Allianz Malaysia Bhd. · MYX:ALLIANZ

Allianz Malaysia Bhd — Shareholder Meeting (May 2018)

65 slides from Allianz Malaysia Bhd's shareholder meeting presentation, May 22, 2018

1. Slide 1: Allianz Malaysia Berhad 44th Annual General Meeting

   ALLIANZ MALAYSIA BERHAD (12428-W) 44TH ANNUAL GENERAL MEETING 22 May 2018 © Copyright Allianz

2. Slide 2: Poll Administrator and Scrutineers

   POLL ADMINISTRATOR AND SCRUTINEERS Poll Scrutineer Administrator Tricor Investor & BDO Governance Issuing House Advisory Sdn Bhd Services Sdn Bhd © Copyright Allianz 2

3. Slide 3: Shareholders Who Have Appointed Chairman as Proxy

   SHAREHOLDERS WHO HAVE APPOINTED CHAIRMAN AS PROXY No. Name of Shareholders No. of Vote Vote Abstain Shares For Against 1. Maybank Nominees (Tempatan) Sdn Bhd 65,800 OR1, OR2, OR3, OR4, OR5, OR6 and OR8 OR7 - 2. Maybank Nominees (Tempatan) Sdn Bhd 100,900 OR1, OR2, OR3, OR4, OR5, OR6 and OR8 OR7 - 3.

4. Slide 4: Shareholders Who Have Appointed Chairman as Proxy (continued)

   SHAREHOLDERS WHO HAVE APPOINTED CHAIRMAN AS PROXY(CONTINUED) No. Name of Shareholders No. of Vote Vote Abstain Shares For Against 7. Maybank Nominees (Tempatan) Sdn Bhd 59,600 OR1, OR2, OR3, OR4, OR5, OR6 and OR7 - OR8 8. Maybank Nominees (Tempatan) Sdn Bhd 542,300 OR1, OR2, OR3, OR4, OR5, OR6 and O

5. Slide 5: Shareholders Who Have Appointed Chairman as Proxy (continued)

   SHAREHOLDERS WHO HAVE APPOINTED CHAIRMAN AS PROXY(CONTINUED) No. Name of Shareholders No. of Vote Vote Abstain Shares For Against 13. Citigroup Nominees (Tempatan) Sdn Bhd 3,997,900 OR1, OR2, OR3, OR4, OR5 and OR6 OR7 and OR8 - 14. Citigroup Nominees (Tempatan) Sdn Bhd 250,000 OR1, OR2, OR3, OR4, OR

6. Slide 6: Shareholders Who Have Appointed Chairman as Proxy (continued)

   SHAREHOLDERS WHO HAVE APPOINTED CHAIRMAN AS PROXY(CONTINUED) No. Name of Shareholders No. of Vote Vote Abstain Shares For Against 19. Cartaban Nominees (Asing) Sdn Bhd 376,800 All - - 20. Cartaban Nominees (Asing) Sdn Bhd 40,000 All - - 21. Cartaban Nominees (Asing) Sdn Bhd 13,000 OR1, OR2, OR3, OR4

7. Slide 7: Shareholders Who Have Appointed Chairman as Proxy (continued)

   SHAREHOLDERS WHO HAVE APPOINTED CHAIRMAN AS PROXY(CONTINUED) No. Name of Shareholders No. of Vote Vote Abstain Shares For Against 25. Citigroup Nominees (Asing) Sdn Bhd 114,000 OR1, OR2, OR3, OR4, OR5, OR6 and OR8 OR7 - 26. Citigroup Nominees (Asing) Sdn Bhd 28,800 OR1, OR2, OR3, OR4, OR5, OR6 and O

8. Slide 8: Shareholders Who Have Appointed Chairman as Proxy (continued)

   SHAREHOLDERS WHO HAVE APPOINTED CHAIRMAN AS PROXY(CONTINUED) No. Name of Shareholders No. of Vote Vote Abstain Shares For Against 31. Amanahraya Trustees Berhad Affin Hwang 258,500 OR1, OR2, OR5, OR6 and OR7 - OR3, OR4, Principled Growth Fund OR8 32. DB (Malaysia) Nominee (Asing) Sdn Bhd 5,500 OR2,

9. Slide 9: Shareholders Who Have Appointed Chairman as Proxy (continued)

   SHAREHOLDERS WHO HAVE APPOINTED CHAIRMAN AS PROXY(CONTINUED) No. Name of Shareholders No. of Vote Vote Abstain Shares For Against 37. DB (Malaysia) Nominee (Asing) Sdn Bhd 2,800 OR1, OR2, OR3, OR4, OR5, OR6 and OR8 OR7 - 38. DB (Malaysia) Nominee (Asing) Sdn Bhd 27,900 OR1, OR2, OR3, OR4, OR5, OR6 a

10. Slide 10: Shareholders Who Have Appointed Chairman as Proxy (continued)

    SHAREHOLDERS WHO HAVE APPOINTED CHAIRMAN AS PROXY(CONTINUED) No. Name of Shareholders No. of Vote Vote Abstain Shares For Against 43. DB (Malaysia) Nominee (Asing) Sdn Bhd 2,300 OR1, OR2, OR3, OR4, OR5, OR6 and OR8 OR7 - 44. DB (Malaysia) Nominee (Asing) Sdn Bhd 19,100 OR1, OR2, OR3, OR4, OR5, OR6 a

11. Slide 11: Shareholders Who Have Appointed Chairman as Proxy (continued)

    SHAREHOLDERS WHO HAVE APPOINTED CHAIRMAN AS PROXY(CONTINUED) No. Name of Shareholders No. of Vote Vote Abstain Shares For Against 49. DB (Malaysia) Nominee (Asing) Sdn Bhd 7,700 OR1, OR2, OR3, OR4, OR5, OR6 and OR8 OR7 - 50. DB (Malaysia) Nominee (Asing) Sdn Bhd 8,000 OR1, OR2, OR3, OR4, OR5, OR6 an

12. Slide 12: Shareholders Who Have Appointed Chairman as Proxy (continued)

    SHAREHOLDERS WHO HAVE APPOINTED CHAIRMAN AS PROXY(CONTINUED) No. Name of Shareholders No. of Vote Vote Abstain Shares For Against 55. DB (Malaysia) Nominee (Asing) Sdn Bhd 22,300 OR1, OR2, OR3, OR4, OR5, OR6 and OR8 OR7 - 56. DB (Malaysia) Nominee (Asing) Sdn Bhd 4,400 OR2, OR3, OR4, OR5, OR6, OR7 a

13. Slide 13: Shareholders Who Have Appointed Chairman as Proxy (continued)

    SHAREHOLDERS WHO HAVE APPOINTED CHAIRMAN AS PROXY(CONTINUED) No. Name of Shareholders No. of Vote Vote Abstain Shares For Against 61. DB (Malaysia) Nominee (Asing) Sdn Bhd 240,500 OR1, OR2, OR3, OR4, OR5, OR6 and OR7 - OR8 62. DB (Malaysia) Nominee (Asing) Sdn Bhd 210,050 OR1, OR2, OR3, OR4, OR5, OR

14. Slide 14: Shareholders Who Have Appointed Chairman as Proxy (continued)

    SHAREHOLDERS WHO HAVE APPOINTED CHAIRMAN AS PROXY(CONTINUED) No. Name of Shareholders No. of Vote Vote Abstain Shares For Against 67. Citigroup Nominees (Tempatan) Sdn Bhd 6,900 OR1, OR2, OR3, OR4, OR5, OR6 and OR8 OR7 - 68. HSBC Nominees (Asing) Sdn Bhd 20,500 OR2, OR4, OR6 and OR7 OR1, OR3, - OR5

15. Slide 15: Shareholders Who Have Appointed Chairman as Proxy (continued)

    SHAREHOLDERS WHO HAVE APPOINTED CHAIRMAN AS PROXY(CONTINUED) No. Name of Shareholders No. of Vote Vote Abstain Shares For Against 73. HSBC Nominees (Asing) Sdn Bhd 8,800 OR1, OR2, OR3, OR4, OR5, OR6 and OR8 OR7 - 74. HSBC Nominees (Asing) Sdn Bhd 40,400 OR1, OR2, OR3, OR4, OR5, OR6 and OR8 OR7 - 75.

16. Slide 16: Shareholders Who Have Appointed Chairman as Proxy (continued)

    SHAREHOLDERS WHO HAVE APPOINTED CHAIRMAN AS PROXY(CONTINUED) No. Name of Shareholders No. of Vote Vote Abstain Shares For Against 79. HSBC Nominees (Asing) Sdn Bhd 5,200 OR1, OR2, OR3, OR4, OR5, OR6 and OR8 OR7 - 80. HSBC Nominees (Asing) Sdn Bhd 5,700 OR1, OR2, OR3, OR4, OR5, OR6 and OR8 OR7 - 81.

17. Slide 17: Shareholders Who Have Appointed Chairman as Proxy (continued)

    SHAREHOLDERS WHO HAVE APPOINTED CHAIRMAN AS PROXY(CONTINUED) No. Name of Shareholders No. of Vote Vote Abstain Shares For Against 85. HSBC Nominees (Asing) Sdn Bhd 10,300 OR1, OR2, OR3, OR4, OR5, OR6 and OR8 OR7 - 86. HSBC Nominees (Asing) Sdn Bhd 10,800 OR1, OR2, OR3, OR4, OR5, OR6 and OR8 OR7 - 87

18. Slide 18: Shareholders Who Have Appointed Chairman as Proxy (continued)

    SHAREHOLDERS WHO HAVE APPOINTED CHAIRMAN AS PROXY(CONTINUED) No. Name of Shareholders No. of Vote Vote Abstain Shares For Against 91. HSBC Nominees (Tempatan) Sdn Bhd 7,000 OR1, OR2, OR3, OR4, OR5, OR6 and OR8 OR7 - 92. HSBC Nominees (Tempatan) Sdn Bhd 12,900 OR1, OR2, OR3, OR4, OR5, OR6 and OR8 OR7

19. Slide 19: Shareholders Who Have Appointed Chairman as Proxy (continued)

    SHAREHOLDERS WHO HAVE APPOINTED CHAIRMAN AS PROXY(CONTINUED) No. Name of Shareholders No. of Vote Vote Abstain Shares For Against 97. HSBC Nominees (Tempatan) Sdn Bhd 50,800 OR1, OR2, OR3, OR4, OR5, OR6 and OR8 OR7 - 98. HSBC Nominees (Tempatan) Sdn Bhd 86,600 OR1, OR2, OR3, OR4, OR5, OR6 and OR8 OR

20. Slide 20: Shareholders Who Have Appointed Chairman as Proxy (continued)

    SHAREHOLDERS WHO HAVE APPOINTED CHAIRMAN AS PROXY(CONTINUED) No. Name of Shareholders No. of Vote Vote Abstain Shares For Against 103. HSBC Nominees (Tempatan) Sdn Bhd 1,053,900 OR1, OR2, OR5, OR6 and OR7 - OR3, OR4 and OR8 104. HSBC Nominees (Tempatan) Sdn Bhd 1,574,050 OR1, OR2, OR5, OR6 and OR7 -

21. Slide 21: Item 1: Audited Financial Statements

    Item 1 To receive the Audited Financial Statements for the financial year ended 31 December 2017 and the Directors’ and Auditors’ Reports thereon © Copyright Allianz 21

22. Slide 22: Group Performance

    GROUP PERFORMANCE 01 © Copyright Allianz 22

23. Slide 23: Malaysia Still an Attractive Market

    MALAYSIA STILL AN ATTRACTIVE MARKET Malaysian Conventional Insurance Industry 22 39,220 1.5% -0.1% 2.5% General insurers General agents Insurance penetration GWP Growth 2017 (% of GDP) GWP GROWTH 2017 14 85,494 3.0% +1.9% +15.3% Insurance penetration Life insurers Life agents ANP Growth 2017 ANP GRO

24. Slide 24: Diversification in Two Strong Pillars of Life and General

    DIVERSIFICATION IN TWO STRONG PILLARS OF LIFE AND GENERAL TO OVERCOME DIFFICULT TIMES FY 2017 RM 4.8bn RM 3.9bn RM 437mn + 3% + 6% - 4% Operating revenue Net earned premium Profit before tax ALIM RM 173mn +25% AGIC RM 267mn -17% RM 1.65 RM 3.1bn RM 16.6bn - 9% + 9% + 11% Basic earnings per Sharehold

25. Slide 25: Strong Group Performance Despite Subdued Economic and Regulatory Changes

    STRONG GROUP PERFORMANCE DESPITE SUBDUED ECONOMIC AND REGULATORY CHANGES Gross Written Premium (GWP) (RM ‘mil) XX% 3-yr CAGR +3% +2% 4,133 4,183 4,285 3,968 Allianz Life maintained Allianz Life top 5 position, with 7.4% 2,150 2.4% y-o-y growth market share1 1,834 1,952 2,100 Allianz General Allianz

26. Slide 26: Demonstrated Profit Resilience Amidst Challenging Landscape

    DEMONSTRATED PROFIT RESILIENCE AMIDST CHALLENGING LANDSCAPE Diversified business portfolio Profit before Tax (RM ‘mil) XX% 3-yr CAGR Maintain strong discipline in pricing & prudent expense +1% management -4%* 437 Impairments Deliver healthy and 438 455 *Group PBT growth +4.3% sustainable margins. 42

27. Slide 27: Continue to Strengthen Dividend Returns to Shareholders

    CONTINUE TO STRENGTHEN DIVIDEND RETURNS TO SHAREHOLDERS Dividend Per Share (RM sen) Maintain capital requirement for the Group Ordinary Share +33% To meet regulatory solvency 3-yr CAGR requirements to protect 14.40 interest of policy holders +34% 12.00 10.80 9.00 Regulatory capital 7.80 requirements

28. Slide 28: General Business

    GENERAL BUSINESS 02 © Copyright Allianz 28

29. Slide 29: GWP Growth Above Market Amidst Regulatory Changes

    GWP GROWTH ABOVE MARKET AMIDST REGULATORY CHANGES Gross Written Premium (RM ‘mil) Distribution channel and product mix 2017 GI Industry Growth -0.1% Product mix Marine, Misc, 3% 2017 PA& 11% 3% Health, 6% Fire, Motor, 19% 61% 2,134 2,181 2,083 2,136 Telemarketing 2% Bancassurance 8% Distribution Bro

30. Slide 30: Maintained Technical Results Despite One-Off Impairment Impact

    MAINTAINED TECHNICAL RESULTS DESPITE ONE-OFF IMPAIRMENT IMPACT Profit before tax (RM ‘mil) Combined ratio (in %) *-1.5% excluding impairment -6%* -4.1%-p -17%** **- 5% excluding impairment 90.4% 94.5% 2.1% Impairment 38 18.2% 17.4% Expense ratio Claims ratio 319 322 321 Commission ratio 61.9% 62.0%

31. Slide 31: Update: Phased Liberalization of Motor and Fire Tariffs

    UPDATE: PHASED LIBERALIZATION OF MOTOR AND FIRE TARIFFS Key Updates Phased Liberalisation Timeline  Fire & Motor Third Party continue to remain under Tariff Assessment  New Fire, Motor Comprehensive and Flexibility in on readiness Third Party Fire & Theft free to price from product for further Jul

32. Slide 32: Life Business

    LIFE BUSINESS 03 © Copyright Allianz 32

33. Slide 33: Growth in New Business Driven by Agency and Bancassurance

    GROWTH IN NEW BUSINESS DRIVEN BY AGENCY AND BANCASSURANCE Annualised New Premiums (ANP) (RM mn) ANP Channel Mix Alternative Corporate Clients Distribution 3.8% 9% 15% 18.4% Agency 77.8% 453 371 393 353 ANP Growth 17/16 Industry Allianz Market Rank Life share Agency1 -4.9% 5.4% 8.8% #5 Bancassurance

34. Slide 34: Top Line Growth Driven by Increase Sales in Agency Channel

    TOP LINE GROWTH DRIVEN BY INCREASE SALES IN AGENCY CHANNEL Gross Written Premiums (GWP) (RM mn) Investment Linked Business 18% 5% 2% 2,150 907 1,074 2,100 1,952 1,834 355 402 2016 2017 346 369 Single premium In-force business Industry Allianz Market Rank Regular 1,795 Growth 17/16 Life share 1,606 1

35. Slide 35: Life Business Generated a 25% Growth in Profit Before Tax

    LIFE BUSINESS GENERATED A 25% GROWTH IN PROFIT BEFORE TAX Profit Before tax (RM mn) 18% 25% • Focus on healthy and sustainable margins supported by disciplined pricing methodologies and sound risk management • Focus on writing more investment- 173 linked protection products 138 106 117 • Delivered R

36. Slide 36: Update: Life Framework

     Implemented ? Pending UPDATE: LIFE FRAMEWORK LIFE Objective of the framework will be achieved through specific initiatives introduced under the Framework, which can be broadly summarized as below: Framework From BNM’s From Allianz’s It aims to promote perspective.. perspective.. innovation and a G

37. Slide 37: Strategic Priorities

    STRATEGIC PRIORITIES 04 © Copyright Allianz 37

38. Slide 38: Renewal Agenda

    RENEWAL AGENDA • Allianz General achieved “Loyalty Leader” Top Down Net Promoter Score while Allianz Life secured an “Above Market” score • Some highlights of our customer initiatives:  Launched Allianz Road Rangers; redesign of the entire customer journey to address customer pain points  Enhanced

39. Slide 39: Allianz Digital at a Glance

    ALLIANZ DIGITAL AT A GLANCE Digital Distribution Partnerships Digital Service Partnerships Participate in an open digital ecosystem through win-win Exploring to provide unique services to our policyholders digital partnerships  Signed MoU with key  Running P.O.C.s’ on A.I. telematics players to de

40. Slide 40: 2020 Ambitions for Allianz Malaysia

    2020 AMBITIONS FOR ALLIANZ MALAYSIA ONE ALLIANZ Allianz General Allianz Life Fastest growing Life Company Push for Profitable Portfolio Claims transformation Profitability growth exceeds top-line growth Organisational transformation Loyalty Leader New customers via digital channel Drive productivity

41. Slide 41: Questions from Minority Shareholder Watchdog Group

    QUESTIONS FROM MINORITY SHAREHOLDER WATCHDOG GROUP 05 © Copyright Allianz 41

42. Slide 42: Questions from the Minority Shareholder Watchdog Group

    QUESTIONS FROM THE MINORITY SHAREHOLDER WATCHDOG GROUP (1) We note that on page 35 of the Annual report of the Chairman’s Statement that two disputes in the reinsurance contracts has increased the impairment amount for receivables in the general insurance and has impacted the profit before tax of th

43. Slide 43: Questions from the Minority Shareholder Watchdog Group

    QUESTIONS FROM THE MINORITY SHAREHOLDER WATCHDOG GROUP (1) Please explain the nature of the disputes. What are the prospects of the recovery and measures taken to- date? (CONTINUED) Answer (Continued) On 11 December 2013, AGIC commenced arbitration proceedings against VSC seeking, inter alia, a decl

44. Slide 44: Questions from the Minority Shareholder Watchdog Group

    QUESTIONS FROM THE MINORITY SHAREHOLDER WATCHDOG GROUP (1) Please explain the nature of the disputes. What are the prospects of the recovery and measures taken to- date? (CONTINUED) Answer (Continued) 2. The other dispute involves a claim against Chubb Insurance Malaysia Berhad (“Chubb”). AGIC provi

45. Slide 45: Questions from the Minority Shareholder Watchdog Group

    QUESTIONS FROM THE MINORITY SHAREHOLDER WATCHDOG GROUP (1) Please explain the nature of the disputes. What are the prospects of the recovery and measures taken to- date? (CONTINUED) Answer (Continued) AGIC gave notice of the claim to all its reinsurers including Chubb and processed the claim with su

46. Slide 46: Questions from the Minority Shareholder Watchdog Group

    QUESTIONS FROM THE MINORITY SHAREHOLDER WATCHDOG GROUP (1) Please explain the nature of the disputes. What are the prospects of the recovery and measures taken to- date? (CONTINUED) Answer (Continued) Chubb appealed to the Court of Appeal against this Decision and this appeal is still pending with a

47. Slide 47: Questions from the Minority Shareholder Watchdog Group

    QUESTIONS FROM THE MINORITY SHAREHOLDER WATCHDOG GROUP (2) Based on the growth engines key figures stated on pages 40 to 42 of “Management Discussion & Analysis” (“MD&A”) for both General and Life business:- (a) What is the estimated/targeted claim ratio, expense ratio and combined ratio for the gen

48. Slide 48: Questions from the Minority Shareholder Watchdog Group

    QUESTIONS FROM THE MINORITY SHAREHOLDER WATCHDOG GROUP (2)(b) Please share on the potential contributions from the bancassurance partnership with Standard Chartered Bank Berhad entered into in year 2017 Answer The partnership with Standard Chartered Bank Berhad (“SCB”) commenced in July 2017. Consid

49. Slide 49: Questions from the Minority Shareholder Watchdog Group

    QUESTIONS FROM THE MINORITY SHAREHOLDER WATCHDOG GROUP (2) (c) What is the expected Gross Written Premiums (“GWP”) and New Business Value (“NBV”) for Life segment for FY 2018? Answer ALIM will continue to grow and would aim to deliver a high single digit growth in GWP and NBV, exceeding the forecast

50. Slide 50: Questions from the Minority Shareholder Watchdog Group

    QUESTIONS FROM THE MINORITY SHAREHOLDER WATCHDOG GROUP (2)(d) Can Allianz Life Insurance Malaysia Berhad exceed its current 7.4% market share achieved for annualised new premiums for FY 2018 and sustain the record profit before tax of 24.9% growth registered in FY 2017? Answer ALIM outperformed the

51. Slide 51: Q&A Session for Shareholders

    Q&A Session for Shareholders 51 © Copyright Allianz

52. Slide 52: Resolution 1

    Resolution 1 To approve the payment of Directors’ fees of RM2,542,091 to the Non-Executive Directors of the Company and its insurance subsidiaries for the financial year ended 31 December 2017 (2016: RM1,966,764) © Copyright Allianz 52

53. Slide 53: Resolution 2

    Resolution 2 To approve the payment of Directors’ remuneration (excluding Directors’ fee) to the Non-Executive Directors of the Company and its insurance subsidiaries up to an amount of RM1,108,090 from 23 May 2018 until the next AGM of the Company 53 © Copyright Allianz

54. Slide 54: Resolution 3 & 4

    Resolution 3 & 4 To re-elect the following Directors:- (a) Y. Bhg. Dato’ Dr. Thillainathan A/L Ramasamy (b) Y.A.M. Tunku Zain Al-’Abidin Ibni Tuanku Muhriz 54 © Copyright Allianz

55. Slide 55: Resolution 3: Re-election of Dato' Dr. Thillainathan

    Resolution 3 Re-election of Y. Bhg. Dato’ Dr. Thillainathan A/L Ramasamy Malaysian, was appointed to the Board of the Company on 24 June 2011. He is the Chairman of the Audit Committee, a member of Risk Management Committee and Nomination and Remuneration Committee of the Company. Independent Non-Ex

56. Slide 56: Resolution 4: Re-election of Tunku Zain Al-'Abidin

    Resolution 4 Re-election of Y.A.M. Tunku Zain Al-’Abidin Ibni Tuanku Muhriz Malaysian, was appointed to the Board of the Company on 28 November 2014. He is the member of Risk Management Committee and Nomination and Remuneration Committee of the Company. Independent Non-Executive Director 56 © Copyri

57. Slide 57: Resolution 5

    Resolution 5 To appoint Messrs. PricewaterhouseCoopers PLT as Auditors of the Company in place of retiring Auditors, Messrs. KPMG PLT for the financial year ending 31 December 2018 and to authorise the Directors to fix their remuneration 57 © Copyright Allianz

58. Slide 58: Resolution 6

    Resolution 6 Proposed Shareholders’ Mandate for Recurrent Related Party Transactions with Allianz SE Group 58 © Copyright Allianz

59. Slide 59: Resolution 7

    Resolution 7 Proposed Shareholders’ Mandate for Recurrent Related Party Transaction with Shook Lin & Bok 59 © Copyright Allianz

60. Slide 60: Resolution 8

    Resolution 8 Proposed Shareholders’ Mandate for Recurrent Related Party Transaction with Rapidpro Consulting Sdn Bhd 60 © Copyright Allianz

61. Slide 61: Any Other Business

    Any Other Business 61 © Copyright Allianz

62. Slide 62: Briefing on Electronic Voting by Poll Administrator

    Briefing on Electronic Voting by Poll Administrator © Copyright Allianz 62

63. Slide 63: Meeting Adjourned for Poll Voting Calculation

    Meeting Adjourned for Poll Voting Calculation 63 © Copyright Allianz

64. Slide 64: Further questions: enquiry box

    If you have any further question, please drop your question into the enquiry box at the registration counter. We will endeavor to reply you within 7 working days. 64 © Copyright Allianz

65. Slide 65: Thank You

    THANK YOU © Copyright Allianz 65

Allianz Malaysia Berhad — Shareholder Meeting (May 2018) on 6ix