1. Tour of Insurance in EA

2. The EA region comprises… Kenya -41m growing at 2.46%, 19yrs Uganda-34.6m growing at 3.6%, 15yrs Tanzania-42.7m growing @2%, 18.5yrs Rwanda-11.4m, 2.8%, 18.7yrs Burundi-10.2m, 3.5%, 16.9yrs Total population = 140m Insurance penetration is low in the region

3. Rwanda… Regulated by the Central Bank Penetration is low at approx 2% of GDP Prem around Francs 53bn in 2010 7 private + 2 public insurance companies about 80% short term, 20% long term

4. Tanzania… Regulated by TIRA Penetration is low at less than 2% of GDP Premiums around TShs 201bn (2009) around 25 insurance companies about 80% short term, 20% long term

5. Uganda… Regulated by Uganda Insurance Commission Penetration is very low at 0.6% of GDP Premiums around UShs 170bn around 22 insurance companies (>50% foreign) over 90% short term!

6. Penetration of Insurance in Kenya 20062007200820092010 GDP at market prices 1 1,6231,8342,1112,3652,551 Life Insurance Premium* 12.4815.1418.321.3626.71 Life Insurance Penetration 0.76%0.83%0.87%0.94%1.05% Non-Life insurance Premium 29.232.9536.8943.1152.35 Non-Life insurance Penetration 1.78%1.82%1.76%1.90%2.05% Total Premium*41.6848.0955.1964.4779.06 Overall Penetration** 2.54%2.65%2.63%2.84%3.10%

7. Industry Growth(Premium collection: Ks.B)

10. General Life Medical & Health Care Medical & Health Care Vehicle Domestic & Industrial Agriculture Marine Liability Aviation Vehicle Domestic & Industrial Agriculture Marine Liability Aviation Pure Life Credit Life Pension Education Savings Funeral Long term care Pure Life Credit Life Pension Education Savings Funeral Long term care Medical Long term care Medical Long term care Insurance Products

11. Major factors influencing growth

12. Thank you