W E L C O M E T O A G E A S G R O U P P O R T U G A L 2018 2
AGENDA 01 03 05 AGEAS RECOGNITION GROUP PORTUGAL 02 02 02 04 FOUR COMMERCIAL AGEAS BRANDS GROUP 3
01 AGEAS GROUP
01 Included in the BEL20 index Belgium, United Kingdom, Luxembourg, France, Portugal, Turkey, China, Europe’s Top Malaysia, India, Thailand, 20 insurance Vietname, Laos, Cambodia, companies Singapore e Philippines O U R PROFILE Annual inflows of Shareholder’s 33.8 billion Eur equity close to Focus on 10 billion Eur. partnerships to serve activities Total workforce of more 38.000.000 than 50.000 people Customers (including the non- -consolidated partnerships) 5
01 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 for our clients in in capabilities and skills, based on a strong entrepreneurial culture and seek out new opportunities the Life and Non-Life branches 6
01 I N 2 0 1 7 T H E A G E A S G R O U P A C H I E V E D ITS BEST-EVER RESULTS EUR Gross +7% 33,8 billion Inflows EUR Net +33% 960 million Profit EUR Liquid 1,8 billion Assent Combined Combined 95.2% Ratio* Racio* Solvency 196% II** * Only consolidated companies. ** Ageas Group formula ratio in 195%. 7
01 2018 AMBITION: 7 STRATEGIC CHOICES 6 VALUES 5 FINANCIAL GOALS Smart 11-13% Passionate Synergies to deliver Return on equity Focus on Insurance Close to the Focus on Life Operating Customer Customers Solvency II Margin Local ratio 175% 7 5 Guaranteed STRATEGIC FINANCIAL 6 VALUES 85-90 BPS Europe Well CHOICES GOALS Unit Linked & Asia diversified 40-45 BPS Portfolio Trusted Entrepreneurial 40-50% <97% Partnerships Dividends Combined Omni-channel are part of percentage Ratio Non Life our DNA Teamwork A partnership in insurance: with proven Organised , allowing us to take Diversified , with a balanced expertise in developing strong and advantage of the benefits of local self- portfolio that covers mature WE ARE… dynamic partnerships with leading government, adding value by sharing and developing markets in the Group’s best practices. companies in local markets. Europe and Asia. 8
02 A G E A S G R O U P I N PORTUGAL
02 VISION MISSION To be a benchmark on the To provide a Portuguese market, one of the meaningful insurance experience that makes a core markets of the Ageas Group, difference to people’s lives. and to be an exemplary employer for entrepreneurial-minded individuals. 10
02 THE EVOLUTION OF THE PRESENCE O F T H E A G E A S G R O U P I N P O R T U G A L 2005 The Ageas Group enters Portugal through a partnership with Millennium bcp 2014 Share in Non-Life/Médis increases from 51% to 100% Acquisition of AXA Portugal and Direct/Seguro Directo Now Ageas Seguros 2016 (Life & Non-Life business) Portugal becomes Ageas’ second home market Its companies in Portugal combined, 2017 Ageas is the second player in Life, third in Non-Life and second in the world ranking 11
02 W H Y PORTUGAL? To strengthen the Group’s position in a market where it has over 10 years of experience. To take advantage of growth opportunities arising from the recovery of the Portuguese economy. Through its various bodies and channels in the country, Ageas Portugal Group is able to operate as a multi-channel insurer and offer protection solutions to any client segment . 12
02 PORTUGAL A G E A S ’ S E C O N D H O M E M A R K E T 1 st 2 nd 2 nd 2 nd 3 rd Place Place Place In Overall Ranking Place in Pensions in Health in Life in Non-Life 13
02 2017 IN FIGURES FOR AGEAS PORTUGAL GROUP 4 299% SOLVENCY Ageas Seguros, BRANDS Médis, Ocidental II (standard formula) and Seguro Directo Non- Life: €628 million Combined 93.2% €2,2 billion -0.5% Life: €1,541 million +2.7% ratio Non-Life Gross inflows €99 million Market share (global) Net result 18.4% +63% 21.7% (Life) 13.5% (Non-Life) 1.8 million Clients Extensive distribution network (bancassurance, agents, B2B, Omni Internet, direct, affinities): +600 branches channel Life +3,000 agents & brokers + €115.1 million +22% Direct Platform + Médis Operating Margin 1,292 employees 14
02 O U R AMBITION To be a partner To create an unique To be market To be a To operate as an leaders reference unique organisation , culture for the for our clients, employer protecting them now while respecting the Ageas Portugal and in the future different commercial Group brands and legal entities 15
02 CORPORATE SOCIAL RESPONSIBILITY (CSR), A L O N G - T E R M S T R A T E G Y C R E AT E VAL U E F O R A M O R E protect act S U S TAI N A B L E W O R L D care we create value for a more we create value for a world we create value for a resilient world with longevity with higher healthier world quality V I S I O N | CSR is part of the way we do business, adding value for Clients, Society and overall Stakeholders, and aiming for 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 C O M M I T M E N T S 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 preparation of young segments future by promoting Work to prevent potential events with high impact in peoples innovative methods. the importance of long-term savings. lives and goods, while fostering solutions for communities protection 16
66 Institutions supported 5,329 KEY ▪ 27 supporting children and young people Hours of FIGURES ▪ 18 supporting social voluntary inclusion FOR 2017 work ▪ 5 supporting people The Ageas Foundation is a corporate voluntary organisation with disabilities ▪ 3 supporting elderly (IPSS - Private Institutions for Social Solidarity ) people founded in 1998. It brings people and partners together and pursues social solidarity ends within the community. 730 Volunteers 1,849 198 MISSION - To support the community by Shareholdings Solidarity promoting corporate volunteering actions and developing programmes with a social impact. 69% 31% 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 17
02 EXECUTIVE COMISSION A G E A S G R O U P P O R T U G A L Executive Comission Ageas Group Portugal Executive Comission JV Millennium bcp Steven Braekeveldt CEO Ageas Group Portugal and Continental Europe Anne Van den Bergh Carel Oosterloo Eduardo Consiglieri Nelson Machado Christophe José Gomes Pedroso CIO | Chief CFO | Chief Vandeweghe CEO Non Life | CEO Vida | Integration Officer Financial Officer CEO Health | Partnerships Bancassurance CRO | Chief Risk Officer Agents and Brokers Seguro Directo | B2C Manuel Lupi Belo Sales and Marketing Diogo Campello CFO Ocidental Life and Pensions 18
03 F O U R COMMERCIAL BRANDS
03 AGEAS SEGUROS W H AT S E T S U S A PA R T Professional and certified distribution network Loyalty card: Ageas World Website for private clients Apps Digital documents Strong social media presence, including customer service GPS: tracking service (engine) PAR: risk analysis and prevention for Corporate clients 20
03 1 st P R O F I L E Direct Insurance SEGURO DIRECTO Company in Portugal Consumer’s choice in 2014, 2015, 2017 and 2018 Automotive specialists over 20 years in the market Different services Repair service: Seguro Directo simple, efficient and direct discount card 21
03 OCIDENTAL W H A T H A S B E E N S E T T I N G U S A P A R T S I N C E 2 0 0 5 Bancassurance Differentiated value Simple Focus on the Profitability specialist proposal in health products segments management of profitable clients ▪ High capacity to ▪ Successful brand: Médis automate, standardise ▪ Innovative and simplify ▪ Distribution processes ▪ Close relationship with the main distributor 22
03 Personal 1 st P R O F I L E health service MÉDIS in Portugal Consumer’s choice since 2011 (7 consecutive years) Senior consumer’s choice 2017 and 2018 Health specialists over 20 years in the market Integrated system to serve everyone Médis Medical 24-hr nurses on App assistants the Médis line 23
04 RECOGNITION
04 T O G E T H E R W E H A V E B E E N A W A R D E D A N D R E C O G N I Z E D BY THE OUR CLIENTS AND THE MARKET… 25
THANK YOU.
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