Investor Presentaiton

Underlying margin movement 14.6% 13.9% -0.7% -1.2% 0.3% -2.5% 0.8% 13.4% 2.1% 12.6% FY22 Underlying margin FY22 COVID-19 benefit FY22 Underlying margin ex-COVID Increased perils Underlying claims allowance ratio Expense ratio Investment yield FY23 Underlying margin Reinsurance reinstatements 12 Results Presentation | 21 August 2023 FY23 adjusted underlying margin iag

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