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(ENGLISH SUPPLEMENT)

In Property and Casualty insurance, op-erating profit grew strongly, benefit-ting from an improved underwriting

result after a lower impact from naturalcatastrophes. Revenues increased in theLife and Health insurance segment due tostrong new life sales, and operating

profit remained at a high level. Followingexceptionally high results in the previousyear, Asset Management performedwithin expectations.The conglomerate solvency ratio rose bytwo percentage points to 184% as ofMarch 31, 2014, from 182% at the end of2013. Shareholders equity grew over thesame period by 6.9% to53.525 billion from 50.084 billion.In the first three months, Allianzachieved results comparable to lastyears highs. This is an encouraging start

for the year. While it is hard to predictwhat kind of economic and politicalvolatility lies ahead in the current envi-ronment, we are well prepared for therest of 2014, said Dieter Wemmer, ChiefFinancial Officer of Allianz SE.In the first quarter of 2014, grosspremiums written in Property andCasualty insurance reached15.22 billion, an increase of 0.1% year-on-year from 15.20 billion. Excludingforeign exchange and consolidationeffects, internal growth was 1.9%. Stronginternal premium growth came especially

from Germany and Turkey as well as fromAllianz Global Corporate & Specialty andAllianz Worldwide Partners.The segments operating profit rose12.9% to 1.49 billion in the first quarterof 2014 from 1.32 billion over the sameperiod last year. Growth in operatingprofit stemmed mainly from a betterunderwriting result of 705 million after540 million in the first quarter of 2013.This improvement was helped by lowernatural catastrophe claims and acontinued positive pricing environment.

The quarterly combined ratio improved

by 1.7 percentage points to92.6% from 94.3% in theprevious years first quarter.Impacts from naturalcatastrophes were mainlylimited to winter storms inthe US and floods in the UK.

Germany, France and thecorporate and creditinsurance areas recordedlower claims than last year.The loss ratio fell year-on-year to 64.6% from 66.1%.Over the same period, theexpense ratio decreased to 28.0% from28.2% partly due to operationalimprovements in various units.In Life and Health insurance, statutorypremiums rose to 17.16 billion in thefirst quarter of 2014 from 14.84 billion

over the same period the previous year.This represents an increase of 15.7%.Excluding foreign exchange andconsolidation effects, internal growthwas 16.4%.Premium growth came from all coremarkets. At 2.56 billion, Allianz Life inthe US alone attracted someone billion euros more in premiums inthe quarter than in the previous yearsfirst quarter, an increase of 63.6%.Germany and the Benelux region alsorecorded double-digit growth in volumes.The new business margin grew

0.7 percentage points in the first quarterof 2014 to 2.5% from 1.8% over the sameperiod the year before. Over the sameperiod the value of new businessincreased to 360 million from238 million.Operating profit rose 2.9% to880 million in the first three months of2014 from 855 million the year before.The transfer of certain entities from AssetManagement contributed 26 million tothis development.Operating revenues in Asset

Management in the first quarter of 2014

were 1.52 billion, adecrease of 18.9% from1.87 billion for the firstquarter of 2013, after thetransfer of certain entitiesto other businesssegments as of January 1,

2014. The first quarter ofthe previous year hadexceptionally highperformance fees as theresult of the closure of aprivate fund.

Operating profit reached646 million for the quarter, a decline of26.3% from 877 million in the firstquarter of 2013, after the transfer ofentities to other business segments. Thisreduction stemmed from one-offperformance fees in the first quarter of

the previous year and the weakening ofthe US-dollar. The non-recurrence ofthese performance fees increased thecost-income ratio to 57.4% from 53.1%.Total assets under management rose1.6% to 1,765 billion at the end of thefirst quarter of 2014 from 1,738 billionat the start of 2014. Over the sameperiod, third-party assets undermanagement grew 1.0% to 1,342 billionfrom 1,329 billion.The development in assets undermanagement was supported by marketvalue increases, which outweighed third-

party net outflows of 19.8 billion in thefirst quarter of 2014, compared to netinflows of 41.8 billion in the previousyears first quarter. While PIMCOrecorded net outflows of 21.7 billionfrom January to March of 2014, AllianzGIsaw net inflows over the same period of1.9 billion.Given its solid performance and theoutperformance of both of our insurancesegments, we remain on track to achieveour operating profit outlook for the fullyear of 10.0 billion, plus/minus

500 million, said Dieter Wemmer.

Allianzstarts2014withstrongfirstquarterAt 33.96 billion, Allianz achieved the highest total quarterly revenues in the companyshistory. Compared to the previous years first quarter figure of 32.05 billion, revenuesincreased by 6.0%. Operating profit reached 2.72 billion, 2.6% below the previous years

record figure of 2.80 billion. Net income attributable to shareholders was 1.64 billion, adecrease of 3.9% from 1.71 billion the year before.

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GreekInsuranceMarket:

Hellenic Association of Insurance Companiessurveyed the Greek market regarding the premiumproduction for Q1 of 2014.59 insurance enterprises responded, which accumulated

94.6% of premium (including policy fee) according to theinsurance markets full data for 2012. From the above, 21were activein Life insurance (98.7% market share) and49 were active in the Non-life insurance (91.3% marketshare). The premium production of the Q1 of 2014 in com-parison to the Q1 of 2013 amounted to 986.27 mln, de-creased by 2.4%. Life Insurance premiums amounted to421.05 mln (+2.5%). Non-Life premium amounted to302.54 mln (-3.7%)) of which MTPL 262.69 mln (-8.0%)

and Other Non-life 302.54 (-3.7%).

PremiumQ12014Important non-life branches

Q1 2014 Growth

3. Land vehicles 57,559,606.10 -9.2%

7. Goods in transit 6,203,874.66 -3.3%

8. Fire and natural forces 103,208,383.10 -3.7%

9. Other damages to property 43,627,120.11 -5.1%

10. Motor vehicle liability 262,685,355.07 -8.0%

13. General civil liability 23,243,261.08 +0.3%

Important life branches Q1 2014 Growth

I. Life 304,868,119.90 +0.8%

III. Life insurance linked to investments 58,915,805.69 +7.6%

Munich Res current InsuranceMarket Outlook 2014 anticipatesreal overall growth in primary in-

surance premiums adjusted for infla-tionary and currency effects of 2.8%this year and 3.2% in 2015. This corre-sponds to nominal growth (calculated ineuros) of 3.9% in 2014 and 4.6% in 2015.After three years of relatively lowgrowth rates, global premium growth isslowly picking up once again, saidMichael Menhart, Chief Economist at Mu-nich Re. Above all, this is due to eco-nomic recovery in the industrial nations.However, many emerging countries arecurrently experiencing a cooling of theireconomies. Growth prospects in Chinaare muted, Russias economy is sufferingfrom the Ukraine crisis, and countrieslike Brazil and India are also strugglingwith comparatively weaker economic dy-namics. This also has an effect on the in-surance sector.

Whilst in recent years dynamic growth inemerging countries has served as the de-cisive growth driver of global premiumvolumes, particularly in property-casu-alty insurance, it is the industrial coun-tries whose contribution to growth iscurrently increasing. In the long term,however, we expect that emerging coun-tries will continue to become more im-

portant for the global insurance mar-kets, said Menhart.In 2013, global insurance markets saw re-strained growth of 2.1% in real terms.Whilst primary insurance premiums inproperty-casualty insurance rose by2.8%, the life insurance segment grew byonly 1.8%, due to a number of regulatoryone-off effects and subdued growth inmany industrial countries. Overall growthin primary insurance is expected to showan increase in real terms of 2.8% (nomi-nal in euros: 3.9%) in 2014, and by 3.2%(nominal: 4.6%) in 2015. This develop-ment will be mainly influenced bystronger growth again in life insurance.The analysis by the Munich Re economicresearch team estimates that global in-surance markets will grow at the samepace as the global economy in themedium term.The Munich Re economists think thatemerging countries will have a much

greater weight in the insurance marketby 2020. The share of the emergingAsian countries in global premium in-come is anticipated to increase from 9%over the past year to 14% in 2020. TheChinese market which with premiumvolume of around 210bn in 2013 was al-ready the fourth-largest primary insur-ance market will more than double by

2020 and will then be the third-largestmarket worldwide.The USA is still the largest insurancemarket and its premium volume will in-crease to more than 1,200bn by 2020.This will make the US market more thantwice as large as the second-largest mar-ket, Japan, and more than two and a halftimes the size of the Chinese market. Ac-cording to the analysis, by 2020 thelargest absolute growth in premiums inproperty-casualty insurance will be in theUSA, followed by China. Conversely,China will see the largest absolutegrowth in life insurance premiums,ahead of the USA.The reinsurance sector will also profitfrom the growth in primary insurancemarkets. Despite the current cyclicalprice pressures in the property-casualtysector, which are curbing premiumgrowth, by 2020 there should be averagegrowth in reinsurance markets in real

terms of slightly above 2% per year(nominally around 4% p.a. on a eurobasis).The Insurance Market Outlook is pub-lished annually. This analysis is basednot only on economic and market data,but also on Munich Res own models andestimates of the growth potential of theinsurance industry.

Economicupswingand insurancemarketsThe economic recovery in many industrial nations means that global insurance markets are

also seeing stronger growth. In many emerging countries, growth rates will remain veryhigh in the medium to long term. However, decelerating dynamics in those countries will

impact the high level of growth somewhat in the short term.

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