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Investor Presentaiton

Continued execution of AIG 200, a global, multi-year initiative to achieve transformational change and $1B of GOE savings The Standard Commercial Underwriting Platform will modernize global underwriting capabilities by simplifying processes and tools to create a contemporary data architecture General Insurance 2 Transform Japan business into a next-generation digital insurance company with the ability to offer "anywhere, anytime, any device" experience 3 Shared 4 Services 5 Information Technology 6 7 Finance 8 Improve decision-making in Private Client Group through modernizing legacy technology and moving to digitized workloads Create AIG Global Operations, a multifunctional, fully integrated operating model with digitally enabled end-to-end process and increased scope and scale Transform IT operating model Build a modern, scalable and secure technology foundation to improve operational stability and enable faster business technology deployment Transform Finance operating model Modernize infrastructure through technology solutions and simplify finance and actuarial processes, while materially improving analytics capabilities Create a highly efficient global procurement and sourcing organization to leverage our purchasing power, maximize value, minimize risk, and support sustained profitable growth Procurement 9 Real Estate 10 Optimize portfolio to ensure it is cost effective, resilient and reflective of global footprint AIG 200 Costs to Achieve and GOE Benefits 1H'20 2020E 2021E 2022E Total Comments ($M) Investment / Costs to Achieve Capitalized assets, not in APTI initially $32 $100 $200 $100 $400 Amortized / depreciated in GOE / APTI when IT or capital asset placed into service¹ Restructuring and Other charges, $109 $250 $300 $350 $900 in Net Income No impact to APTI; primarily related to professional, IT and restructuring fees Total investment $141 $350 $500 $450 $1,300 Run-rate net GOE savings, ~$140 $300 $600 cumulative¹ Annual net benefit to APTI $1502 AIG 1H20 GOE savings of -$40M, which translates to ~$140M on an annualized basis; part of the planned $300M by year-end ~75% in Gl; ~12.5% in L&R; ~12.5% in Other Operations 1) Includes estimated amortization / depreciation related to the capitalized assets of $10M-$15M and $25M-$30M for 2021 and 2022, respectively. The unamortized balance will be expensed at ~$50M per year from 2023-2027 and the remainder will trail off in the periods thereafter. 2) Initial estimate based on full year expense savings due to AIG 200 that result in $300M exit run-rate in 4Q20. 11 $1,000
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