Digital Agricultural Services for Insurance October, 2018

Applications in Insurance and Risk Management Agenda Overview of Doktar Applications in Insurance and Risk Management

Who we are January 2012 Established Improve agriculture via informed decisions. Purpose Agricultural Know-How, Software and Hardware Development, Big Data Analysis, Image Recognition, Risk Modelling Capabilities 2 offices (Istanbul & Izmir) in Technology Development Zones – Team of 25 Offices Highlights More than 500k registered farmers Phenological development models for 117 crop types. Tens of algorithms for fungal diseases, irrigation and fertilization programs 1.2M hectares of land digitally tracked Clients in 6 countries

Doktar accelerates agriculture by informed decisions and ... Who How Tools Farmers Input players (seed, chemicals, fertilizer, etc...) Financial Institutions Tractor & equipment players Food companies Governments Consumers Data driven decision making Operational improvement with a holistic approach Bottom up agricultural monitoring & market intelligence Value chain management Supply chain visibility Risk assessment Field presence Agronomist hotline Mobile apps Plant growth simulation Satellite images IoT sensor stations GPS tracking Machine learning Image recognition Source: Doktar

Clients served by Doktar – Partial Client List Source: Doktar

We offer conventional and digital yield optimization and farmer relationship management services for agricultural players. Conventional Services Digital Services Sources: Doktar

Doktar can enhance farmers’ performance by Personalized Crop Grower Protocols and Farmer Support Line Personalized Grower Protocol via SMS Conventional Service Farmer Support Line Conventional Service Growers are registered along with their fields’ location, size, crop variety and plantation date. Farmers receive personalized fertilization, fungal and insect protection, hoeing and harvesting advices based on phenological development of their grower. Grower protocols localized with local agricultural experts for each crop variety. Doktar also sends a three-day field level weather forecast and agricultural warnings. Other valuable information such as crop and input prices, government grants are also delivered All farmer question are to be answered via Farmer Support Line. Agricultural engineers who serve in Farmer Support Line will be trained on crop varieties before answering calls. All calls will be recorded with farmers’ name, field size, crop variety and diagnosed disease or answered problem. All calls will then be reported to client on weekly basis. Credentials Source: Doktar

Thanks to conventional farmer services, we have the largest active database of Turkey, 200.000 Fields 12 million decares 6% of Turkish Land is recorded 500.000 Farmers 22.000 Agricultural problems solved via 1to1 communication 10-15% on Average yield increase Source: Doktar Database

Digital Agriculture Big Picture Connected Agriculture Data Collection AI & Analysis Platform Data Backed Digital Services End Users Data Sources (IoT) Farmer Weather Forecasts Smart Phone App Sensors Consumer Tracing & Visiblity Cloud Analytics Agricultural Data Base Image Recognition Artificial Intelligence Algorithms Cloud CRM Agricultural Input Players Satellites Crop Tracking & Procurement FMCG Players Harvesters Risk Management Tracotrs Source: Doktar Financial Institutions

We collect data on weather, soil and crop via sensors and satellites, to turn into decision support algorithms Digital Products and Services Fungal Diseases and Irrigation Management Field Health Tracking from Satellite Digital Soil Analysis Product Specific Smart Phone Applications Farm Management System Kaynak: Doktar

Applications in Insurance and Risk Management Agenda Overview of Doktar Applications in Insurance and Risk Management

Insurance Applications of Digital Agriculture Early Warnings Risk Assessment Claim Handling Source: Doktar

Selecting the Right Variety Protection from Fungus Diseases How does the yield increase with these products? How do early warnings work? Early Warnings Selecting the Right Variety Timely and Sufficient Fertilisation Timely and Sufficient Irrigation Protection from Fungus Diseases Protection from Pests IoT Station Satellite Digital Soil Analysis Digital Pest Trap Source: Doktar Analysis and Vision

Early warnings from an App - Disease management example Dash Board Fungal Disease Status Disease Information Source: Doktar

Risk management with hyperlocal historical climate data and satellite data Farmer Risk Soil Risk Climate Risk Topography Risk

Multispecteral satalite images can give us great insights on crops health and damages Claim Handling Normal Satalite Image Processed Health Monitoring Image

How can this be utilised in claim handling? Before the Event After the Event

In summary, insurance industry can benefit from digital agriculture in two ways Utilizing satellite technology to decrease claim handling costs and false claim requests Providing Digital Agriculture as a Value Added Service

Erzene Mahallesi Ege Universitesi Kampusu ideEGE-TGB Mercan Binası No:172/70-I Bornova/Izmir +90 538 057 70 75 www.doktar.com