Be profitable today and think about the futureIT TRENDS IN INSURANCEAAIF 2012

Constantly improve your bottom line

1

Increase Sales

Cost efficiency

Sustainable bottom line

July 5, 2012

Success Drivers of Insurance Business

CONSTANTLY IMPROVE YOUR BOTTOM LINEIS YOUR IT SOLUTION NPV POSITIVE?

DOES YOUR IT SOLUTION BRING VALUE TO USER/CUSTOMER?

IS YOUR SALES FORCE WORKING EFFICIENTLY?

HOW DO YOU HANDLE YOUR CLIENT BASE?

HOW CAN I IMPROVE MY COMPETITIVE ADVANTAGE? CAN I GET PRECISE CALCULATION OF PRODUCTS?

2July 5, 2012

Main trends in IT solutions

TREND I.: MOBILE OFFICE FOR SALES FORCE AND ON-LINE SALES

TREND II.: IMPROVING CUSTOMER SERVICE AND CLAIM MANAGEMENT – THAT LEADS TO ENHANCED CUSTOMER SATISFACTION

TREND III.: IMPROVED SALES EFFICIENCY AND COST EFFECTIVENESS.

3July 5, 2012

Utilize Sales to maximum

MOBILE OFFICE FOR SALES FORCE:Portable solutions (Tablets, smartphones, …): an easy to learn unified environment for Activity management, Commission reports, Product pricing, CRM, etc.

COMMISSION FRAUD DETECTIONImprove quality of the production

DIRECT SALES AND SELF-SERVICE VIA INTERNET

4July 5, 2012

Utilize Sales to maximumCUSTOMER SATISFACTION

INDIVIDUAL ACCOUNTS

CROSS SELLING: DATA MINING

CLAIMS FRAUD DETECTION: DISTINGUISH GOOD CLIENTS FROM BAD ONES

LOYALTY PROGRAMMES

5July 5, 2012

Utilize Sales to maximumDEPLOYMENT OF SOLVENCY II METHODOLOGY

MORE PRECISE PRICING FOR CUSTOMERS

SOLVENCY II ADDS BETTER VIEW ON CAPITAL COSTS

SOLVENCY II BRINGS MORE DETAILS ON YOUR PRODUCTS

6July 5, 2012

Main IT drivers for Cost efficiency

PRECISE REINSURANCE MODELS

LEAN OPERATIONS

CLAIMS FRAUD DETECTION SYSTEMS

DATA EXCELLENCE

7July 5, 2012

Main IT drivers for Cost efficiencyPRECISE REINSURANCE MODELS

TRANSPARENT, CONSISTENT, TRACKABLE AND AUDITABLE DATA

ACTIVE MANAGEMENT OF RISKS

ACCOUNTING PER RISK AND KEEPING THE WHOLE HISTORY (ALL VERSIONS OF SPECIFIC POLICY)

EFFECTIVE FRAUD DETECTION

EASY ACCESS TO ALL INFORMATION IN ONE INTEGRATED SYSTEM

MULTIPLATFORM OPERABILITY

SOLVENCY II READINESS 8July 5, 2012

Main IT drivers for Cost efficiencyLEAN OPERATIONS

IT SOLUTIONS FOR AUTOMATION OF DOCUMENT PROCESSING (DMS)• Automate your back office• Decrease in personnel costs• Increase throughput ratio• Get all necessary information into the systems

EFFICIENT CLAIM MANAGEMENT• Reduce your processing time• Reduce your paperwork• Increase accuracy of the claim management

process9July 5, 2012

Main IT drivers for Cost efficiencyCLAIMS FRAUD DETECTION SYSTEMS

ENHANCE FIGHT AGAINST FRAUDULENT BEHAVIOR• Advanced scoring systems• Social networks• On-line case management

INCREASE CUSTOMER SATISFACTION, DISTINGUISH BETWEEN GOOD AND BAD CLIENTS

IMPROVE BOTTOM LINE BY DECREASING THE CLAIMS

10July 5, 2012

Main IT drivers for Cost efficiencyDATA EXCELLENCE

DATA QUALITY – HIGH DATA QUALITY RESULTS IN INCREASED BUSINESS PROCESS EFFICIENCY. LOW DATA QUALITY LEADS TO ERRORS, ADDITIONAL COSTS AND INEFFICIENCIES

DATA GOVERNANCE –  ENABLES DATA QUALITY TO BE MEASURED, EG. COMPLETENESS, ACCURACY, CONSISTENCY ETC….

ALIGN AND LINK BUSINESS OBJECTIVES TO DATA MANAGEMENT PROCESSES VIA BUSINESS RULES AND DATA QUALITY.

PUT IN PLACE A HIGH LEVEL METHODOLOGY THAT LINKS ALL THE ESSENTIAL COMPONENTS OF DATA EXCELLENCE AS PART OF AN IMPLEMENTATION STRATEGY.

11July 5, 2012

who we areCORE BUSINESS

DEVELOPMENT OF CUSTOMIZED SOFTWARE APPLICATIONSAND SYSTEM INTEGRATION.Established in 1991

Revenue 2011 34 mil. €

380+ employees

SINCE 1994 IN INSURANCE

IBM Premier Business Partner, ORACLE Gold Partner, MICROSOFT Gold Certified Partner,HP Gold Preferred Partner, SYMANTEC, TCOM, SAP, CISCO, Samsung SDS

13July 5, 2012

referencesALLIANZ - SLOVENSKÁ POISŤOVŇA (General – Life and Non-life Insurance)

ALLIANZ - SLOVENSKÁ DÔCHODKOVÁ SPRÁVCOVSKÁ SPOLOČNOSŤ (Pension Fund Management)

ALLIANZ ASSET MANAGEMENT (Private Equity Management)

ALLIANZ BUSINESS SERVICES - ALLIANZ ŢIRIAC ASIGURARI(Reinsurance)

ALLIANZ LIFE KOREA (Life Insurance – in cooperation with Samsung SDS)

I Allianz Group

14July 5, 2012

referencesUNDERWRITING PROCESS MANAGEMENT (UPM)An integrated, modular suite of software applications that delivers true process automation forInsurance Agencies

LEASED ASSET INSURANCE PROGRAM (LAIP)A modular software application for managing the entire Insurance cycle of Leased equipment

CUSTOMERS:

PET SUREAustralia’s leading provider of Pet health insurance

PROTECSUREAustralia’s only underwriting agency that specializes in insuring equipment

GLOBAL TRANSPORT & AUTOMOTIVE INSURANCE / ALLIANZUnderwriting Agency and a leader in the Australian transport industry market

I Australia

15July 5, 2012

references

16

MINISTRY OF INTERIOR OF THE SLOVAK REPUBLICSchengen Information System I/II; REGOB (The Register of Citizens, ID’s, Driving Licenses, Passports); EVO (The Vehicle Register, Wanted Vehicles); EZP (Firearms Register, Wanted Firearms)MINISTRY OF HEALTH OF THE SLOVAK REPUBLICComplete IT infrastructure delivery and administration, Implementation of ERP solutionsNEOGRAFIAComplete IT infrastructure delivery and administration, Implementation of ERP solutionsT-COM SLOVAKIAgTel Route (Optimization of transit telecommunications business)SOCIAL INSURANCE AGENCY SLOVAK REPUBLICEmployer Liability InsuranceUNIQUA, GENERALI, CARDIFComplete IT infrastructure delivery and administrationEXIMBANKA SRInfoPortal – Insurance PortalDANUBE WINGSSR. LRIS - Air tickets booking information system

I Others

July 5, 2012

partners

July 5, 2012 17

ISO standardsINTEGRATED QUALITY MANAGEMENT SYSTEMOur Integrated Management System embraces complex management systems in accordance withinternational ISO standards including international SKQS, IQNet and DQS Certificates

ISO 9001: 2008 – Quality Management System

ISO 27001: 2005 – Information Security Management System

ISO 14001: 2004 – Enviromental Management

OHAS 18001: 2007 – Occupational Health and Safety Management Systems Requirements Standard

18July 5, 2012

thank youGRATEX INTERNATIONAL A.S.GBC IV, Galvaniho 17/CBratislava, 821 04Slovakia

www.gratex.com

GRATEX INTERNATIONAL AUST PTYLakes Business ParkUnit G1, 2B Lord StreetBotany, NSW 2019Australia

www.gratex.com.auwww.gtiinsurancesolutions.com

19July 5, 2012