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OK

Initial successes: 2013 – 2015

Getting ready

2011-2012

Phase 1

Initial successes

2013-2015

Phase 2

Shaping the future

2016-2020

Phase 3

1. Customer growth

Number of customers +33 %

2011: 7.5 million
2015: 10 million

2. Concentration on the core business

Regional

Disinvestments

Mannheimer Versicherung in DE

Investments

Basler in HR and SRB, EBRD shares in CEE

Business

Disinvestments

Hotels, media groups

Investments

Hospitals

3. Implementation of key programmes

Combined ratio –7.1 PP

2011: 104.9 %
2012: 101.3 %
2013: 99.8 %
2014: 99.6 %
2015: 97.9 %

4. Solid capital base

Economic capital ratio +80 PP

2011: <100 %
2012: 108 %
2013: 161 %
2014: 150 %
2015: 182 %

5. Attractive financial figures

Earnings before taxes +190 %

2011: € 145m
2012: € 204m
2013: € 308m
2014: € 378m
2015: € 423m ¹⁾

Dividend per share

2011: € 0
2012: € 0.25
2013: € 0.35
2014: € 0.42
2015: € 0.47

¹⁾ Including Italian contributions