o Telenor Group o Telenor Insurance o Expat population and insurance
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2 2 o Telenor Group o Telenor Insurance o Expat population and insurance
3 Digital Digital technology enabling connectivity, new services, and delivery & distribution of existing offerings in new and more efficient ways. Impacting mobile and fixed offerings. Mobile The introduction of the mobile era implied a new Telenor with new business models and offerings. Fixed The foundation Telenor was built on: connectivity. Initially fixed telephony. Has later expanded to broadband and satellite services. Time 3
4 4 * With effect from Q and Q1 2018, Telenor India and Telenor s operations in Montenegro, Serbia, Hungary and Bulgaria, respectively, are treated as assets held for sale and discontinued operations in Telenor s financial reporting.
5 Scandinavia: Fixed and mobile premium positions in Norway and Sweden; mobile in Denmark. 7.5 m customers. Telenor Norway Subs: 3 million Founded: 1855 Market position: 1 * Telenor Sweden Subs: 2.7 million Entry: 2001 Market position: 3 * Telenor Denmark Subs: 1.8 million Entry: 2004 Market position: 2 * 5 *Market position is based on revenue market share.
6 Emerging Asia Strong mobile positions. No. 1 or 2 in all markets. Additional digital services within mobile financial services, online classifieds and health. 129 m customers. ** Telenor Pakistan Subs: 42.6 million Entry: 2004 Market position: 2 * Grameenphone Bangladesh Subs: 67.5 million Entry: 1996 Market position: 1 * Telenor Myanmar Subs: 18.9 million Entry: 2013 Market position: 2 * 6 * Market position is based on revenue market share. In Bangladesh, and subscription market share in Pakistan and Myanmar ** With effect from Q1 2017, Telenor India is treated as an asset held for sale and discontinued operations in Telenor s financial reporting.
7 Developed Asia Rich, digital mobile-only positions, targeting the digital generation segment. 34 m customers. Dtac Thailand Subs: 21.8 million Entry: 2000 Market position: 3 * Digi Malaysia Subs:11.8 million Entry: 1999 Market position: 1 * 7 *Market position is based on subscription market share.
8 Mobile voice and broadband services 170 million mobile customers across Scandinavia and Asia Fixed voice, broadband and satellite services Primarily in Norway and Sweden Digital products and services Internet of Things, Online Classifieds, Mobile Financial Services, mhealth 8
9 Geographic revenue distribution Geographic EBITDA distribution 8% 2% 25% 39% 33% 36% 28% 29% Total revenues 2017: NOK 112 billion Total EBITDA 2017: NOK 45 billion Total shareholder return (%) 1 year 3 year 5 year Telenor, pr % 2 % 36 % Telenor listed on the Oslo Stock Exchange in
10 10 o Telenor Group o Telenor Insurance o Expat population and insurance
11 Insurance Hub & Captive Telenor Insurance «the captive» 20 year s anniversary! 11
12 12 Where does insurance fit into the organisation?
13 Internal stakeholders; People/HR, Legal, Sourcing, Finance, Security, Business Units Collaborate, Coordinate & Control Risk carrier Captive License to insure Telenor s assets and people. Risk carrier for employees in Norway and the Nordic Property risk physical assets Claims handler and Data Controller Nat Cat claims in Norway member of natcat insurance pool Responsible for Data handler Employee Insurance Telenor Insurance Insurance Framework and Governance For all Telenor entities in Norway: Group Life, ADD, Illness, Work comp., Medical and Travel Insurance Lawyer s Insurance Local insurance solutions Global insurance solutions For all entities in Telenor Group Liability Insurance Property Insurance Cyber Insurance Expat Insurance Program Financial lines Multinational Pooling Insurance broker agreement 13
14 14 o Telenor Group o Telenor Insurance o Expat population and insurance
15 Mobility population Total 165 Expats Long term > 5 year Short term > 1 year Local + Parent Home Virtual assignments Company International Commuter Total 602 Lives 15
16 Medical & Travel Insurance Group Life, ADD, Disability UAE Stand alone solution Expat Insurance program Cargo Insurance Home/Host company Gabler Insurance Broker Expat Insurance broker and advisor 16
17 Change of Global Expat Centre change in insurance solution! Old set up Expat insurance, insuring expats and their families with payroll Norway mostly LTIA and majority norwegians Old solution : Good cover in products Flexible when needed Manual reporting of member Lack of member information Lack of online web solutions Solving problems when they occur client has to be the driving force when things has to change or new needs occur Today s vendor is not a globally recognised brand amongst the medical providers Insufficient claim reports New set up GEC Singapore is the administrator of the mobility group. Payroll Singapore. Change of risk ->Needs insurance provider that is flexible, lean and have good web solutions New solution: Good cover in products Partnership with the client, proactive SLA which defines responsibility Confirms compliance in their solution Web solutions easy access for members and mgmt. Flexibility Good Information Mgmt. reports Quality in claims reporting Focus on cost containment easy access to claims reports Good medical network, easy access to direct billing 17
18 Thank you
19 Telenor Group Diversified and decentralized Sweden Norway Pakistan Denmark Bangladesh Hungary Thailand Serbia Global solutions Centralized Economy of Scale Montenegro Bulgaria Myanmar Malaysia Creating new opportunities for Telenor Insurance 19
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