 Social Hours of Institutions Support to the voluntary supported Community work The Ageas Foundation is an IPSS (Private Institutions for Social Solidarity) founded in 1998. It brings people and partners together promoting social solidarity activities with the community. 1,036 Volunteers 2,495 230 MISSION - To support the community by promoting corporate volunteering Shareholdings Solidarity and developing programmes actions with a social impact.

VISION - To be a unique institution that helps build inclusive and resilient communities.

STRATEGY - With the aim of increasing its social impact on the community, the Ageas Foundation has structured its model based on an ecosystem of long-term partnerships centred around three principles: ▪ Corporate volunteering ▪ Entrepreneurship and social innovation ▪ Projects with a sustainable social impact

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UNIVERSE OF COMMERCIAL BRANDS OF AGEAS PORTUGAL GROUP THE UNIVERSE 03 O F AGEAS PORTUGAL GROUP 3.1

FIVE COMMERCIAL BRANDS COMMERCIAL BRANDS 3.1 AGEAS PORTUGAL GROUP

Insurance and services adapted to Each person and their health are Seguro Directo is a specialized the needs of its Clients, seen at Médis as one, adapting their brand in auto insurance. The clarity developing its activity with a wide proposals to each person and each and quality of service, with distribution network of Mediators stage of their life, through a Personal competitive prices are the secret of and Partners. Health Service. its success.

Ocidental is one of the largest Outstanding leader in Pension Funds bancassurance operators in Portugal, in Portugal, managing around six offering a wide range of Life and Non- billion euros of assets. Life solutions. 3.1 AGEAS SEGUROS

Professional and certified distribution network with a strong presence in Media and Social Media, including customer service Loyalty card: Ageas Seguros World and App with direct discounts and digital card

Website with area for private Clients

Digital documents and communication

GPS: tracking service in case of emergency

PAR: risk analysis and prevention for Corporate Clients

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Direct Insurance Company SEGURO DIRECTO piooner in Portugal

Be an innovative and relevant brand where, how and when the Client needs it.

Misson: be a brand close to the customer, an attentive and clear communication brand.

“Simpler than you think” is the brand signature of the direct insurer, pioneer in Portugal

Presence on multiple Closer to the Customers Sustainable and digital channels Ecological • Road safety tutorials, and • Website 100% car maintenance; • Digital Documentation; transactional, intuitive • Área Cliente com os • Sustainable Partnerships. and direct; documentos e detalhes do • App TV; seguro. • Facebook e ChatBot.

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Leadership in Simplification and Bancassurance Digitalization

▪ Largest operator of Bancassurance Offer and simple language: in Portugal; ▪ Adapted to customers' life cycle; ▪ Relation of proximity and total ▪ Making simple what is complex; integration for more than 30 years ▪ Strong commitment to the with Millennium bcp, partner and the simplification and digitization of main distributor. processes.

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Leader in Pension Funds

Ageas Pensions is a leading player in the Pension Funds market in Portugal, managing more than 6 billion euros of assets, which translates into a 27.4% market share.

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MÉDIS Personal health service in Portugal

A new way of seeing and manage health in Portugal: Vision 360º

The Portuguese Personal Health Service include:

App Médis and Medical Line Triage 24/7 with Doctor Online Assistants tele-consultation

Clínica Médis Partnership with Reinforced and Pharmacies Oncologic Protection Médis Dental

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BEYOND INSURANCE BEYOND INSURANCE 3.2 OF AGEAS PORTUGAL GROUP

Innovative solution in the provision of A service specialized in A network of dental clinics health care to Customers of Portuguese detecting water leaks. where each patient is unique. Pharmacies and Médis.

Global service and facilitator of the An online platform to market services, process of establishing foreign experiences and emotions! residents in Portugal. 04

PARTNERSHIPS 04

WE PROMOTE PROJECTS AND PARTNERSHIPS THAT ADD VALUE, ARE DISTINCTIVE AND INNOVATORS

CORPORATE CORPORATE BUSINESS PARTNERSHIPS PARTNERSHIPS PARTNERSHIPS CULTURE INNOVATION, HEALTH AND SUSTAINABILITY

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RECOGNITION 05 TOGETHER WE HAVE BEEN AWARDED AND RECOGNIZED BY THE OUR CLIENTS AND THE MARKET…

30 THANK YOU.

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