01/04/2015

Aegon Life Ukraine – leader of Ukrainian life insurance market

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Aegon – one of the largest insurance groups in the world

>28 000employees

Present in more than 25 markets throughout America, Europe and Asia

> 48 000 000clients all over the world

AU AustraliaВМ BermudasBR Brazil

CA CanadaCN ChinaCZ Czech RepublicFR FranceDE GermanyHK Hong KongHU HungaryIN IndiaID IndonesiaIE Ireland JA JapanMX MexicoNL The NetherlandsPL PolandRO RomaniaSG SingaporeSK SlovakiaES SpainTH ThailandTR Turkey

UA UkraineGB Great BritainUS USA

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The highest league of the world insurance companies

*Source – www.forbes.com/global2000/ The World’s Biggest Public Companies Rating, as of December 31, 2014

Industry: diversified insurance

According to FORBES – Global 2000* rating Aegon is among ТОР-15largest insurance companies in the world

According to FORBES – Global 2000* rating Aegon is among ТОР-15largest insurance companies in the world

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AA- rating of financial stability

AS OF DECEMBER 31, 2014

Key performance indicators of Aegon Group

UNDERLYING EARNINGS BEFORE TAX

1 448 mln EUR*

REVENUE-GENERATING INVESTMENTS

558bln EUR*

34bln EUR*

PAID OUT IN CLAIMS AND BENEFITS

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AsiaRegional office on Hong KongJoint ventures in China, India and Japan

Europe

Partnership with La Mondiale in France; joint ventures in Spain and Portugal Hungary served as a spring board for further expansion in other countries of CEE

AmericaEntered American market under Transamerica brand. Partnership with companies in Brazil and Mexico

◄ 1844 1983 1983-2012 2012

Active international expansion of GroupHistory of Group

dates back to the first half of the 19th century

AEGON entered Ukrainian market

AEGON was established due to amalgamation of

&

Aegon's history dates back over 170 years

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The largest world brands are clients

that trust Aegon

The largest world brands are clients

that trust Aegon

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> 30 regional offices in Ukraine

Aegon Life Ukraine – a leading player of Ukrainian insurance market

>1 400employees of the company’s own Tied Network

85 947insured

Aegon Life Ukraine is present in most regions of Ukraine and has the biggest Tied Network in the country

Aegon Life Ukraine continues to provide services to clients in the region of anti-terrorist operation

>230 000clients as of 2003

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Protection from inflation based on indexation of insurance premium

Protection from inflation based on indexation of insurance premium

Flexible programs - “constructors”

Flexible programs - “constructors”

Individual treatment of each client

Individual treatment of each client

A range of new insurance products

Customer loyalty program

Customer loyalty program

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Aegon Life Ukraine clientsare

our inspiration

Aegon Life Ukraine clientsare

our inspiration

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Key performance indicators of Aegon Life Ukraine

INVESTMENT INCOMEover a period of 2014

PAID OUT IN CLAIMS over a period of 2014

ASSETS under management

37,4mln, UAH

322mln, UAH

9,1mln, UAH

INSURANCE PREMIUMover a period of 2014

143,9mln, UAH

AS OF DECEMBER 31, 2014

2012 2013 2014

INSURANCE RESERVESmln, UAH

SHAREHOLDER’S CAPITAL, mln, UAH

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Aegon Life Ukraine – among leaders of life insurance ratings

*Source: Rating of life insurance companies over 12 months of 2014, forinsurer.com/ratings

GWP

143 856 000 UAH№

INSURED85 947

№

RETIREMENT PRODUCTS

14 040 000 UAH№

INDIVIDUAL LIFE INSURANCE

115 195 000 UAH№

INVESTMENT INCOME

26 922 000 UAH№

INSURANCE CLAIMS

9 133 000 UAH№

INSURANCE RESERVES

223 467 000 UAH№

EQUITY CAPITAL141 498 000 UAH

№Aegon Life Ukraine is on the list of ТОР-10Ukrainian life insurance companies in terms of all indicators in the industry *

Aegon Life Ukraine is on the list of ТОР-10Ukrainian life insurance companies in terms of all indicators in the industry *

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Aegon Life Ukraine is on the list of ТОР-3 Ukrainian life insurance companies in individual life insurance sector

Development of individual insurance sector is a strategic priority

MARKET SHARE*in individual life insurance sector

15%

Market share in 2013 - 8,1%

41 025insured*

INDIVIDUAL INSURANCE:

39 376insurance contracts*

*As of December 31, 2014

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Aegon Life Ukraine is on the list of ТОР-3 Ukrainian life insurance companies in terms of annual investment income

Market leader in terms of investment income indicator

DYNAMICS OF INVESTMENT INCOMEfor insurance contracts by year, UAH, %

THE MOST PROFESSIONAL TEAM OF INVEST MANAGERS IN UKRAINE

CONSTANT SUPPORT OF LEADING ASSET MANAGERS OF AEGON GROUP

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Maturity4 162 526

Death1 922 229

Hospitalization237 718

Disability193 997

Critical illnesses441 677

Injury2 174 338

Claims and benefits paid out by Aegon Life Ukraine

YearInsurance claims, UAH

Cases insured

2014 9 132 585 1 232

2013 5 856 650 1 031

2012 3 964 431 1 883

2011 2 434 671 1 868

2010 1 169 000 632

2009 1 636 106 550

TOTAL

9 132 485UAH

STRUCTURE OF INSURANCE CLAIMS IN 2014 ANNUAL DYNAMICS OF CLAIMS

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Management of Aegon Life Ukraine

Gijs JeukenSVB Chairman/ Country Manager

Nina GuzeiCEO/ General Director

Sergey DorfmanCSO/ Board Member

Tatyana BartashchukCFO/ Board member

Nataliya TaradayDirector of Corporate and Bancassurance

Ekaterina KoshkinaExecutive Director HR, Marketing and Communication

Irina KovbasaCOO

Aleksey KozenkoDirector of Broker Sales