Interim Results
WE SEE SIGNIFICANT OPPORTUNITY TO CREATE A
DIVERSIFIED GROWTH BUSINESS
Insurance
Now
Next year
Five years
Ten years
Travel
Cruise
Money
Media
• Insurance
dominates
earnings but
with...
• Low growth
⚫ High regulation
• Low frequency
and lower
customer
engagement
Insurance
becoming a lower
proportion of
earnings
Cruise and Travel
growth
All Business units driving E³-R²
Cruise and Travel growth
Move towards a more capital-
light model as Saga Money and
Saga Media start to scale
⚫ Sophisticated analysis of The
Big Window insights and data
investment creates LTV
More balanced PBT across
Cruise, Travel, Media, Money and
Insurance
Growth in customer numbers,
engagement and frequency of
interaction
Note that the
charts on the
left reflect an
illustrative
level of
earnings and
mix of
business only
Lifetime value model driven by data
28
Interim results for the six months ended 31 July 2022
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