Slide 1: Momentum Insure: Impact strategy progress
Momentum Insure Impact strategy progress Brand Pretorius
Slide 2: Overview
Overview 1 Impact strategy recap 2 Strategy progress update 3 Closing 2
Slide 3: Recap: Long-term winning aspiration
Momentum Insure Recap: Long-term aspiration “ LONG-TERM A leading South African insurer, WINNING helping our clients feel safe, by protecting what matters most ASPIRATION to them, beyond insurance. 3
Slide 4: Recap: Ambition and strategic focus areas
Momentum Insure Recap: Ambition and strategic focus areas IMPACT STRATEGY Becoming a sustainably profitable insurer, consistently delivering predictable returns for Momentum Group AMBITION through a focused core business, optimised to attract clients effectively and ensure sustainable long-term grow
Slide 5: Recap: Objectives and measures of success
Momentum Insure Recap: Objectives and measures of success Focus areas Objectives – what we are aiming for Measures of success • Deliver predictable and acceptable earnings and ROE, in line with Combined Momentum Group’s expectations Between 92% – 96% ratio Profitability • Accelerate digitalisation t
Slide 6: Overview: Strategy progress update
Overview 1 2 Strategy progress update 3 6
Slide 7: Strategy progress update
Momentum Insure Strategy progress update Focus areas What we achieved so far • Material improvement in underwriting results Combined 89.7% as at 1HF2025 Profitability • Most financial indicators better than expectation (1HF2025) ratio • Digital efficiency initiatives identified and tracking well aga
Slide 8: Claims ratio improvement attribution
Momentum Insure Claims ratio improvement attribution 3.8% 0.6% 2.5% 1.6% 0.9% 4.6% 66.1% 61.7% Additional impact Expected corrective 58.3% from corrective Better weather action impact 52.1% actions 6.2% 4.4% 3.4% F2024 Renewal Renewal NB NBtarget Target Budget Budget F2025 Renewal Renewal NB NB Volu
Slide 9: Strategy progress update (continued)
Momentum Insure Strategy progress update (continued) Focus areas Objectives – what we are aiming for Progress towards F2027 objectives • Deliver predictable and acceptable earnings and ROE, in line with Highly confident Momentum Group’s expectations Profitability • Accelerate digitalisation to drive
Slide 10: Overview: Closing
Overview 1 2 3 Closing 10
Slide 11: Our right to win
Momentum Insure Our right to win Sustainably profitable core direct personal-lines business Top-tier pricing and underwriting More digitally-enabled business to capability, fueled by greater drive cost efficiencies and a lower investment in data analytics cost operating model p to win Our RIGHT Alig
Slide 12: Our focus in the next 12 to 18 months
Momentum Insure Our focus in the next 12 to 18 months Continued investment in pricing and Accelerating growth initiatives underwriting capability • Personal-lines direct to client • Pricing software and analytics capabilities • Momentum Group collaboration • GIS, weather and 3 rd party data • Indepe
Slide 13: Thank you
Thank you The information in this presentation, including the financial information on which the outlook is based and any non-IFRS financial measures (which are presented for additional information purposes only), is the responsibility of the directors of Momentum Group and has not been reviewed and