Investor Presentaiton
Important information
This presentation contains general information current as at 21 August 2023 (unless otherwise stated) and
is not a recommendation or advice in relation to any product or service offered by Insurance Australia
Group Limited or its subsidiaries (IAG or the Group). It presents financial information on both a statutory
basis (prepared in accordance with Australian Accounting Standards which comply with International
Financial Reporting Standards (IFRS)) and non-IFRS basis. This presentation is not an invitation,
solicitation, recommendation or offer to buy, issue or sell securities or other financial products in any
jurisdiction.
The presentation should not be relied upon as advice as it does not take into account the financial
situation, investment objectives or particular needs of any person. The presentation should be read in
conjunction with IAG's other periodic and continuous disclosure announcements filed with the Australian
Securities Exchange (available at www.iag.com.au) and investors should consult with their own
professional advisers.
No representation or warranty, express or implied, is made as to the accuracy, adequacy, completeness or
reliability of any statements (including forward-looking statements or forecasts), estimates or opinions, or
the accuracy or reliability of the assumptions on which they are based.
Any forward-looking statements, opinions and estimates in this report are based on assumptions and
contingencies which are subject to change without notice, as are statements about market and industry
trends, which are based on interpretations of current market conditions. This includes statements
regarding IAG's targets, goals, ambitions, intent, belief, objectives, commitments and current expectations
regarding IAG's business, results, financial condition, capital adequacy, risk management practices and
market conditions.
Forward-looking statements may generally be identified by the use of words such as "should", "would",
"could", "will", "may", "expect", "intend", "plan", "forecast", "aim", "anticipate", "believe", "outlook",
"estimate", "project", "target", "goal", "ambition", "continue", "guidance", "aspiration" or other similar words.
Guidance on future earnings or performance are also forward looking statements. While IAG believes the
forward-looking statements to be reasonable, such statements involve risks (both known and unknown)
and assumptions, many of which are beyond IAG's control (including adverse natural peril events causing
losses to exceed forecasts, and uncertainties in the Australian and global economic environment). This
may cause actual results, outcomes, conditions or circumstances to differ from those expressed,
anticipated or implied in such statements. For further information on IAG's risks see the 'Strategy and risk
management' section of IAG's FY23 Annual Report.
In addition, there are particular risks and uncertainties associated with implementation of IAG's strategy
and related targets, ambitions and goals. As the targets, ambitions and goals span a number of years,
they are subject to assumptions and dependencies which have greater levels of uncertainty than guidance
given for FY24. IAG's ability to execute its strategy and realise its targets, ambitions and goals will depend
upon its ability to respond and adjust its business plans (as and when developed) to any changes in such
assumptions and dependencies, including disruptions or events that are beyond IAG's control.
Neither IAG, nor any other person, gives any representation, assurance or guarantee that the occurrence
of the events expressed or implied in any forward-looking statements in this presentation will actually
occur and undue reliance should not be placed upon such statements. IAG assumes no obligation to
update such information (except as required by law). Past performance is no guarantee or indication of
future performance.
To the maximum extent permitted by law, IAG and each of its directors, officers, employees, agents and
advisers disclaim all liability and responsibility for any direct or indirect loss, costs or damage which may
be suffered by any recipient through use of or reliance on anything contained in, implied by or omitted from
this presentation.
References to currency are to Australian dollars, unless otherwise specified. Prevailing exchange rates
have been used to convert local currency amounts into Australian dollars, where appropriate.
Further information, including IAG's business structure, portfolio and partnerships is available on IAG's
website at https://www.iag.com.au/about-us/what-we-do
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Results Presentation | 21 August 2023
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