2023 Preliminary Results VIG Presentation

STRONG KEY PERFORMANCE INDICATORS OF VIG

Solid results and proof of resilience again in 2023

DIVIDEND PROPOSAL OF € 1.40 PER SHARE

Attractive dividend yield in line with the industry

1. Management proposal, subject to approval of the Annual General Meeting
2. IFRS 17/9 adjusted (reported 2022: € 3.58)

ACHIEVEMENTS IN 2023

Sustained development in the VIG 25 Strategic Programme

VIG 25

• Customer Experience (CX) Competence Centre for VIG established and CX measurement approach for annual measurement defined
• VIG launched cashback system for responsible driving in the Czech Republic as part of its ecosystem motor
• First VIG Innovation Day took place in 2023 and a new VIG Xelerate platform got launched
• VIG started Global Assistance in Croatia
• VIG 25 Sustainability Programme defined as an integral part of our business model, with the goal of achieving net-zero greenhouse gas emissions from both the investment and underwriting portfolios by 2050
• Group Sustainability Office (GSO) and Sustainability Committee established
• Risk competence study conducted in 9 CEE countries as basis for targeted activities to increase risk literacy in the CEE region

M&A

• Acquisition of Slovakian pension fund company 365.life by Kooperativa
• Closing of the acquisition of the Polish and Romanian entities of the former Aegon CEE business
• Increasing the stake in the Hungarian business to 90%
• Merger of Polish Group companies underway to strengthen market position in Poland

SUCCESSFUL PARTNERSHIP WITH ERSTE GROUP

Strong double-digit new business growth

CO3: COMMUNICATION | COLLABORATION | COOPERATION

New strategic focus driven by a dedicated Group function

• Collaboration fosters the exchange of know-how and expertise on all levels across all entities and countries
• Cooperation focuses on identifying synergies between VIG companies being active in the same country
• • In line with local entrepreneurship, evaluations along the value chain are carried out by local management teams
  • Local management is aware of opportunities and potential limitations such as regulatory requirements of local supervisory authorities, best market practices and cultural sensitivities of local group companies
  • Decision on appropriate format of cooperation depending on areas identified; level of institutionalisation ranges from temporary task forces on specific topics, to cooperative projects, up to the creation of competence centres
• Communication provides the framework for all collaboration and cooperation activities and makes them visible via various channels - in addition to regular duties of corporate communications

HIGHLIGHTS

FINANCIALS

OUTLOOK

SEGMENTS

APPENDIX

Please note that rounding differences may occur Comparative figures for 12M 2022 restated due to IFRS 17/9

1 Represents valuation results (non-cash components)