CLASS REVIEW August 2012 Find out more about Lloyds position in the US, Brazil, Mexico & Turkey >

> We have developed Class Review to help you do this effectively Have you ever wanted to compare Lloyds business profile with that of competitors? In this presentation we want to: 1. Help you understand what is Class Review 3. Explain how we have created Class Review 2. Explain what you can find in Class Review 4. Present examples of how you can use Class Review AGENDA CHOOSE SURGERY SESSION Turkey > US Surplus Lines Market Brazil MexicoTurkeyUS Surplus Lines MarketBrazilMexico CHOOSE SURGERY SESSION Turkey > US Surplus Lines Market Brazil MexicoTurkeyUS Surplus Lines MarketBrazilMexico

CLASS REVIEW May 2012 Find out more about Lloyds position in the US > > Back to Agenda > Back to Agenda > Back to Agenda > Back to Agenda

WHAT IS CLASS REVIEW? Class of Business Analysis by Territory Comparison of Lloyds vs. Competitors Market Share Analysis Downloadable Triangulations BENEFITS US Pilot: Top 4 States + Total US Compares Lloyds with its core competitors Mapping of Lloyds specialty classes Data reviewed by market participants Insights on relevant business information: premiums, market shares & incurred loss ratios > Managing Agent, Broker and Coverholder Versions available on

What can you find in the Broker & Coverholder Version of Class Review? BROKER & COVERHOLDER VERSION Brokers & Coverholders have access to the following documents: US Lloyds Coverholder Map (PDF) Market Reports (PDF) 1 1 > Pilots for Top 4 US states and for the Total US Total US California Florida New York Texas BROKER & COVERHOLDER VERSION

What sections are available in the Market Report? > The Market Report contains 3 sections. MARKET REPORT Aggregate overview and benchmark analysis (Lloyds vs. the market) Premium trends Key Competitors Premium by class of business Incurred loss ratios Major business classes benchmark analysis (Lloyds vs. the market) Premium trends by class of business Key competitors by class of business Incurred loss ratios by class of business Specialty classes in depth analysis Premium trends & incurred loss ratios* by specialty class of business

Market Intelligence Team How have we created Class Review? 1 Finding the best market information with a class of business breakdown with the help of… RegulatorAssociations Third Party Information Providers Lloyds Country Manager Market Practitioners / LMA Feedback 2 Mapping market classes of business… …with Lloyds classes of business Finding commonly used class of business descriptions, which can be used to benchmark Lloyds with the market MARKET Comparing Lloyds with the rest of the market at a class of business level 3 METHODOLOGY

BENEFITS Compares Lloyds with its core competitors Mapping of Lloyds specialty classes of business Insights on relevant business information: premiums, market shares & incurred loss ratios Insights on relevant business information: premiums, market shares & incurred loss ratios Data reviewed by market participants *Incurred loss ratios and underlying data are only available for Managing Agents

California E&S Class Review Lloyds business represented approximately 18% of the E&S market in California in Premiums present a declining trend. However, this decline is less dramatic for the Lloyds market. BENCHMARKING TOOL Illustrates Lloyds footprint in a specific market. HOW DOES THIS BENEFIT ME? Class Review illustrates the importance of the Lloyds market in a particular territory… How has Lloyds market share evolved over the past 5 years?

California E&S Class Review Lloyds underwrote a larger proportion of Property business than the market average in California during BENCHMARKING TOOL HOW DOES THIS BENEFIT ME? Class Review exposes particularities of the Lloyds market in a specific territory at a high level… Which classes of business does Lloyds specialise in? Illustrates the market versus Lloyds class of business breakdown.

California E&S Class Review Lloyds has maintained its 24% market share in the Californian Property market during the past 5 years. BENCHMARKING TOOL Compares Market premiums versus Lloyds premiums by class. HOW DOES THIS BENEFIT ME? Class Review illustrates the participation of Lloyds in a specific business class. Is a certain business class growing or declining? How is Lloyds participation in a particular business class evolving? Note: Market business classes from NAIC have been classified to match Lloyds business classes.

California E&S Class Review In 2010, Lloyds was the second biggest player in the Property market in California. Lexington is the market leader with a 27% market share. BENCHMARKING TOOL Compares Lloyds with its core competitors. HOW DOES THIS BENEFIT ME? Class Review reveals Lloyds core competitors. Who are the key players in a specific business class and how are they performing?

BENEFITS Compares Lloyds with its core competitors Mapping of Lloyds specialty classes of business Insights on relevant business information: premiums, market shares & incurred loss ratios Insights on relevant business information: premiums, market shares & incurred loss ratios Data reviewed by market participants *Incurred loss ratios and underlying data are only available for Managing Agents

Texas E&S Class Review Pecuniary Loss is a growing class of business both for Lloyds and the rest of the market. General liability is a declining class of business for the market. Lloyds has started to decline in Insights on relevant business information. RELEVANT INFORMATION HOW DOES THIS BENEFIT ME? This describes and compares different business classes in a particular territory in terms of premium growth, profitability and competition. Which is the expected premium growth for a class of business based on historical data? Which classes of business present better loss trends? Are these in normal ranges? Which markets are more competitive?

BENEFITS Compares Lloyds with its core competitors Mapping of Lloyds specialty classes of business Insights on relevant business information: premiums, market shares & incurred loss ratios* Insights on relevant business information: premiums, market shares & incurred loss ratios* Data reviewed by market participants *Incurred loss ratios and underlying data are only available for Managing Agents

© Lloyds16 This document is intended for general information purposes only. Whilst all care has been taken to ensure the accuracy of the information Lloyd's does not accept any responsibility for any errors or omissions. Lloyd's does not accept any responsibility or liability for any loss to any person acting or refraining from action as a result of, but not limited to, any statement, fact, figure, expression of opinion or belief obtained in this document. Disclaimer

© Lloyds17

CLASS REVIEW May 2011 Find out more about Lloyds position in Brazil > > Back to Agenda > Back to Agenda > Back to Agenda > Back to Agenda

WHAT IS CLASS REVIEW? Class of Business Analysis by Territory Comparison of Lloyds vs. Competitors Market Share Analysis Downloadable Triangulations BENEFITS Brazil Pilot Compares Lloyds performance by business class with local market Mapping and English translation of SUSEP classes of business Insights on relevant business information: premiums, market shares & incurred loss ratios Data reviewed by market practitioners > Managing Agent, Broker and Coverholder Versions available on

What sections are available in the Market Report? MARKET REPORT AGGREGATE Overview & Benchmark Analysis (Lloyds vs. the market) Premium by class of business Key Players Premium trends SUSEP MAJOR CLASS OF BUSINESS ANALYSIS Premium & Loss Ratio Trends (Calendar Year) Key Players *Incurred loss ratios are only available for Managing Agents SUSEP SPECIALTY CLASS OF BUSINESS ANALYSIS Premium & Loss Ratio Trends (Calendar Year) Key Players LLOYDS MAJOR CLASS OF BUSINESS ANALYSIS Premium Trends (Calendar Year)

Market Intelligence Team How have we created Class Review? 1 Finding the best market information with a class of business breakdown with the help of… RegulatorAssociations Lloyds Country Manager Market Practitioners / LMA Feedback 2 Mapping of market classes of business… …translation into English Finding commonly used class of business descriptions, which can be used to benchmark Lloyds with the market Comparing Lloyds with the rest of the market at a class of business level 3 METHODOLOGY MARKET

BENEFITS Compares Lloyds performance by business class with local market Compares Lloyds performance by business class with local market Mapping of Lloyds specialty classes of business Insights on relevant business information: premiums, market shares & incurred loss ratios Insights on relevant business information: premiums, market shares & incurred loss ratios Data reviewed by market participants *Incurred loss ratios and underlying data are only available for Managing Agents

Brazil Overview Lloyds underwrote a much larger proportion of Marine & Energy business than the local direct market average in Brazil during BENCHMARKING TOOL Illustrates the market versus Lloyds class of business breakdown. HOW DOES THIS BENEFIT ME? Class Review exposes particularities of the Lloyds market in a specific territory… Which classes of business does Lloyds specialise in?

Brazil Overview Lloyds business in Brazil has been growing significantly over the past 3 years. BENCHMARKING TOOL Compares Market premium trends with that of Lloyds. HOW DOES THIS BENEFIT ME? Class Review illustrates the importance of the Lloyds market in a particular territory… How has Lloyds market participation evolved over the past 3 years?

Brazil Overview The profitability trend of the Brazilian direct market has been stable. BENCHMARKING TOOL Shows market performance trends. HOW DOES THIS BENEFIT ME? These charts illustrate local market loss trends, giving a proxy for profitability.

Brazil Overview The two biggest non-life groups writing direct business in Brazil are Itau-Porto Seguro and Mapfre-Banco do Brasil. BENCHMARKING TOOL Ranks core competitors. HOW DOES THIS BENEFIT ME? Class Review reveals the biggest players in the direct local market. With whom do the potential reinsurance opportunities lie?

SUSEP Major Classes While premiums have remained fairly stable, the incurred loss ratios for Aviation have been spiky due to a Gol airplane crash in 2006 and a Tam crash in ANALYSIS TOOL Illustrates market premium trends and performance by class. HOW DOES THIS BENEFIT ME? Class Review illustrates the premium development and loss ratio trends of a particular class of business in Brazil. How has the direct market performed over a 6-year trend?

SUSEP Major Classes Many of the 2010 market leaders in the Aviation line are insurers with which Lloyds already has strong business relationships. ANALYSIS TOOL Ranks core competitors by class. HOW DOES THIS BENEFIT ME? Class Review reveals the biggest players in the direct market in a particular class of business. Which players could Lloyds target to do business with in specialty classes like Aviation?

Lloyds Major Classes Lloyds business in Energy account for approximately 20% of total premiums. ANALYSIS TOOL Illustrates Lloyds premium in major classes. HOW DOES THIS BENEFIT ME? Class Review illustrates the growth of Lloyds business in 8 major classes.

SUSEP Major Classes Premium growth was substantial in the past 6 years and profitability remained stable. With the forthcoming World Cup and Olympic Games this is likely to increase. ANALYSIS TOOL Illustrates market premium trends and performance by class. HOW DOES THIS BENEFIT ME? Class Review illustrates the premium development and loss ratio trends of a particular class of business in Brazil. How has the direct market performed over a 6-year trend?

SUSEP Major Classes Many of the 2010 market leaders in the Engineering line are insurers with which Lloyds already has strong business relationships. ANALYSIS TOOL Ranks core competitors by class. HOW DOES THIS BENEFIT ME? Class Review reveals the biggest players in the direct market in a particular class of business. Which players could Lloyds target to do business with in specialty classes like Aviation?

© Lloyds32 This document is intended for general information purposes only. Whilst all care has been taken to ensure the accuracy of the information Lloyd's does not accept any responsibility for any errors or omissions. Lloyd's does not accept any responsibility or liability for any loss to any person acting or refraining from action as a result of, but not limited to, any statement, fact, figure, expression of opinion or belief obtained in this document. Disclaimer

© Lloyds33

CLASS REVIEW May 2012 Find out more about Lloyds position in Mexico > > Back to Agenda > Back to Agenda > Back to Agenda > Back to Agenda

WHAT IS CLASS REVIEW? Class of Business Analysis by Territory Comparison of Lloyds vs. Market Market Share Analysis Downloadable Triangulations BENEFITS Mexico Pilot Compares Lloyds performance by business class with local market Data reviewed by market practitioners Insights on relevant business information: premiums, market shares & incurred loss ratios > Managing Agent, Broker and Coverholder Versions available on

What can you find in the Broker & Coverholder Version of Class Review? BROKER & COVERHOLDER Brokers & Coverholders have access to the following documents: Mexico Class Review Report (PDF) > 2010 Brazil Direct vs Lloyds Total report BROKER & COVERHOLDER 1 1

What sections are available in the Market Report? MARKET REPORT CNSF MAJOR CLASS OF BUSINESS ANALYSIS Key Players Direct Premium trends Reinsurance Premium & Loss Ratio Trends (Calendar Year) Treaty XL Premium & Loss Ratio Trends (Calendar Year) AGGREGATE Overview and Benchmark Analysis (Lloyds vs. the market) Direct Premium trends Mexico Reinsurance & Lloyds Loss Ratio (Calendar Year) Benchmark Analysis Market vs. Lloyds Mexico Reinsurance & Lloyds Premiums (Calendar Year) LLOYDS MAJOR CLASS OF BUSINESS ANALYSIS Premium Trends (Calendar Year)

Market Intelligence Team How have we created Class Review? 1 Finding the best market information with a class of business breakdown with the help of… RegulatorAssociations Lloyds Country Manager Market Practitioners / LMA Feedback 2 Mapping of market classes of business… …translation into English Finding commonly used class of business descriptions, which can be used to benchmark Lloyds with the market Comparing Lloyds with the rest of the market at a class of business level 3 METHODOLOGY MARKET

BENEFITS Compares Lloyds performance by business class with local market Compares Lloyds performance by business class with local market Mapping of Lloyds specialty classes of business Data reviewed by market participants Insights on relevant business information: premiums, market shares & incurred loss ratios* Insights on relevant business information: premiums, market shares & incurred loss ratios* Download underlying data* *Incurred loss ratios and underlying data are only available for Managing Agents

Mexico Overview Lloyds underwrote a much larger proportion of Property business when comparing to the local market in 2010 Benchmarking tool Illustrates the market class of business breakdown. HOW DOES THIS BENEFIT ME? Class Review exposes particularities of the Lloyds market in a specific territory… Which classes of business does Lloyds specialise in?

Mexico Overview Considering Motor and Health, Mexico retains the majority of its business as opposed to CAT lines. BENCHMARKING TOOL Illustrate how much of the direct premium is ceded. HOW DOES THIS BENEFIT ME? Class Review illustrates the growth of a particular territory… How has the Mexican market evolved over the past 6 years?

Mexico Overview Lloyds premiums in Mexico represent 12.5% of the total reinsurance premium in Mexico. BENCHMARKING TOOL Compares Market performance trends versus Lloyds. HOW DOES THIS BENEFIT ME? These charts illustrate the premium growth of Reinsurance in Mexico and Lloyds premiums in Mexico. How does Lloyds premiums compare with that of the direct local market?

Mexico Overview The profitability of Lloyds business in Mexico are in line with the local market BENCHMARKING TOOL Compares Market performance trends versus Lloyds. HOW DOES THIS BENEFIT ME? These charts illustrate local market and Lloyds loss trends, giving a proxy for profitability. How does Lloyds profitability compare with that of the direct local market?

CNSF Major Classes The liability line of business in Mexico is largely reinsured as only 32% of the direct premium is retained by local insurers indicating a high appetite for reinsurance from the local market. ANALYSIS TOOL Illustrates market premium trends and performance by class. HOW DOES THIS BENEFIT ME? Class Review illustrates the premium development and the percentage of retained and ceded premiums. How has the direct market performed over a 6-year trend?

CNSF Major Classes Reinsurance premiums and loss ratio trends have remained quite stable for the past six years. ANALYSIS TOOL Illustrates market premium trends and performance by class. HOW DOES THIS BENEFIT ME? Class Review illustrates the premium development and loss ratio trends of a particular class of business in Mexico. How has the reinsurance market performed over a 6-year trend?

CNSF Major Classes Treaty XL premiums in Mexico have shown a slow but consistent growth over the past six years. ANALYSIS TOOL Illustrates market premium trends and performance by class. HOW DOES THIS BENEFIT ME? Class Review illustrates the premium development and loss ratio trends of a particular class of business in Mexico. How has the Treaty XL market performed over a 6-year trend?

CNSF Major Classes Many of the 2010 market leaders in the Liability line are ceding most of its premiums. ANALYSIS TOOL Ranks core competitors by class. HOW DOES THIS BENEFIT ME? Class Review reveals the biggest players in the direct market in a particular class of business. Which players could Lloyds target to do business with in specialty classes like Liability?

Lloyds Major Classes Lloyds business in Property D&F account for approximately 62% of total premiums. ANALYSIS TOOL Illustrates Lloyds premium and loss ratio trends by class. HOW DOES THIS BENEFIT ME? Class Review illustrates the growth and profitability of Lloyds business in 8 major classes. How is Lloyds performing in its major classes of business in Mexico?

BENEFITS Compares Lloyds with its core competitors Mapping of Lloyds specialty classes of business Data reviewed by market participants Insights on relevant business information: premiums, market shares & incurred loss ratios* Insights on relevant business information: premiums, market shares & incurred loss ratios* Download underlying data* *Incurred loss ratios and underlying data are only available for Managing Agents

CLASS REVIEW July 2012 Find out more about Lloyds position in Turkey > > Back to Agenda > Back to Agenda > Back to Agenda > Back to Agenda

WHAT IS CLASS REVIEW? Class of Business Analysis by Territory Comparison of Lloyds vs. Market Market Share Analysis Downloadable Triangulations BENEFITS Turkey Pilot Compares Lloyds performance by business class with local market Insights on relevant business information: premiums, market shares & incurred loss ratios* Download underlying data in a clear, easy to use Excel format* *Incurred loss ratios and underlying data are only available for Managing Agents > Managing Agent, Broker and Coverholder Versions available on

What can you find in the Broker & Coverholder Version of Class Review? BROKER & COVERHOLDER VERSION Brokers & Coverholders have access to the following documents: Turkey Class Review Report (PDF) > 2010 Turkey vs. Lloyds report BROKER & COVERHOLDER VERSION 1 1

What sections are available in the Market Report? MARKET REPORT Overview and Benchmark Analysis (Lloyds vs. the market) TSRSB MAJOR CLASS OF BUSINESS ANALYSIS Premium & Loss Ratio Trends (Calendar Year) Key Players TSRSB DETAILED CLASS OF BUSINESS ANALYSIS Premium Trends (Calendar Year) Key Players Direct Premium trends Loss Ratio trends (Calendar Year) Key Players Benchmark Analysis Market vs. Lloyds LLOYDS MAJOR CLASS OF BUSINESS ANALYSIS Premium & Loss Ratio Trends (Calendar Year)

Market Intelligence Team How have we created Class Review? 1 Finding the best market information with a class of business breakdown with the help of… Associations 2 Mapping of market classes of business… …translation into English Finding commonly used class of business descriptions, which can be used to benchmark Lloyds with the market Comparing Lloyds with the rest of the market at a class of business level 3 METHODOLOGY MARKET

BENEFITS Compares Lloyds performance by business class with local market Compares Lloyds performance by business class with local market Mapping of Lloyds specialty classes of business Insights on relevant business information: premiums, market shares & incurred loss ratios* Insights on relevant business information: premiums, market shares & incurred loss ratios* Download underlying data* *Incurred loss ratios and underlying data are only available for Managing Agents

Turkey Overview Lloyds underwrote a much larger proportion of Marine in 2011 business when comparing to the local market in 2010 Benchmarking tool Illustrates the market class of business breakdown. HOW DOES THIS BENEFIT ME? Class Review exposes particularities of the Lloyds market in a specific territory… Which classes of business does Lloyds specialise in?

Turkey Overview Lloyds premiums in 2010 represented 6.7% of the ceded premiums in Turkey BENCHMARKING TOOL Illustrate how much of the direct premium is ceded. HOW DOES THIS BENEFIT ME? Class Review illustrates the growth of a particular territory… How has the Turkish market evolved over the past 3 years?

Turkey Overview Ceded reinsurance in Turkey is profitable in comparison to the direct local market BENCHMARKING TOOL Compares Market performance trends versus Lloyds. HOW DOES THIS BENEFIT ME? These charts illustrate direct and ceded business loss trends, giving a proxy for profitability. How does Lloyds profitability compare with that of the direct local market?

TSRSB Major Classes Insurance premiums and loss ratio trends have improved over the past three years. ANALYSIS TOOL Illustrates market premium trends and performance by class. HOW DOES THIS BENEFIT ME? Class Review illustrates the premium development and loss ratio trends of a particular class of business in Turkey. How has the reinsurance market performed over a 3-year trend?

TSRSB Major Classes AXA dominates the Liability business with a 13% market share. ANALYSIS TOOL Ranks core competitors by class. HOW DOES THIS BENEFIT ME? Class Review reveals the biggest players in the direct market in a particular class of business. Which players could Lloyds target to do business with in specialty classes like Liability?

Lloyds Major Classes Lloyds Marine business accounts for approximately 30% of total premiums. ANALYSIS TOOL Illustrates Lloyds premium and loss ratio trends by class. HOW DOES THIS BENEFIT ME? Class Review illustrates the growth of Lloyds business in 8 major classes. How is Lloyds performing in its major classes of business in Turkey?

BENEFITS Compares Lloyds with its core competitors Mapping of Lloyds specialty classes of business Insights on relevant business information: premiums, market shares & incurred loss ratios* Insights on relevant business information: premiums, market shares & incurred loss ratios* Download underlying data* *Incurred loss ratios and underlying data are only available for Managing Agents

© Lloyds63 This document is intended for general information purposes only. Whilst all care has been taken to ensure the accuracy of the information Lloyd's does not accept any responsibility for any errors or omissions. Lloyd's does not accept any responsibility or liability for any loss to any person acting or refraining from action as a result of, but not limited to, any statement, fact, figure, expression of opinion or belief obtained in this document. Disclaimer

© Lloyds64