Stream Group Ltd Claims Services Division Update. Paul Lynch- CEO Stream Claims Services February Stream Group Limited ABN:

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1 Stream Grup Ltd Claims Services Divisin Update Stream Grup Limited ABN: Paul Lynch- CEO Stream Claims Services February 2015 Stream Grup Ltd All Rights Reserved.

2 Disclaimer 2

3 Crprate Data ASX CODE: SGO Operatins in Australia, New Zealand, United Kingdm and the Philippines. Tw cre business units: Insurance Claims Services and Claims Sftware Slutins. Issued Capital: 184 millin shares. Market Capitalisatin : $17 millin (9c per share). Tp 5 sharehlders: Dn McKenzie 32.5% Dr Jens Neiser 11.8% Nightingale Partners 8.5% Australian Ethical Investments 5.7% Phenix Develpment Fund 2.8% H2 FY15 guidance EBITDA $3mil - $4mil maintained. 3

4 Divisin Overview 4

5 What We D We help insurance cmpanies achieve greater prfitability: $ We reduce the verall cst f claims. We help insurers retain their custmers. Stream is able t deliver the abve benefits t ur insurer clients because: We clse claims swiftly thrugh efficient prcesses and innvative systems delivering reduced prcessing time and cst. $ We ensure insurers nly pay what is cvered under the plicy. We get the best cst utcme thrugh the cmbinatin f peple, prcesses and systems. We make the claims prcess efficient and easy t understand fr their custmers leading t higher custmer satisfactin. 5

6 2015/2016 Strategy CLIENTS Building diverse revenue thrugh valued services: Operatins cvering 100% f Australia, New Zealand and UK. Wrking in partnership with ur existing clients t expand services. Grwing new clients. Achieving high custmer satisfactin and verall service whilst balancing cst cntrl. Cntinue driving a high perfrmance utcme: Cash flw fcus. Balance sheet strength. Prfitable, scalable and value driven business. OPERATIONAL PERFORMANCE Fcus n existing prducts and services: Expand prfitable lines f business. Frmalise centres f excellence. Streamline resurces/capacity. Maximise grwth and client penetratin. PEOPLE High perfrmance culture: Recgnised as having the best prducts and services t slve ur clients prblems. Investment in peple. Emplyer f chice. Ethical and sustainable. 6

7 Stream perates in a unique market GLOBAL The value f Grss Written Premiums (GWP) generated by the insurance industry is >US$4.71 trillin (2014).* In the past 14 years, GWP has increased by 129%, and cntinues t increase each year. Grwth in GWP leads t a grwth in insurance claims - the mre insured, the mre claims. Insurance is an unavidable part f life in the mdern age; cnsumers want peace f mind. Grwing in prevalence thrugh emerging ecnmies increasing glbal pprtunity. The glbal market prvides Stream: With an pprtunity t capitalise n a glbal scale; and With a prven track recrd f market grwth. RESILIENT Insurance is a critical part f the ecnmy. Where insurance is in place, insurance claims will need t be managed. The insurance industry is able t weather ecnmic dwn turns. Insurance is diverse; insurance types are increasing. Examples include: DIVERSE - Aircraft - Cnstructin - Cyber risk - Engineering - Extended warranty - Farm, crp, livestck - General prperty - Hme warranty/ Lenders Mrtgage - Pet insurance - Prfessinal indemnity - Public liability - Prduct liability - Travel - Marine - Medical indemnity - Mtr vehicle - Wrkers Cmpensatin - Strata Prvides Stream with the pprtunity t diversify int many insurance markets in future. * Surce: 7

8 AUSTRALIA 8

9 Cyclne Marcia Update Fcus is n helping custmers back t nrmality as quickly as pssible, with urgent claims priritised first. Stream resurces frm NZ and ther states f Australia n grund in affected areas t increase capacity. Additinal cntract resurces added t supprt Stream s cre resurces. UK prviding back ffice and administratin supprt t further increase prcessing capacity. 2,420 claims acrss all clients received t date (1pm 27 th Feb). 9

10 Cern update Acquisitin cmpleted n 9 th February. Cern brand retired. All Cern sharehlders are nw Stream CAP sharehlders - alignment f interests fr all sharehlders. Certain business assets acquired pst acquisitin t secure peratinal perfrmance. Certain liabilities als assumed as part f the transactin. Cern Ltd has been placed int vluntary administratin after negtiatins with debt hlders failed t achieve utcme. Funding culd nt be surced fr Cern Ltd due t cntinued pr perfrmance and failed debt hlder negtiatins. 10

11 Claims Services Australia Pst Cern & NIRS Stream (befre Cern & NIRS) 1 Prduct High client cncentratin Single state presence CAT expsure in QLD nly Stream (after Cern and NIRS) 6+ Prducts 30+ Clients Natinal capability Natinal CAT expsure 11

12 Australia - Imprvement in claim vlumes Stream Claims Services Australia Increase f 110% between FY 2014 and FY cnditins n lnger benign. Stream Claim Services % Increase December 589 1, % January % February (t 20 th ) % TOTAL 1,813 3, % When the Brisbane Strm claims are remved, an increase in underlying claims demnstrates an cntinued increase in general claims ldgements by 72%. Perid Increase Dec-Feb 20 th 1,127 1,947 72% Underlying business as usual claims determined by client categrisatin at allcatin. N Cyclne Marcia claims were received during this perid. 12

13 UNITED KINGDOM 13

14 UK- Strng prgress being made : New entrant t UK market : Prgress t achieve prfitability n mnthly basis : Sustainable prfits invested in grwth t extend ftprint and capability. Expansin f prducts and services: Intrductin f marine, high net wrth, cmmercial prperty etc. Increased client base t include brkers. Extended pipeline pprtunities. Access t large internatinal clients (ie: Llyds Market, Lndn Market etc). Why UK investment? Large market with lw client cncentratin. Diversity f earnings. 24hr prcessing capacity. Access t large skill base. 14

15 Claim grwth cntinues Claims are grwing strngly acrss all divisins. P/L prfitability n track fr March. Cash flw psitive May/June due t wrking capital cycle. Claims Received - All Claims % % % 50% % Mnth n mnth increase in claim vlumes 50 0 Sep-14 Oct-14 Nv-14 Dec-14 Jan-15 15

16 Wrk In hand Grwth Wrk in hand = (Value f fee s fr pen claims) (Inviced t date fr pen claims) Generally 2 times mnthly revenue will be wrk in hand value. Clse t target f 600,000 which supprts annual revenue run rate f 3.6mil (A$7mil). 600, , , , , Wrking capital cycle 1. Claims received 2. Wrk in prgress 3. Debtr 4. Cash 100,

17 NEW ZEALAND 17

18 Transitin frm Earthquake Earthquake divisin: Cntinued run ff f existing claims prtfli in line with client prmise. Supprting ur client t be first majr insurer t cmplete EQ prgram. Offering ur prven services t new clients t clse their EQ claims sner. Leveraging learning, skills and systems int ther parts f grup. Business as usual divisin: Twer cntract negtiatins are in final stages. Prgram t expand prperty claims client base (Mtr and Marine divisins have ver 10 main custmers, 20+ in ttal). New services leveraged frm Australia and UK peratins i.e. Liability, Business Interruptin, etc. Bradening ur staff base t align with new prduct intrductin. 18

19 Summary 19

20 Summary Despite disappinting H1 perfrmance and Cern impairment, investment during this perid has created a slid platfrm t generate strng cash flws in H2 cntinuing int FY16; Australia - return t prfitability, with brader client relatinships, expanded prducts and greater reginal cverage. New Zealand transitining frm EQ prgram. United Kingdm transitining frm start up phase t cash flw psitive phase. Delivers integrated 24hr prcessing capacity fr large scale events. Risk prfile decrease due t reginal diversificatin and prduct expansin. Significant reductin f factrs that lead t FY14 and H1 FY15 perfrmance. 20

21 Fr further infrmatin cntact: Dn McKenzie Managing Directr SGO T: E: W:

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