Gary Withers. Chief Executive
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- Bryce Richards
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1 Gary Withers Chief Executive
2 Agenda Norwich Union Life Strategy Product and Distribution Strategy Achieving Operational Excellence Q&A Gary Withers Peter Hales Mike Kirsch Driving for Value Confident about continued success Mike Urmston Jim Newman Gary Withers Q&A 1230 Lunch
3 Our Ambition: Clear market leader in savings and insurance Top 3 positions in Life, Pensions and Investments Value based management increase new business IRR to 15% in 2007 (12% 1H 2004) gross annualised cost savings of 130m pa by 2007 (based on 2003 cost base) FTE reduction of 20% ( ) as previously announced Growth on our terms market growth of around 8% CAGR expected scope to increase market share to 15-20% in the medium term Customers: we aim to be the natural choice in helping secure peoples financial futures
4 The world has changed Old World The industry was focused on APE, NBAV growth and access to customers Capital was freely available: leveraged our with-profits advantage NBAV was the key product and sales metric High investment returns meant good value for customers and limited focus on costs Customers were broadly happy and service demands were low
5 New World No easy wins for customer or shareholder: value management is now key Focus on maximising new business IRR and returns on existing book: cost management is critical for both Capital model has changed and moving to more of a banking model Service demands are high and will remain so: operational model has to be improved Customers are too often unhappy and rebuilding trust is important
6 Well positioned for the New World Multi-product, multi-channel, brand strength Scale to drive cost economies and innovate Financial strength and market position to take the tough decisions Experienced management team
7 Making Progress towards our goal Position Scale & Innovation Financial Flexibility leader for new business with 12.1% market share Most trusted and advocated life insurance brand Achieved cost savings of 140m in 2003 Established operating centre in Pune Innovating in market (POS underwriting, LifetimePortfolio) With profit realistic position of 4.2bn Securitisation of equity release mortgages ( 1.5bn) and protection new business ( 200m)
8 But much remains to be done Position Scale & Innovation Financial Strength Strengthen investment and group pensions position Develop Lifetime Portfolio wrap Build market share to 15-20% Further 130m annualised savings by 2007 through cost efficiency Business services improvement through co-operation with business partners Develop and broaden securitisation to create a flexible financing model Sophisticated risk management
9 The has still not taken off Half yearly market APE progression (Total Life, Pensions and Investments APE) 6,000 5,500 5,000 4,500 4,000 3,500 3,000 1H 99 2H 99 1H 00 2H 00 1H 01 2H 01 1H 02 2H 02 1H 03 2H 03 1H 04 Source: ABI data
10 The has still not taken off 5 year Total APE Moving Annual Growth Rate (Total Life, Pensions and Investments APE) 15.0% 10.0% Dot com bubble bursting Stakeholder Surge 5.0% growth growth recovery? 0.0% % -10.0% Decline in equity markets decline -15.0% Source: ABI data
11 The has still not taken off Half yearly market APE progression (Total Life, Pensions and Investments APE) 5 year Total APE Moving Annual Growth Rate (Total Life, Pensions and Investments APE) 6,000 5, % 10.0% Dot com bubble bursting Stakeholder Surge 5, % Growth Growth recovery? 4,500 4,000 3,500 3,000 1H 99 2H 99 1H 00 2H 00 1H 01 2H 01 1H 02 2H 02 1H 03 2H 03 1H % -5.0% -10.0% -15.0% Decline in Equity marekts Decline Source: ABI data Source: ABI data Slow return to market growth: on a 12 months basis we re only just there Consumer is still not convinced about the need to save
12 When the market turns we will be ready Strong competitive position: product and distribution Efficient and scaleable operating platform Financial strength and metrics...and we will achieve growth on our terms
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