With Capgemini Commercial Insurance Risk Analytics powered by HP HAVEn Insurers can gain unprecedented access to information on individual risk factors for a more informed, faster risk assessment.

1. Commercial Insurance
Risk Analytics
G 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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The information contained herein is subject to change without notice.

2. 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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3. 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 to86%
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%
© Copyright 2014 Hewlett-Packard Development Company, L.P. The information contained herein is subject to change without notice.3
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

4. A wealth of data exists inside and outside the
organization that could improve risk assessment
Geographicg p
Is the facility located in a site prone to natural
disasters?
Political
Is the facility located in a region of political
stability/instability?
Economic
Is the facility located in a high, middle, or low economic
area?area?
Crime
Is the facility located in a high crime area?
Risk DensityRisk Density
What are the nearby risk
factors?
CustomerCustomer
Personal details, claims history, other policies ?
Claims
How many claims have been
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How many claims have been
made in this area ?

5. 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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6. Introducing a “one-stop shop” for collecting,
synthesizing, and analyzing risk data
Capgemini 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
© Copyright 2014 Hewlett-Packard Development Company, L.P. The information contained herein is subject to change without notice.6

7. Backed by a business-driven approach, CIRA
directly addresses real client challenges
Capgemini 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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8. HP HAVEn – the leading Big Data platform
HAVEn
Hadoop/ Autonomy V ti Enterprise nAHadoop/
HDFS
Autonomy
IDOL
Vertica Enterprise
Security
nApps
Scale Source Speed Secure
Powering
HP Software
+ your apps
© Copyright 2014 Hewlett-Packard Development Company, L.P. The information contained herein is subject to change without notice.8
Transactional
dataSocial media IT/OT ImagesAudioVideo Mobile Search engineEmail Texts Documents
hp.com/haven

9. More information
Capgemini Insurance :Capgemini Insurance :
www.capgemini.com/CIRA
HP HAVEn:
www.hp.com/HAVEn
Request a live demonstration of CIRA:
InsuranceRisk.fsgbu@capgemini.com
© Copyright 2014 Hewlett-Packard Development Company, L.P. The information contained herein is subject to change without notice.9

10. About Capgemini and HPpg
About Capgemini
With 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 a
meaningful 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 broadest
technology portfolio spanning printing, personal
systems, software, services and IT infrastructure, HP
delivers solutions for customers’ most complex
challenges 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. More
information about HP (NYSE: HPQ) is available at
http://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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