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n rew o aHRDirector,AvivaEurope

KeynotespeechtoEuropeanDiversity&InclusivenessCongressVienna,1March2012

FINAL

Aviva plc 2009

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Aboutme

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AboutAviva

With300yearsofexperience,werethe

Wepaidoutabout100motorclaimseverydayinPolandlastDecember

Weinsure1in3Irishhomesand

1in4Irishdrivers

WerethemarketleaderincorporateinsuranceinRussia

worldssixthlargest

insurancegroup.

44.5mcustomersin26countriesacross

ewor pu e rtrustinus.

Over2mpeopleintomanagetheir

pensionWearethelargestensions roviderin

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Turkey,witha20%marketshareWepaid16,800propertyandmotorclaimsin

FrancelastDecember

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Recognisingindividuality

MenWomen

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Significanceisahumanneed

,valuingthedifferencesand

skillsofourpeopleisacoreAvivavalue

promise: AtAvivaIamrecognisedforwhoIamandmycontributionmatters

For our customers we aim toliveourpromiseof NoonerecognisesyoulikeAviva

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HarnessingdiversityandInclusiveness

businesscase

Thecomplexity

oflegislation

culturalmaze

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Thecommercialbusinesscase

Diversity

Candiversit and Businessperformance

inclusioncreateortunities

relationshipsandiskstoopp

betterproducts?From

r

ega comp ance

Nondiscrimination

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Thecomplexityoflegislation

Doingwhatsright,ratherthanwhatscompliant

Apatchworkofequalitylegislationtoo

complicatedformultinationalorganisationstomp emen cons s en y

Easiertotreatlegislationasatickboxexercise

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Thecomplexityoflegislation

tochargedifferentpricesto

menandwomenbecauseoftheirgenderaftertheECJruling

Takingcustomers'genderinto

accountcontradictslawsondiscrimination.

Butinsurancecompaniescan

stilluseotherriskfactorstoca cu a e epr ce

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u y u y

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Inequalityisnotalwaysbad

Can considerany

individualcharacteristics

Cannot consider

individualcharacteristics

Carinsurance: upto25%forwomenunder25

Annuityrates:8% formen;6% forwomen

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L ecover: 20% orwomen; y10% ormen

Source: Association of British Insurers, 2011

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NavigatingEuropesculturalmaze

Canyoucreateacommonapproachto

Yes.Sharedprinciples,recognising

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differencesratherthancommonality

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Finalthoughts

ProgressivenessWhatifequality

priority?

Recognition Ourfirstpriority:Creatin workProgressiveness

Flexibility

environmentswhereeveryoneisFlexibility included

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Aviva plc 2009