Investor Presentaiton

• New Zealand MARKET ISSUES Key issues in main motor and property portfolios Shortage of housing stock Targeting 100,000 new homes over 10 years Claims inflation building costs, regulation Increased urbanisation More cars in towns and cities ~1,000 new cars a Increased claim costs frequency + average cost Actions Rating actions - pricing for risk Policy revisions - e.g. methamphetamine contamination. Site deductibles Supply chain optimisation IAG Investor Day | 11 April 2018 • week Actions Underwriting: rates, excesses, policy wording Supply chain response • Fleet risk management proposition iag

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