EUREKO HAS A CLEAR AMBITION: TO BE THE MOST TRUSTED CONTACT DETAILS INSURER It may be ambitious but the foundations are already in place. We started in a small village called Achlum 200 years ago, 1811, as a cooperative. The clear ambition at that time was to provide mutual insurance at a reasonable premium. After 200 years, we still have the same principles. OPERATING COMPANIES We are still a community of committed people in Eureko Achmea Eureko Sigorta Interamerican Bulgaria which the customer is and feels well insured. That Mailing address Mailing address Büyükdere Caddesi 55 Alexander is our higher goal because we form an integral part P.O.Box 866 P.O.Box 866 Nurol Plaza No:71 Stambolyiski Blvd of, and have a responsibility to, the communities in 3700 AW Zeist 3700 AW Zeist 34398 Maslak, Istanbul Sofi a 1301, Bulgaria which we operate. The Netherlands The Netherlands Turkey T +359 2 801 3700 T +90 212 304 1000 We still work to a stakeholder model – customers, Offi ce address Offi ce address www.interamerican.bg employees, shareholders and business partners, with Handelsweg 2 Handelsweg 2 www.eurekosigorta.com.tr customers first among equals. 3707 NH Zeist 3707 NH Zeist Eureko Romania The Netherlands The Netherlands Friends First Ireland 25-29 Decebal Blvd So we strive always to create innovative, transparent T +31 30 69370 00 T +31 30 69370 00 Cherrywood Business Park 030964 Bucharest 3, solutions that customers understand and that meet Loughlinstown Romania their needs. To do that, we must reduce the complexity www.eureko.com www.achmea.nl Dublin 18, Ireland T +40 21 202 6700 of our business processes and make our products T +353 1 661 06 00 accessible and simple. Eureko Re www.eureko.ro PARTNERS AND Mailing address www.friendsfi rst.ie We still strive to employ the most committed and ASSOCIATED P.O. Box 90106 Union Slovakia customer-focused people. COMPANIES 5000 LA Tilburg Interamerican Greece Bajkalská 29/A The Netherlands 350 Sygrou Avenue 17680 813 60 Bratislava 1 We still strive for sustainable growth and above- T +31 13 462 38 22 Kallithea Athens, Greece T +421 2 2081 5414 average performance to create value for customers F&C Asset Management T +30 210 946 1111 but also to generate an appropriate return to share- Exchange House www.eureko-re.com www.union.sk holders. Eureko today is still customer driven and Primrose Street www.interamerican.gr result oriented. London, UK Oranta Insurance EC2A 2NY Company Russia We strive to ensure that our cooperative shareholders T +44 207 628 80 00 Lyusinovskaya 36/2 recognise and share the values that drive our ambition. 115093 Moscow, Russia www.fandc.com T +7 4957558565 We work with business partners who recognise their own interests in who we are as an organisation. By Garanti Emeklilik ve Hayat www.oranta-sk.ru incorporating the interests of all stakeholders into A.Ş. how we work, value is ultimately created for all. Mete Caddesi No:30, 34437 Taksim, İstanbul Turkey 200 YEARS OF COOPERATIVE INSURANCE T: + 90 212 334 70 00 This year, 2011, we are marking 200 years of cooperative www.garantiemeklilik. insurance. Through the year, we will celebrate the com.tr sustainability of the cooperative idea. We have organ- ised a series of events that demonstrate the strength of that idea. For more, please visit www.achmea.nl EUREKO HAS A CLEAR AMBITION: TO BE THE MOST TRUSTED CONTACT DETAILS INSURER It may be ambitious but the foundations are already in place. We started in a small village called Achlum 200 years ago, 1811, as a cooperative. The clear ambition at that time was to provide mutual insurance at a reasonable premium. After 200 years, we still have the same principles. OPERATING COMPANIES We are still a community of committed people in Eureko Achmea Eureko Sigorta Interamerican Bulgaria which the customer is and feels well insured. That Mailing address Mailing address Büyükdere Caddesi 55 Alexander is our higher goal because we form an integral part P.O.Box 866 P.O.Box 866 Nurol Plaza No:71 Stambolyiski Blvd of, and have a responsibility to, the communities in 3700 AW Zeist 3700 AW Zeist 34398 Maslak, Istanbul Sofi a 1301, Bulgaria which we operate. The Netherlands The Netherlands Turkey T +359 2 801 3700 T +90 212 304 1000 We still work to a stakeholder model – customers, Offi ce address Offi ce address www.interamerican.bg employees, shareholders and business partners, with Handelsweg 2 Handelsweg 2 www.eurekosigorta.com.tr customers first among equals. 3707 NH Zeist 3707 NH Zeist Eureko Romania The Netherlands The Netherlands Friends First Ireland 25-29 Decebal Blvd So we strive always to create innovative, transparent T +31 30 69370 00 T +31 30 69370 00 Cherrywood Business Park 030964 Bucharest 3, solutions that customers understand and that meet Loughlinstown Romania their needs. To do that, we must reduce the complexity www.eureko.com www.achmea.nl Dublin 18, Ireland T +40 21 202 6700 of our business processes and make our products T +353 1 661 06 00 accessible and simple. Eureko Re www.eureko.ro PARTNERS AND Mailing address www.friendsfi rst.ie We still strive to employ the most committed and ASSOCIATED P.O. Box 90106 Union Slovakia customer-focused people. COMPANIES 5000 LA Tilburg Interamerican Greece Bajkalská 29/A The Netherlands 350 Sygrou Avenue 17680 813 60 Bratislava 1 We still strive for sustainable growth and above- T +31 13 462 38 22 Kallithea Athens, Greece T +421 2 2081 5414 average performance to create value for customers F&C Asset Management T +30 210 946 1111 but also to generate an appropriate return to share- Exchange House www.eureko-re.com www.union.sk holders. Eureko today is still customer driven and Primrose Street www.interamerican.gr result oriented. London, UK Oranta Insurance EC2A 2NY Company Russia We strive to ensure that our cooperative shareholders T +44 207 628 80 00 Lyusinovskaya 36/2 recognise and share the values that drive our ambition. 115093 Moscow, Russia www.fandc.com T +7 4957558565 We work with business partners who recognise their own interests in who we are as an organisation. By Garanti Emeklilik ve Hayat www.oranta-sk.ru incorporating the interests of all stakeholders into A.Ş. how we work, value is ultimately created for all. Mete Caddesi No:30, 34437 Taksim, İstanbul Turkey 200 YEARS OF COOPERATIVE INSURANCE T: + 90 212 334 70 00 This year, 2011, we are marking 200 years of cooperative www.garantiemeklilik. insurance. Through the year, we will celebrate the com.tr sustainability of the cooperative idea. We have organ- ised a series of events that demonstrate the strength of that idea. For more, please visit www.achmea.nl our BrANDS FIVE YEArS’ KEY FIGurES KeY figUreS (€ MILLIoN) KeY ratioS reSUltS 2006 2007 2008 2009 2010 2006 2007 2008 2009 2010 Eureko Sigorta is Turkey’s market leader Interamerican is the most recognised Oranta is a growing company with Achmea unburdens. Health, income for Zilveren Kruis Achmea has long been Agis operates nationwide in the in bank distribution through its insurance brand in Greece. It holds the principal operations in Moscow and St later, work and working conditions or more than a health-insurer alone, offering Netherlands with Amsterdam, Utrecht/ partnership with Garanti Bank. The number two position in both Life and Petersburg and a presence in most major business continuity – Achmea is there, insured customers opportunities for a Amersfoort and Apeldoorn as core Gross written premiums 14,302 14,853 19,306 19,645 19,852 Group (%) company offers a full range of Non-life Non-life and offers Health products and Russian cities. Oranta has a mixed insuring and ensuring. But Achmea is healthier and more vital life. Customers regions. In all activities the customer is the Contribution investment contracts 623 757 307 353 372 Solvency 239 232 150 216 220 and Health products. Eureko has an 80% services. It also has an integrated Non-life and Health portfolio. more than a provider of products and benefit through, for example, the health focal point and it is always working on Solvency insurance entities 236 234 197 251 227 shareholding. roadside assistance service. services. We invest in solutions to social programme. Zilveren Kruis Achmea also improvements in healthcare from that Profit before tax 1,215 1,041 -2,620 1,507 1,226 Return on equity 13.0 9.7 -23.4 15.8 11.7 issues, explore ways to do things works with partners, such as hospitals, to perspective. Quality is a key issue and Net profit 985 979 -2,118 1,381 1,220 Return on adjusted equity 14.7 12.9 -38.6 20.0 12.9 differently, better. By continually asking improve the quality of care. Over 2010, Agis uses validated patient experiences to Debt leverage 18.3 23.0 36.4 22.8 22.0 the question: what are we doing? customers rated Zilveren Kruis Achmea help care providers improve their services. Gross written premiums at 7.4 in satisfaction surveys*. Over 2010, customers rated Agis at 7.6 in Non-life 2,684 2,915 3,816 4,030 3,992 Insurance (%) satisfaction surveys*. Health 7,154 7,521 11,259 10,617 12,289 Combined ratio Non-life 88.5 96.4 95.6 95.9 95.7 Life 4,464 4,417 4,231 4,998 3,571 Combined ratio Health 100.4 99.0 100.1 98.8 98.8 Banking Banking (%) Net interest margin 142 157 191 185 151 Cost/income ratio 84.2 64.7 61.9 64.4 61.6 Core Tier 1 ratio* 10.1 11.2 11.1 11.3 12.8 Union is the market leader in the Slovak Friends First has a long-standing presence Interamerican, the first foreign insurance Provides Pensions, Life and Non-life Interpolis, through the Rabobank branch Offers a range of insurance and financial travel insurance segment and offers a in Ireland and provides a comprehensive company established in Bulgaria, is insurance and offers financial services to network, offers consumers and entrepre- solutions.