Presentation

U.S. Regulated Equity Markets (Alternative Disclosure) via PUBT

Introduction to Travelers

4Q 2021

Long-Term Financial Strategy

	Generation of	Balanced
	approach to
Meaningful and	top tier earnings
rightsizing
sustainable	and capital
capital and
competitive	substantially in
growing book
advantages	excess of growth
value per share
	needs
	over time

CREATE SHAREHOLDER VALUE

Objective: Mid-Teens Core ROE Over Time

Enterprise Key Competitive Advantages

Retufocused company

Product breadth and specialization

Leading U.S. commercial insurance writer in 2020 with a top 5 position in five major product lines1, including a #1 position in workers' compensation, and commercial multi peril
Top 3 writer in personal insurance through independent agents2, including #1 in homeowners

Leadership position with distribution

Leading commercial lines insurer in the UBS Semi-Annual Insurance Agent Survey when agents were asked to identify their commercial lines carriers3
Relationships with more than13,500 independent agencies and brokers

Industry leading data and analytics

Approximately35 predictive claim models leveraging data and analytics to improve claim outcomes for our customers and efficiency for us
Proprietary risk assessment database with200M+ data points compiled over more than a decade

Industry leading claim and risk control capabilities

More than500 risk control professionals, including a diverse set of engineers and industry specialists
Our comprehensive catastrophe response provides Travelers with the industry-leading capability to handle CAT losses with our own, experienced employees. In 2021, nearly 92% of CAT Personal Insurance property claims were closed in 30 days

$32b	Net Written	>6m	Customers	13.5k	Agency & Broker
Premiums	Insured	Relationships

3	1 S&P Global Market Intelligence. 2020 U.S. Statutory DWP: Commercial Multi-Peril (Commercial Multiple Peril (Liability), Commercial Multiple Peril (Non-Liability), Farmowners Multiple Peril); Commercial Auto (Commercial	2	U.S. AM Best Data Statutory DWP, 2020
3	UBS Semi-Annual Insurance Agent Survey September 2021
	Auto No-Fault (Personal Injury Protection), Commercial Auto Physical Damage, Other Commercial Auto Liability); General Liability (Other Liability: Occurrence, Product Liability); Workers' Compensation; and Surety.

Strong & Simple Balance Sheet

		($ in millions, except per share amounts)		$109.76
				$99.54
			$92.76
	$83.36	$87.27			$7,290
$6,437	$6,564	$6,558	$6,550
$6,571
$80.44

$22,491

$22,619

$23,007

$23,697

$25,127

$26,472

2016	2017	2018	2019	2020	2021
				At December 31,
		Common Shareholders' Equity 1			Total Debt	Adjusted Book Value per Share 1

1 Excludes net unrealized investment gains (losses), net of tax, included in shareholders' equity

Travelers Business Segments

2021 Net Written Premiums: $32.0 Billion

Personal Insurance

$12.5B

Business Insurance

$16.1B

Bond &

Specialty

Insurance

$3.4B

Attachments

Disclaimer

The Travelers Companies Inc. published this content on 28 February 2022 and is solely responsible for the information contained therein. Distributed by Public, unedited and unaltered, on 01 March 2022 17:41:33 UTC.