Why Invest in FBD

• One of the largest general insurance companies in Ireland

• Simple strategy focused on agricultural, small business and consumer base

• Strong customer franchise through direct relationships, developed over nearly 50 years of doing business

• Deep agricultural heritage, with a dominant position in the farm insurance market

• Countrywide branch network and multichannel distribution model

• Long track record of underwriting profitably and delivering shareholder returns

• Strong balance sheet and low risk investment allocation

• Supportive, long-term shareholder base

• Irish economy growing strongly - positive for FBD in the medium term

• Industry adapting to changed claims environment - rates hardening and overhaul of the claims system is high on the political agenda