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AZ HOLDING

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WE. AZ Holding has through the years become a recognized high performance leading market player in claims management, able to provide top quality service applied to anti-fraud sector. Types of accidents managed: vehicles, industrial buildings , boats, fire accidents and fleet accidents. The unique approach of AZ is based on three specific assets: backoffice staff which coordinate field agents operating on a high quality data management software.

AZ Holding has legal permission to operate in the insurance market according to the italian 134 T.U.L.P.S. law. The Group operate nationally, thanks to the three offices in: Milan, Rome and Naples.AZ Holding has an high expertice also in the high risk regions such as Campania, Basilicata, Puglia e Lazio.

AZ Holding

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CEO

CFO IT

HR Administration Management Control

Anti-fraud

OperationsBack Office

Field agentsIn house Staff

Performance Quality Control

Amministrative office

Business Intelligence

Protocols office Infoproviding

AZ Holding

Quality, Innovation & Processes Manager

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A-Zera s.r.l. has been established in 1974 in Naples by Antonino Restiono, who is currently the major shareholder of the Group.The company developed in the years thanks to investigation and infoproviding business.AZ Holding became a pioner in the anti-fraud sector, thanks to a vision oriented to new business solutions, now the Group is leader in the anti-froud insurance market.

HISTORY

1974 Foundation of A-Zeta s.r.l.

2000Starting of Anti-Fraud activities

2010 Join of «Protocollo Campania»

2015AZ Holding outsourcer of the

most important italian insurance companies

AZ Holding

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Paid-in share capital amounts to 9.600.000 euro. In 2015 revenue reached 8.3 mln euro. AZ Holding has more than 200 staff members including managers, consultants, experts and employees.

DIMENSION

GROWTHCAGR 18%

Thanks to the know-how, technology and specific skills dedicated to the creation of flexible processes and solutions, AZ Holding has grown exponentially in the last three years.

AZ Holding

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1,000,000

2,000,000

3,000,000

4,000,000

5,000,000

6,000,000

7,000,000

8,000,000

9,000,000

Group revenue

2013 2014 2015

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EBITDA & NET PROFIT

*Unaudited

2013 2014 20150

100,000

200,000

300,000

400,000

500,000

600,000

700,000

800,000

900,000

398,442

695,369

851,500

Net Profit

*2013 2014 20150

500

1,000

1,500

2,000

2,500

881

2194

2400

EBITDA

17,58%

thousand euro

30%27,46%

*

AZ Holding

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ELITE GROUP

ITALIAN STOCK

EXCHANGE

On May 7 2014 AZ Holding has become part of the prestigious Elite Group of the Italian Stock Exchange. AZ Holding, alongside the best Italian companies, is on the ELITE path towards continued growth, change and leadership.

AZ Holding is one of 300 European companies ELITE Program of the Italian Stock Exchange (Borsa Italiana – LSE Group). AZ is the only company representing the financial services sector in ELITE. The ELITE Program is consolidating AZ’s focus on organizational excellence and governance to ensure a stronger brand and greater client outreach.

AZ Holding

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The AZ Holding data base incorporates hundreds of thousands of information and grows exponentially. New business areas interface with the world of big data. We use the most updated technologies to design new custom services the biggest national insurance companies.

BIG DATAAZ Holding

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ANTI-FRAUD

AZ Holding

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SERVICES

ADVANTAGESTime and cost cut on claims procedures of insurance companies, with consenquent improvement of client satisfaction rate.Fast legal assistance on accidents. AZ Holding is able to give support with an excellence team focused on operation and management side.

• Anti-Fraud (investigation of second level)

• Investigations of first level (investigation step by step)

• Civil liability

• Recovery of accidents protocols from legal authorities

• Investigations on health records

• Investigation on claims

AZ Holding

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COMPLIANCE

VALUES

AZ Holding has always paid attention to the corporate self-regulation integrated into his business model, for this reason the Group has adopted an intenal Code of Ethics dedicated to anti-fraud BU, subscribed by all employees.

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The Gorup operates in compliance with the Code of Ethics focusing on princples: legality, integrity, fairness, impartiality and transparency.

AZ Holding

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OPERATIONS

HR

8 Back Office

1 Manager

50 Field Agents

2 Quality Control

AZ Holding

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Aci GlobalAIGAXACattolicaClaimexper srl - ZurichContèCorisFondiaria-SaiGeneraliGenerali FlotteGenerali Fondo AGenerali Fondo BGenertelGroupamaItalianaReale MutuaSheridanSogesa Ufficio Centrale ItalianoUnipol - SAI

VOLUMS OF ACCIDENTS35.835

Accident cases managed from 2012 to current month

AZ Holding

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PERFORMANCE

12%Legal waiver on accidents

Data from 2012 to current month

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5000

10000

15000

20000

25000

30000

35000

40000

Number of Accidents Legal Waiver

AZ Holding

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CONTROL &

MONITORING

AZ Holding

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DATA SECURITYInternal IT and Claim Management System certified by ISO 27001.

In compliance with the ISO rules we operate with special attention to the following procedures:1) Plan 2) Implementing3) Monitoring4) Mantenance5) Risk assessment

DISASTER RECOVERY

Disaster recovery in 24 h

Compliance ISO 27001

AZ Holding

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INTEGRATION

S.I. Client

• Data extraction

S.I. AZ Holding

• Workflow data

S.I. Client

• Acquisition of workflow data

Process assesment to ensure any kind of data integration Flow control Automatization of data flow Web integration into encrypted channels

Crypto-WEB Crypto-WEB

AZ Holding

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MONITORING PROCESS

AZ Holding

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Calculation of margin

Project Codes

Acces per BU

Performance Timing

PLANNING MANAGEMENT

AZ Holding

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DB

Research Filter

PLANNING MANAGEMENTAZ Holding

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PROJECT2016Taking in charge

protocol (upload on AZ digital operation

system)

The system matchs data with past ones and is able

to provide Alerts for suspected cases

Identification of cases that needs further

investigation process

Identification of cases that needs further investigation

process (anti-fraud)

AZ Holding

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BUSINESS INTELLIGENCE SYSTEM

Claim Details

AZ Holding

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Milanvia Borgogna 2, 20122Ph. +39 02 760 22 442Fax +39 02 760 26 408

Napolesvia Santa Lucia 50, 80132Ph. +39 081 764 60 60Fax +39 081 247 11 60

Romevia F. Rosazza 46, 00153Ph. +39 06 693 194 05Fax +39 06 693 181 73

Pozzuolivia Antiniana, 2 80078Ph. +39 081 764 60 60Fax +39 081 247 11 60

AZ Holding