Slide 1: Hiscox Ltd Preliminary results for the year ended 31 December 2012
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Slide 2: A very good year
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Slide 3: Leadership change
iÉ~ÇÉêëÜáé ÅÜ~åÖÉ iÉ~ÇÉêëÜáé=ÅÜ~åÖÉ √ oçÄÉêí=eáëÅçñ=íç=ÄÉÅçãÉ=Üçåçê~êó=éêÉëáÇÉåí √ `çåíáåìáåÖ=ëíêçåÖ=ìåÇÉêïêáíáåÖ=íê~Çáíáçå − oçÄÉêí=`ÜáäÇëI=kçå=bñÉÅìíáîÉ=`Ü~áêã~å= o Ä `ÜáäÇ k b á `Ü á − oáÅÜ~êÇ=t~íëçåI=`ÜáÉÑ=råÇÉêïêáíáåÖ=lÑÑáÅÉê OT=óÉ~êë=çÑ=ãìäíáJÅä~ëë=ìåÇÉêïêáíáåÖ= ÉñéÉêáÉåÅÉ=~í=eáëÅçñ= e~ë e
Slide 4: Consistent strategy creating value
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Slide 5: Financial performance
ae HISCOX Financial performance
Slide 6: Full year 2012: a strong return
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Slide 7: Segmental analysis
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Slide 8: Excellent investment performance
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Slide 9: High quality, conservative portfolio
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Slide 10: Portfolios - USD bond portfolios
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Slide 11: Portfolios - GBP, EUR and CAD bond portfolios
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Slide 12: Government and bank exposure analysis
dçîÉêåãÉåí ~åÇ Ä~åâ ÉñéçëìêÉ ~å~äóëáë dçîÉêåãÉåí=~åÇ=Ä~åâ=ÉñéçëìêÉ=~å~äóëáë _~åâ=ÇÉÄí dçîÉêåãÉåí= dçîÉêåãÉåí dçîÉêåãÉåí `çìåíêó áëëìÉÇ pìééçêíÉÇ pÉåáçê pìÄçêÇáå~íÉÇ qçí~ä ¡MMM ¡MMM ¡MMM ¡MMM ¡MMM ^ìëíê~äá~ UIVON UIVPN UIVPN ` `~å~Ç~ Ç N OV NTIOVT PN P P PNIPTP POINOV OISRN PQITUM √ váÉäÇ=åçï=éçëáíáî
Slide 13: 2013 capital requirement projections
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Slide 14: Returning capital
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Slide 15: Reserving strength
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Slide 16: Fascinating financial facts
c~ëÅáå~íáåÖ Ñáå~åÅá~ä Ñ~Åíë c~ëÅáå~íáåÖ=Ñáå~åÅá~ä=Ñ~Åíë √ `çëí~=`çåÅçêÇá~=ÉñéÉÅíÉÇ=íç=ëÉííäÉ=~í=AOMã=åÉí √ pìéÉêëíçêã=p~åÇó=êÉëÉêîÉÇ=~í=¡VMã=åÉí √ iÉííÉê=çÑ=`êÉÇáí=~åÇ=AUTRã=Ä~åâ=Ñ~Åáäáíó=J APMUã= Çê~ïå Ççïå Çê~ïå=Ççïå √ pçäîÉåÅó=ff=áãéäÉãÉåíÉÇ=Ñçê=póåÇáÅ~íÉë NR
Slide 17: Underwriting
ae HISCOX Underwriting
Slide 18: An actively managed business
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Slide 19: Leveraging our reinsurance expertise
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Slide 20: Rates are healthy
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Slide 21: Business performance
ae HISCOX Business performance
Slide 22: Managing the business
j~å~ÖáåÖ íÜÉ ÄìëáåÉëë j~å~ÖáåÖ=íÜÉ=ÄìëáåÉëë dêçëë=ïêáííÉå=éêÉãáìãë=Ñçê=íÜÉ=óÉ~ê=ÉåÇÉÇ=PN=aÉÅÉãÄÉê=OMNO OMNO= OMNO OMNN= OMNN `Ü~åÖÉ dêçïíÜ= dêçïíÜ ¡MMM ¡MMM B áå=äçÅ~ä= ÅìêêÉåÅó= B eáëÅçñ=içåÇçå=j~êâÉí SQMIMQO RURIQQN VKP NNKO eáëÅçñ=fåíÉêå~íáçå~ä - eáëÅçñ=_ÉêãìÇ~ OMMITMU NTTISTR NPKM NNKR - eáëÅçñ=
Slide 23: Hiscox London Market: profit powerhouse
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Slide 24: Hiscox UK: another good profit
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Slide 25: Hiscox Europe: profitable in tough economic conditions
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Slide 26: France, UK: a growing consumer brand
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Slide 27: Hiscox International: good growth and profit
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Slide 28: Steadily growing US direct
píÉ~Çáäó ÖêçïáåÖ rp ÇáêÉÅí píÉ~Çáäó=ÖêçïáåÖ=rp=ÇáêÉÅí Åó=ìåáíë=ëçäÇ mçäáÅ mçäáÅó=ìåáí=ë~äÉë=éÉê=ïÉÉâ=Ó rp=aáêÉÅí tÉÉâ OT
Slide 29: Summary and outlook
ae HISCOX Summary and outlook
Slide 30: Summary
pìãã~êó √ dêçïáåÖ=áå=ãçëí=éêçÑáí~ÄäÉ=äáåÉë − oÉáåëìê~åÅÉ − içÅ~ä=bCl= − péÉÅá~äíó √ oÉíìêåáåÖ=Å~éáí~ä= √ oÉëáäáÉåí=Å~éáí~ä=Ä~ëÉ=íç=ëìééçêí=ÑìíìêÉ=ÖêçïíÜ o áäá á äÄ Ñ Ü OV
Slide 31: Outlook
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Slide 32: Appendices
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Slide 33: Geographic reach
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Slide 34: Strategic focus
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Slide 35: A symbiotic relationship
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Slide 36: Long-term growth
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Slide 37: Business trends
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Slide 38: Hiscox Ltd results
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Slide 39: Group structure
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Slide 40: Boxplot and whisker diagram of modelled losses
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Slide 41: Realistic disaster scenarios
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Slide 42: GWP geographical and currency split
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Slide 43: Group reinsurance security
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Slide 44: Reinsurance
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Slide 45: Glossary of terms
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Slide 46: Glossary of terms
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