2021 Results and Financial Review

Simplifying and transforming our cost base Making good progress on key levers¹ Momentum 2021 All footnotes on pages 64-66 Ambition -11% IT simplification -25% IT applications Product simplification Digitisation & automation -30% -65% UKGI PL products 52% >75% UK customer journeys We are moving headquarters St Helen's 80 Efficiency EightyFen Property footprint -36% Square feet -40% original target -30% Organisation simplification -7% People cost 2019-21 Further opportunities 47% reduction in HQ footprint² £7m cost reduction p.a. 700+ tonnes CO₂ savings p.a. Smart working fully adopted Investing £200m over 2022-23 to complete our £750m cost reduction target³ by 2024 AVIVA 39 39

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