Commercial Insurance Risk AnalyticsG i d d i f iGain unprecedented access to information on individual risk factors for a more informed, faster risk assessment,

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Is the insurance industry keeping up with the changing risk environment ?

“Insurers and brokers are trying to get their arms around the challenges better. I think part of the answer is investing in research and development; making better use of the vast amount of dataand development; making better use of the vast amount of data available and perhaps looking at solutions with a greater degree of innovation - without discarding the fundamentals of insurers managing their books of business in a way that has served them

ll i ti f fi i l t il f th t ”well in times of financial turmoil for other sectors.”

President of FERMA

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Most insurers agree on Big Data’s potential for competitive advantage

Believe those insurers that do not capture the potential of Big Data will become uncompetitive

82%

Agree that analyzing multiple-source data together, rather than separately, is crucial to 86%making accurate predictions

Agree that linking information by location isAgree that linking information by location is key to usefully combining disparate sources of Big Data

88%

Say that the digitally-enabled world will see the emergence of new risk rating factors

96%

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g g

Source: the big data rush: how data analytics can yield underwriting gold. Survey conducted by Ordnance Survey and the Chartered insurance Institute, 25 April 2013

A wealth of data exists inside and outside the organization that could improve risk assessment

Geographicg pIs the facility located in a site prone to natural disasters?

PoliticalIs the facility located in a region of political stability/instability?

EconomicIs the facility located in a high, middle, or low economic area?area?

CrimeIs the facility located in a high crime area?

Risk DensityRisk DensityWhat are the nearby risk factors?

CustomerCustomerPersonal details, claims history, other policies ?

ClaimsHow many claims have been

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How many claims have been made in this area ?

The challenge is to integrate large volumes of varied data and make it accessible

How do separate

Business impact

Delays and inefficiencies inHow do separate the data I need from the vast data that exists?

Delays and inefficiencies in collation of data required for informed decision-making

How and where can I access the data I need?

Inability to treat risks individually and assess

t l

=

How do I identify new data sources to mine for relevant information?

How do I analyze d t i lti l

accurately

Inability to use data information? data in multiple formats from disparate sources?

proactively and lack of predictive capabilities

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Introducing a “one-stop shop” for collecting, synthesizing, and analyzing risk dataCapgemini Commercial Insurance Risk Analysis (CIRA) powered by HPCapgemini Commercial Insurance Risk Analysis (CIRA), powered by HP HAVEn

• Focus on the business ofFocus on the business of underwriting

• Supporting risk• Supporting risk assessment on an individual policy basis

• Integrate multiple sources• Integrate multiple sources for real-time decision making

• Provide the right data for• Provide the right data for the right decisions

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Backed by a business-driven approach, CIRA directly addresses real client challengesCapgemini intellectual property (IP) development originates from ideas pain points andCapgemini intellectual property (IP) development originates from ideas, pain points, and issues of our insurance clients and involves clients and independent industry experts throughout the IP lifecycle.

Business-driven

CIRA core concept originated in a workshop with one of our global insurance clients

Business-driven approach to the definition and development of intellectual property

i ifi t

Independent underwriting firm qualified to QA the CIRA - Proof of Concept (PoC)

removes a significant amount of risk for our clients

PoC is being demonstrated to multiple insurersPoC is being demonstrated to multiple insurers in the EU and NA for feedback, shaping the next stage development

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HP HAVEn – the leading Big Data platform

HAVEn

Hadoop/ Autonomy V ti Enterprise nAHadoop/HDFS

AutonomyIDOL

Vertica Enterprise Security

nApps

Scale Source Speed SecurePowering HP Software+ your apps

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Transactional dataSocial media IT/OT ImagesAudioVideo Mobile Search engineEmail Texts Documents

hp.com/haven

More information

Capgemini Insurance :Capgemini Insurance :www.capgemini.com/CIRAHP HAVEn:www.hp.com/HAVEn

Request a live demonstration of CIRA: InsuranceRisk.fsgbu@capgemini.com

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About Capgemini and HPpg

About CapgeminiWith more than 131,000 people in 44 countries, C i i i f th ld' f t id f

About HP

HP creates new possibilities for technology to have ameaningful impact on people, businesses,

Capgemini is one of the world's foremost providers of consulting, technology and outsourcing services. The Group reported 2013 global revenues of EUR 10.1 billion.Together with its clients, Capgemini creates and delivers

g p p p , ,governments and society. With the broadesttechnology portfolio spanning printing, personalsystems, software, services and IT infrastructure, HPdelivers solutions for customers’ most complexchallenges in every region of the world Moreg , pg

business and technology solutions that fit their needs and drive the results they want. A deeply multicultural organization, Capgemini has developed its own way of working, the Collaborative Business ExperienceTM, and draws on Rightshore® its worldwide delivery model

challenges in every region of the world. Moreinformation about HP (NYSE: HPQ) is available athttp://www.hp.com

draws on Rightshore , its worldwide delivery model.

Rightshore® is a trademark belonging to Capgemini

www.capgemini.com/financialservices www.hp.com

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