Investor Presentaiton

Britam With you every step of the way Our Resilient Operations Retains Momentum and Drive Profitability Customer-centric model in place to deliver #OneBritam experience Kenyan Businesses are now aligned along the fully functional and resourced segments. Lean executive team in place • • • Growing topline & Improved Efficiency لكا Investments Strategy Growing Returns 12.8% growth in Gross Earned premium and Management fees 2.1% Drop in Normalized Operating Expenses Drop in Normalized Opex ratio to 32% (36% in 2020). 15.7% growth in investment Income Portfolio rebalancing to reduce the volatility of earnings in progress Outsourced management of Kilimani Serviced apartments to optimize returns. Continued growth & profitability of international businesses 25.5% contribution total Gross earned premiums (GEP). 3.3 percent growth of regional units GEP OIO Leveraging on technology Refreshed our IT strategy in line with our new business strategy. Continued enabling digital capabilities for our customers and intermediaries on our platforms Resourcing of new capabilities in line with. new IT strategy. Resolving areas of Concern Improved motor underwriting and focus on new business lines Improving property occupancy favorable to valuations. Britam Tower closed the year at 86% ahead of 75% year-end target. HF-65% drop in share of loss 12

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