Investor Presentaiton

4.4% 0.6% FY22 group highlights strong GWP trends. and steady underlying margin performance GWP growth Insurance margin¹ 14.4% 7.4% 13.8% 1.7% 5.7% 3.8% FY21 FY22 13.5% FY21 Reported margin 7.4% FY22 →Adjusted underlying margin iag Estimated COVID-19, ESL, FX and IAL exit impacts 5 FY22 Results | 12 August 2022 (1)IAG defines its underlying insurance margin as the reported insurance margin adjusted for net natural peril claim costs less the related allowance; prior period reserve releases or strengthening and credit spread movements. The adjusted underlying margin also excludes COVID-19 and discount rate timing impacts. A reconciliation is contained in Appendix 2.

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