AndrewMoffat Andrew Moffat HRDirector,AvivaEurope

KeynotespeechtoEuropeanDiversity& InclusivenessCongress Vienna,1March2012

FINAL

Aviva plc 2009

Aboutme

AboutAviva
With300yearsof experience,werethe p worldssixthlargest insurancegroup. 44.5mcustomersin 26countriesacross theworldputtheir the orld p t their trustinus.
Wepaidoutabout100 motorclaimseverydayin PolandlastDecember

Weinsure1in3 Irishhomesand 1in4Irish drivers

Werethemarket leaderincorporate insuranceinRussia

Over2mpeoplein theUKrelyonus the UK rely on us tomanagetheir pension Wearethelargest p pensionsproviderin p Turkey,witha20% marketshare
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Wepaid16,800property andmotorclaimsin FrancelastDecember

Recognisingindividuality

Women

Men
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Significanceisahumanneed

Recognising,respectingand Recognising respecting and valuingthedifferencesand skillsofourpeopleisacore Avivavalue Forouremployeeswe For our employees we promise: AtAvivaIam recognisedforwhoIamand mycontributionmatters Forourcustomersweaimto For our customers we aim to liveourpromiseofNoone recognisesyoulikeAviva

HarnessingdiversityandInclusiveness

Thecommercial The commercial businesscase Thecomplexity oflegislation

NavigatingEurope s Navigating Europes culturalmaze

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Thecommercialbusinesscase
Diversity

Fromri iskstoopportunities

Candiversityand y inclusioncreate bettercustomer better customer relationshipsand betterproducts? b d

Businessperformance

HRprocesses HR processes

Externalreputation External reputation

Legalcompliance L l li

Nondiscrimination
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Thecomplexityoflegislation

Doingwhatsright,ratherthanwhatscompliant Apatchworkofequalitylegislationtoo complicatedformultinationalorganisationsto implementconsistently i l t i t tl Easiertotreatlegislationasatickboxexercise g

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Thecomplexityoflegislation

Insurers will no longer be able Insurerswillnolongerbeable tochargedifferentpricesto menandwomenbecauseof theirgenderaftertheECJruling Takingcustomers'genderinto g g accountcontradictslawson discrimination. Butinsurancecompaniescan stilluseotherriskfactorsto calculatetheprice calc late the price

Isequalityactuallyagoodthing? Is equality actually a good thing?

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Inequalityisnotalwaysbad
Can considerany individualcharacteristics Cannot consider individualcharacteristics

Carinsurance:upto25%forwomenunder25 Annuityrates:8%formen;6%forwomen Lifecover:20%forwomen;by10%formen Lif 20% f b 10% f

Source: Association of British Insurers, 2011 10

NavigatingEuropesculturalmaze

Canyoucreateacommonapproachto diversityinamulticulturalregion? diversity in a multi cultural region? Yes.Sharedprinciples,recognising differencesratherthancommonality

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Oursolutions

European and local equality Europeanandlocalequality legislationoverview p providedtoeachMarket. OnlineDiversitytrainingtool deliveredinalllanguages delivered in all languages Signednationaldiversity chartersinFranceand Poland Measuringprogressviaour globalemployeesurvey
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Finalthoughts

Progressiveness
Recognition

Whatifequality isn tourfirst isnt our first priority? Ourfirstpriority: g Creatingwork environments whereeveryoneis included

Recognition Progressiveness Flexibility Flexibility y

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 Aviva plc 2009