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Introduction
Introduction
Group
Group
Highlights
Highlights
Disappointing new Ogden rate adversely impacts 2019 H1
Disappointing new Ogden rate adversely impacts 2019 H1
UK Motor largely flat but strong growth continues elsewhere
UK Motor largely flat but strong growth continues elsewhere
Group profit higher despite adverse Ogden impact
Group profit higher despite adverse Ogden impact
Elevated solvency ratio continues ahead of internal model application
Elevated solvency ratio continues ahead of internal model application
Higher Interim dividend despite Ogden
Higher Interim dividend despite Ogden
Group key messages
Group key messages
UK Insurance
UK Insurance
UK Insurance – Summary
UK Insurance – Summary
UK Motor – Market
UK Motor – Market
UK Motor – Claims inflation
UK Motor – Claims inflation
UK Motor – Loss ratios
UK Motor – Loss ratios
UK Motor – Other Revenue
UK Motor – Other Revenue
UK Household
UK Household
UK Insurance summary
UK Insurance summary
International Insurance and Comparison
International Insurance and Comparison
International Insurance – Strong growth
International Insurance – Strong growth
International Insurance
International Insurance
International Insurance: Building Economies of Scale
International Insurance: Building Economies of Scale
International Comparison
International Comparison
UK Comparison
UK Comparison
International Insurance and Comparison summary
International Insurance and Comparison summary
Loans
Loans
Admiral Loans Overview
Admiral Loans Overview
Large, growing market where digital channels are taking share and customers are demanding acceptance certainty and pricing accuracy
Large, growing market where digital channels are taking share and customers are demanding acceptance certainty and pricing accuracy
Emphasis on data analytics, technology and product innovation
Emphasis on data analytics, technology and product innovation
Funded through a mix of internal and external sources
Funded through a mix of internal and external sources
Default experience improving as pricing and credit rules are fine-tuned
Default experience improving as pricing and credit rules are fine-tuned
Strong controlled growth in balances over time
Strong controlled growth in balances over time
Loans: An Admiral-like aspiration for the long term
Loans: An Admiral-like aspiration for the long term
Wrap up
Wrap up
Q&A
Q&A
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Q&A
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Q&A
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Q&A
Q&A
Q&A
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Q&A
Q&A
Q&A
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Q&A
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Q&A
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Q&A
Q&A

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