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Linkage of CSR to Competitiveness

Aviva Life Insurance

Group - 2

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Aviva Life Insurance Company India Pvt.

Ltd Joint venture between Dabur [74%] and Aviva PLC

[26%]

Aviva Plc Parent company.

Started Operations in July 2002 Ranked the 11th best place to work in India.

3000 Financial planning advisors

25 branches in 22 locations

Main activities: Long term savings

Fund management

General insurance

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PLANET

PROFIT

PEOPLE

TRIPLE BOTTOM LINE

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BALNCE BETWEEN BUSINESS & SOCIAL

RESPONSIBILITY

PERFORMANCE

TEAM WORK

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CSR Activities of AVIVA PLC.

Aviva describes CSR as its corporate DNA

One of the 1st insurance companies to produce a CSR report

Eight Core Components:

Standards of business conduct

Customers Human rights

Work force

Health and safety

Suppliers

Community

Environment

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CSR Activities undertaken at Aviva,

India

Aviva India concentrated on two aspects: Community andEnvironment.

Focus: Supporting Asharan Hope

Associated with NGOs:

Blind Kids

Mentally challenges kids

Senior citizens

Provided day meals

Nights schools Donations

Education for office Boys

Regions : Asansol, Vadodra, Lucknow, Bangalore, Patna,Kolkata, Coimbatore

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AVIVA India Issues

How much of the CSR principle of the parent company

are applicable to AVIVA India?

Should it go ahead with a full fledged CSR?

At what pace should CSR be implemented?

When and How much to invest?

Will success be attributed to the fact that CSR has been in

practice?

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AVIVA India-Solutions

The company should continue with 8 core CSR components

Gradual and continuous implementation

Strict implementation of AVIVA Life Insurance-India CSR

program.

CSR Hierarchy Structure

Auditing

CSR should be aligned according to the size & location of the

individual branches

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AVIVA India-Solutions

Charity begins at home:

Subsidize policy for employees

Standards of business conduct:

Fair, transparent and honest business practices,

Start safe call hotline

Work force :

Rewards and recognition

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AVIVA India- Solution

Today there exists a two-way relationship between businesses and

societies. Business affects different segments of society and gets

affected in turn. Therefore, when companies like AVIVA

(service-industry) undertakes CSR keeping in mind the various

components operating around the organization with

accountability, transparency and social and environmental

investment; it definitely helps in enhancing the goodwill, brand

image and eventually brings success in the long run.

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EXHIBIT

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PARAMETERS UK AUSTRALIA USA CANADA PORTUGAL ROMANIA INDIA

STANDARDS OF

BUSINESSCONDUCT

EXTENSIVE EXTENSIVE EXTENSIVE EXTENSIVE MODERATE NOT REPORTED NOT REPORTED

CUSTOMERS EXTENSIVE EXTENSIVE EXTENSIVE EXTENSIVE MODERATE NOT REPORTED MODERATE

HUMAN RIGHTS EXTENSIVE EXTENSIVE MODERATE EXTENSIVE NOT REPORTED NOT REPORTED NOT REPORTED

WORK FORCE EXTENSIVE EXTENSIVE MODERATE EXTENSIVE MODERATE MODERATE NOT REPORTED

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PARAMETERS UK AUSTRALIA USA CANADA PORTUGAL ROMANIA INDIA

HEALTH & SAFETY EXTENSIVE EXTENSIVE EXTENSIVE MODERATE MODERATE NOT REPORTED NOT REPORTED

SUPPLIERS EXTENSIVE EXTENSIVE EXTENSIVE EXTENSIVE MODERATE MODERATE NOT REPORTED

COMMUNITY EXTENSIVE EXTENSIVE EXTENSIVE NOT

REPORTED

MODERATE EXTENSIVE

ENVIRONMENT EXTENSIVE EXTENSIVE EXTENSIVE EXTENSIVE NOT

REPORTED

NOT REPORTED NOT REPORTED

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PARAMETERS TURKEY SPAIN HUNGARY CZECH

REPUBLIC

IRELAND ITALY NETHERLAN

DS

FRANCE

STANDARDS

OF BUSINESS

CONDUCT

NOT

REPORTED

EXTENSIVE NOT

REPORTED

MODERATE EXTENSIVE MODERATE EXTENSIVE MODERATE

CUSTOMERS MODERATE EXTENSIVE EXTENSIVE MODERATE NOT REPORTED NOT

REPORTED

NOT

REPORTED

NOT

REPORTED

HUMAN

RIGHTS

NOT

REPORTED

EXTENSIVE LOW MODERATE MODERATE NOT

REPORTED

NOT

REPORTED

EXTENSIVE

WORK FORCE MODERATE MODERATE NOT

REPORTED

NOT REPORTED NOT

REPORTED

NOT

REPORTED

MODERATE

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PARAMETERS TURKEY SPAIN HUNGARY CZECH REPUBLIC IRELAND ITALY NETHERLANDS FRANCE

HEALTH &SAFETY

NOTREPORTED

NOTREPORTED

MODERATE MODERATE NOTREPORTED

NOT REPORTED MODERATE EXTENSIVE

SUPPLIERS NOT

REPORTED

EXTENSIVE NOT

REPORTED

NOT REPORTED MODERATE NOT REPORTED EXTENSIVE EXTENSIVE

COMMUNITY NOT

REPORTED

MODERAT

E

MODERATE EXTENSIVE NOT

REPORTED

NOT REPORTED EXTENSIVE EXTENSIVE

ENVIRONMENT NOT

REPORTED

EXTENSIVE EXTENSIVE MODERATE NOT

REPORTED

NOT REPORTED NOT

REQUIRED

EXTENSIVE

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Thank you!