Investor Presentation

①...topped up with an increasing frequency of major weather events Long-term trend with increasing number of major weather events INSURANCE LOSS EVENTS WORLDWIDE BY EVENT TYPE 1980-2017 CAGR 1980-2017 Geophysical events 1.7% Meteorological events 1.7% Hydrological events 4.9% Climatological events 3.0% Total 3.0% # of events 299 288 263270 274 247 224 601 3.0% 566 552 530 521 527 500 477 486 463 466 448 448 447443 448 431 415 411 395 384 381 356 359 336 1980 1981 1982 1983 1984 1985 1986 1987 1988 1989 1990 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 Geophysical events Meterological events 2007 2008 2009 2010 2011 2012 2013 2014 2015 648 2016 582 2017 678 742747730 MITIGATED BY FLEXIBLE OPERATING MODEL Commentary The remaining share of sales is driven by increasing number of major events, such as storms and floods Weather impact on a group level mitigated by Polygon's geographic diversification across 14 countries The geographic diversification also allows Polygon to benefit from major events in 14 different countries Temporary Climate UK and US Solutions US Moisture Control Sweden Document Restoration Complex and Industrial Losses Emergencies Germany Netherlands Stable growth YoY (EURm) Centres of Excellence. Countries in the Polygon Group 173.0 165.9 160.0 157.8 158.1 148.2 147.1 139.8 Sales not dependent on any peak-seasons Note: Natural disasters in chart include geophysical events (e.g. earthquakes), meteorological events (e.g. storms), hydrological events (e.g. floods) and climatological events (e.g. extreme temperature, droughts and forest fires) Source: Munich RE, NASA, Company information SUPPORTING MATERIALS | POLYGON 32 Q4 '17 Q4 '18 Q1 '18 Q1 '19 Q2 '18 Q2 '19 Q3 '18 Q3'19

View entire presentation