1. Be profitable today and think about the future IT TRENDS IN INSURANCE AAIF 2012

2. Constantly improve your bottom line 1 Increase Sales Cost efficiency Sustainable bottom line July 5, 2012

3. Success Drivers of Insurance Business CONSTANTLY IMPROVE YOUR BOTTOM LINE IS 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? 2 July 5, 2012

4. 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

5. 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 DETECTION Improve quality of the production DIRECT SALES AND SELF-SERVICE VIA INTERNET 4July 5, 2012

6. Utilize Sales to maximum CUSTOMER SATISFACTION INDIVIDUAL ACCOUNTS CROSS SELLING: DATA MINING CLAIMS FRAUD DETECTION: DISTINGUISH GOOD CLIENTS FROM BAD ONES LOYALTY PROGRAMMES 5July 5, 2012

7. Utilize Sales to maximum DEPLOYMENT 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

8. Main IT drivers for Cost efficiency PRECISE REINSURANCE MODELS LEAN OPERATIONS CLAIMS FRAUD DETECTION SYSTEMS DATA EXCELLENCE 7July 5, 2012

9. Main IT drivers for Cost efficiency PRECISE 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

10. Main IT drivers for Cost efficiency LEAN 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 process 9July 5, 2012

11. Main IT drivers for Cost efficiency CLAIMS 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

12. Main IT drivers for Cost efficiency DATA 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

13. who we are CORE BUSINESS DEVELOPMENT OF CUSTOMIZED SOFTWARE APPLICATIONS AND 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

14. references ALLIANZ - 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 14 July 5, 2012

15. references UNDERWRITING PROCESS MANAGEMENT (UPM) An integrated, modular suite of software applications that delivers true process automation for Insurance Agencies LEASED ASSET INSURANCE PROGRAM (LAIP) A modular software application for managing the entire Insurance cycle of Leased equipment CUSTOMERS: PET SURE Australias leading provider of Pet health insurance PROTECSURE Australias only underwriting agency that specializes in insuring equipment GLOBAL TRANSPORT & AUTOMOTIVE INSURANCE / ALLIANZ Underwriting Agency and a leader in the Australian transport industry market I Australia 15July 5, 2012

16. references 16 MINISTRY OF INTERIOR OF THE SLOVAK REPUBLIC Schengen Information System I/II; REGOB (The Register of Citizens, IDs, Driving Licenses, Passports); EVO (The Vehicle Register, Wanted Vehicles); EZP (Firearms Register, Wanted Firearms) MINISTRY OF HEALTH OF THE SLOVAK REPUBLIC Complete IT infrastructure delivery and administration, Implementation of ERP solutions NEOGRAFIA Complete IT infrastructure delivery and administration, Implementation of ERP solutions T-COM SLOVAKIA gTel Route (Optimization of transit telecommunications business) SOCIAL INSURANCE AGENCY SLOVAK REPUBLIC Employer Liability Insurance UNIQUA, GENERALI, CARDIF Complete IT infrastructure delivery and administration EXIMBANKA SR InfoPortal – Insurance Portal DANUBE WINGS SR. LRIS - Air tickets booking information system I Others July 5, 2012

17. partners July 5, 2012 17

18. ISO standards INTEGRATED QUALITY MANAGEMENT SYSTEM Our Integrated Management System embraces complex management systems in accordance with international 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

19. thank you GRATEX INTERNATIONAL A.S. GBC IV, Galvaniho 17/C Bratislava, 821 04 Slovakia www.gratex.com GRATEX INTERNATIONAL AUST PTY Lakes Business Park Unit G1, 2B Lord Street Botany, NSW 2019 Australia www.gratex.com.au www.gtiinsurancesolutions.com 19July 5, 2012