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Investor Presentaiton

Core messages during the investor presentation a.s.r ►No changes to underlying business fundamentals or cashflows ► No impact on existing share buyback commitment and progressive dividend policy ►Higher volatility expected in net result, mostly driven by operating result ► Change in timing of earnings recognition anticipated mostly impacting Life products Admiral Group PLC No change in ultimate profitability of business written No impact on group strategy, solvency, dividend policy and cash generation ► No effect on investment and interest income on assets ►Equity to reduce ► Will maintain conservative reserving policy Enhanced disclosures in respect of claims reserves Ageas No change to dividend strategy, economic leverage, capital and cash generation, and solvency position Limited impact on net- operating result and non-life liabilities Limited transition impact on shareholders' equity for consolidated entities while more stable equity development is expected over time Allianz ►Limited economic impact (SII, cash flows, dividend) ► Strong fundamentals (operating profit slightly higher, net income similar level, equity less volatile and adjusted for OCI slightly lower, ROE slightly higher) ➤Improved disclosures (transparency, comparability, simplicity, profitability) Aviva No impact on cash remittances, capital generation, financial targets, dividend guidance ► £3b reduction in shareholders' equity although adjusted shareholders' equity (including CSM) higher by circa £2b and broadly equal to Solvency II net assets ► Operating profit to reduce by circa 15% per annum 60% of operating profit unaffected by IFRS 17 15 Market updates on impact of IFRS 17 and IFRS 9 EY
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