1. Agenda Anadolubank Banks and Insurers: what to learn from each other Bancassurance Distribution Models Conclusion

2. 120 Branches 100% Turkish Top Rated Anadolubank

3. Bancassurance vs Nonbancassurance

4. Reciprocal Benefits BANK INSURER Reduces customer risk exposure Profitable High commission No collection problem Deepening customer relationship Brand awareness Reduces customer churn Mass production Customer activation

5. Technology HR Understanding customer’s financial needs Multichannel distribution Creating insurance awareness Creativity/product management Mass customer education Customer relationship Customer’s confidence Understanding customer’s insurance needs Flexible payment terms Timely assistance Insurance=commission ? Customer service = insurer’s service quality Technology HR Not as institutionalized Pros Cons Agent & Insurance CompanyBank Fusion

6. Understanding customer’s financial needs Technology HR Multichannel distrubition Creativity/ product management Customer’s confidence Creating customer awareness Mass customer education Timely assistance Customer relationship Understanding customer’s insurance needs Flexible payment terms BankAgent&Insurance Company Fused

7. Single supplier / Exclusive partnership Multi suppliers / Product exclusivity Bancassurance Distrubition Models

8. Marketing Base Operational Base Core Banking Sms/Mail Policy InsurerInsurer CustomerCustomer Online Online, Multisupplier & Multiproduct Platform

9. Bancassurance is getting vital Banks should and will invest more on bancassurance Should learn from each other Conclusion