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Full-year Results 2020

Swiss Life FY 2020: Strong increase in fee result Net profit, RoE¹) CHF m, % 1 205 10.8% -13% 1 051 9.4% 8-10% FY 2019 FY 2020 Target 2021 Fee result Net profit RoE CHF m +11% 600-650 601 541 FY 20192) FY 20202) Target 2021 Risk result CHF m VNB, NBM CHF m, % -1% 400-450 -17% 411 407 561 465 FY 20192) FY 20202) Target 2021 1) Equity excl. unrealised gains/losses 2) Adjusted as outlined on slide 9 3 | Investor presentation | Full-year results 2020 2.6% 1.9% > 1 200 (2019-2021) VNB NBM FY 2019 FY 2020 Target 2021 SwissLife

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