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class="IndependentProfile_mck-c-independent-profile__wrapper-text__iYyLm"><h1 data-component="mdc-c-heading" class="mdc-c-heading___0fM1W_2734c4f mdc-u-ts-2"><span>Bernhard Kotanko</span></h1><div data-component="mdc-c-description" class="mdc-c-description___SrnQP_2734c4f mdc-u-ts-8">Senior Partner<a data-component="mdc-c-link" href="/sg/overview" class="mdc-c-link___lBbY1_2734c4f"><span class="mdc-c-link__label___Pfqtd_2734c4f">Singapore</span></a></div><div data-component="mdc-c-description" class="mdc-c-description___SrnQP_2734c4f mdc-u-ts-8 mdc-u-mt-3"><p>Serves insurance and asset management companies in Asia鈥揚acific and globally on large-scale strategy and transformation programs</p></div><div data-component="mdc-c-link-container" class="mdc-c-link-container___xefGu_2734c4f mdc-c-link-container--display-column___X0HDD_2734c4f mdc-u-mb-2 mdc-u-mt-3 mdc-u-grid-gutter-md"><a data-component="mdc-c-link" href="#" class="mdc-c-link-icon___SEKyg_2734c4f" aria-haspopup="dialog" title="Email" aria-label="Email" data-sid="E4CD7772-71E3-4976-AA6B-0EBF5B5FE59D" data-layer-event-prefix="Exit Link" data-layer-action="click" data-layer-category="social" data-layer-subcategory="partner" data-layer-subcategory2="email" data-layer-text="Share this profile on email"><span data-component="mdc-c-icon" class="mdc-c-icon___oi7ef_2734c4f mdc-c-icon--radial___y3csX_2734c4f mdc-c-icon--size-xl___3BEee_2734c4f mdc-c-icon--primary mck-email-icon"></span></a></div></div></div></div></div><div class="mck-o-container"><div class="mck-o-container--wrapped mck-o-container--mobile-spacing"><div class="mdc-o-container__body Profile_mck-c-profile__wrapper__BqMov"><div class="Profile_mck-c-profile__container-main__rUO05"><h2 data-component="mdc-c-heading" class="mdc-c-heading___0fM1W_2734c4f mdc-c-heading--title___5qyOB_2734c4f mdc-c-heading--border___K8dj3_2734c4f"></h2><div class="mdc-o-content-body Profile_mck-c-profile__content-body__r8B5S"><p>Bernhard leads our insurance work in Asia, serving financial services companies across Asia鈥揚acific, mainly in Greater China, Singapore, India, Australia, Indonesia, Japan, and Korea.</p> <p>With 20 years of experience across multiple functional areas, Bernhard has led many large-scale transformational programs and advised senior management teams on topics including operating models, digitizing distribution channels, redesigning customer engagement and experience models, and innovating value propositions.</p> <p>Bernhard is often quoted in the media about pressing issues in the insurance industry. He also frequently authors papers on insurance topics and speaks at industry conferences. </p> <p>Bernhard has studied at universities in Europe, Canada, and the United States and has worked in more than 30 countries before settled in Hong Kong, where he lives with his wife and their three daughters.</p></div><div class="Profile_mck-c-profile__area-a__YIGXu container-placeholder mdc-u-grid mdc-u-grid-gutter-lg"></div></div><div class="Profile_mck-c-profile__sidebar-wrapper__E52KM"><div class="container-sidebar mdc-u-grid mdc-u-grid-gutter-xxl"><button data-component="mdc-c-button" aria-label="" type="button" id="button_id" class="mdc-c-button___U4iY2_2734c4f mdc-c-button--primary___Ed-lT_2734c4f mdc-c-button--size-large___jwpUy_2734c4f" data-layer-event-prefix="Exit Link" data-layer-action="click" data-layer-category="social" data-layer-subcategory="partner" data-layer-subcategory2="email" data-layer-text="Share this profile on email"><span data-component="mdc-c-icon" class="mdc-c-icon___oi7ef_2734c4f mck-email-icon Profile_mck-c-profile__contact-icon__Xw5Jp"></span></button><div class="mdc-u-grid mdc-u-grid-gutter-xxl" data-layer-region="profile-expertise"><div><h2 data-component="mdc-c-heading" class="mdc-c-heading___0fM1W_2734c4f mdc-c-heading--title___5qyOB_2734c4f mdc-c-heading--border___K8dj3_2734c4f"></h2><div><ul class="List_mck-c-list___Lb7q"><li><a data-component="mdc-c-link" href="/industries/financial-services/how-we-help-clients/insurance" class="mdc-c-link___lBbY1_2734c4f"><span data-component="mdc-c-icon" class="mdc-c-icon___oi7ef_2734c4f mdc-c-icon--size-xs___g8-q5_2734c4f mck-arrow-right-icon"></span><span class="mdc-c-link__label___Pfqtd_2734c4f">Insurance</span></a></li><li><a data-component="mdc-c-link" href="/industries/financial-services/how-we-help-clients/wealth-and-asset-management" class="mdc-c-link___lBbY1_2734c4f"><span data-component="mdc-c-icon" class="mdc-c-icon___oi7ef_2734c4f mdc-c-icon--size-xs___g8-q5_2734c4f mck-arrow-right-icon"></span><span class="mdc-c-link__label___Pfqtd_2734c4f">Wealth & Asset Management</span></a></li><li><a data-component="mdc-c-link" href="/industries/financial-services/how-we-help-clients/strategy-and-corporate-finance" class="mdc-c-link___lBbY1_2734c4f"><span data-component="mdc-c-icon" class="mdc-c-icon___oi7ef_2734c4f mdc-c-icon--size-xs___g8-q5_2734c4f mck-arrow-right-icon"></span><span class="mdc-c-link__label___Pfqtd_2734c4f">Strategy & Corporate Finance</span></a></li><li><a data-component="mdc-c-link" href="/capabilities/people-and-organizational-performance/how-we-help-clients/organization-design" class="mdc-c-link___lBbY1_2734c4f"><span data-component="mdc-c-icon" class="mdc-c-icon___oi7ef_2734c4f mdc-c-icon--size-xs___g8-q5_2734c4f mck-arrow-right-icon"></span><span class="mdc-c-link__label___Pfqtd_2734c4f">Organization Design</span></a></li><li><div class="List_mck-c-list__non-link-item__lRyc0"><span data-component="mdc-c-icon" class="mdc-c-icon___oi7ef_2734c4f mdc-c-icon--size-xs___g8-q5_2734c4f mck-arrow-right-icon"></span><span>Customer Experience</span></div></li></ul></div></div></div></div></div><div class="mdc-o-content-body Profile_mck-c-profile__content-body__r8B5S Profile_mck-c-profile__additional-body__hv_Ft"><h3>PUBLISHED WORK</h3> <p>“<a href="/industries/financial-services/our-insights/global-insurance-report">Global Insurance Report 2025: The pursuit of growth</a>,” McKinsey & Company, November 2024</p> <p>“<a href="/in/our-insights/steering-indian-insurance-from-growth-to-value-in-the-upcoming-techade">Steering Indian insurance from growth to value in the upcoming ‘techade’</a>,” McKinsey & Company, November 2024</p> <p>“<a href="/au/our-insights/the-productivity-imperative-for-australian-general-insurance">The productivity imperative for Australian general insurance</a>,” McKinsey & Company, November 2024</p> <p>“<a href="/featured-insights/future-of-asia/a-wake-up-call-to-tap-into-digital-wealth">A wake-up call to tap into digital wealth</a>,” McKinsey & Company, October 2024</p> <p>“<a href="/industries/financial-services/our-insights/asia-pacifics-family-office-boom-opportunity-knocks">Asia–Pacific’s family office boom: Opportunity knocks.</a>,” McKinsey & Company, September 2024</p> <p>“<a href="/featured-insights/future-of-asia/aias-lee-yuan-siong-on-building-success-for-the-long-term">AIA’s Lee Yuan Siong on building success for the long term</a>,” McKinsey & Company, May 2024</p> <p>“<a href="/industries/financial-services/our-insights/the-business-of-risk-taking-an-interview-with-jayne-plunkett">The business of risk-taking: An interview with Jayne Plunkett</a>,” McKinsey & Company, March 2024</p> <p>“<a href="/industries/financial-services/our-insights/global-insurance-report-2023-navigating-asias-evolving-market">Global Insurance Report 2023: Navigating Asia’s evolving market</a>,” McKinsey & Company, November 2023</p> <p>“<a href="/industries/financial-services/our-insights/wealthtech-in-asia-pacific-the-next-frontier-in-financial-innovation">WealthTech in Asia–Pacific: The next frontier in financial innovation</a>,” McKinsey & Company, October 2023</p> <p>“<a href="/industries/financial-services/our-insights/insurance/why-asian-insurers-are-ideally-positioned-for-embedded-market-gains">Why Asian insurers are ideally positioned for embedded market gains</a>,” McKinsey & Company, July 2023</p> <p>“<a href="/industries/financial-services/our-insights/insurance/how-the-asian-insurance-market-is-adapting-to-the-future">How the Asian insurance market is adapting to the future</a>,” McKinsey & Company, February 2023</p> <p>“<a href="/industries/financial-services/our-insights/insurance/reimagining-the-life-insurance-model-in-2023">Reimagining the life insurance model in 2023</a>,” McKinsey & Company, December 2022</p> <p><em><a href="/industries/financial-services/our-insights/global-insurance-report-2023-reimagining-life-insurance">Global Insurance Report 2023: Reimagining life insurance</a></em>, McKinsey & Company, November 2022</p> <p>“<span style="background-color: #ffffff; color: #000000;"><a href="/industries/financial-services/our-insights/how-asian-insurers-can-use-digital-marketing-to-fuel-growth">How Asian insurers can use digital marketing to fuel growth</a></span>,” McKinsey & Company, April 2022</p> <p>“<a href="/industries/financial-services/our-insights/creating-value-finding-focus-global-insurance-report-2022">Creating value, finding focus: Global Insurance Report 2022</a>,” McKinsey & Company, February 2022</p> <p>“<a href="/industries/financial-services/our-insights/insurance-blog/the-future-of-insurance-agent-customer-interaction">The future of insurance agent-customer interaction</a>,” McKinsey & Company, December 2020</p> <p>“<a href="/industries/financial-services/our-insights/the-future-of-life-insurance-reimagining-the-industry-for-the-decade-ahead">The future of life insurance: Reimagining the industry for the decade ahead</a>,” McKinsey & Company, September 2020</p> <p>“<a href="/industries/financial-services/our-insights/insurance-blog/how-asian-insurers-can-build-a-digitally-enabled-hybrid-distribution-model">How Asian insurers can build a digitally enabled hybrid distribution model</a>,” McKinsey & Company, June 2020</p> <p>“<a href="/industries/financial-services/our-insights/china-insurance-how-insurers-can-improve-customer-experience-where-it-matters">China insurance: How insurers can improve customer experience where it matters</a>,” December 2019</p> <p>“<a href="/industries/financial-services/our-insights/capturing-current-and-future-value-in-asia-pacific-insurance">Capturing current and future value in Asia–Pacific insurance</a>,” McKinsey & Company, September 2019</p> <p>“<a href="/industries/financial-services/our-insights/the-productivity-imperative-in-insurance">The productivity imperative in insurance</a>,” McKinsey & Company, August 2019</p> <p>“<a href="/industries/financial-services/our-insights/bancassurance-its-time-to-go-digital">Bancassurance: It’s time to go digital</a>,” McKinsey & Company, March 2019</p> <h3>PAST EXPERIENCE</h3> <p><strong>Oliver Wyman</strong><br /> Managing partner, Asia–Pacific</p> <h3>EDUCATION</h3> <p><strong>Vienna University of Economics and Business</strong><br /> MA, international business and trade</p></div></div><div class="mdc-u-grid mdc-u-grid-gutter-xl mdc-u-mt-5"></div></div></div></main></div><script id="__NEXT_DATA__" type="application/json">{"props":{"pageProps":{"locale":"en","dictionary":{},"sitecoreContext":{"route":{"name":"Bernhard Kotanko","displayName":"Bernhard Kotanko","fields":null,"databaseName":"web","deviceId":"fe5d7fdf-89c0-4d99-9aa3-b5fbd009c9f3","itemId":"e4cd7772-71e3-4976-aa6b-0ebf5b5fe59d","itemLanguage":"en","itemVersion":3,"layoutId":"ae753eb4-a035-40b4-83bf-4b4438df6742","templateId":"882cb5bd-9600-43d9-9d6b-de8134d4a7eb","templateName":"Profile","placeholders":{"jss-main":[{"uid":"8babdffb-0cfb-45a5-8364-eb32fa63d241","componentName":"Profile","dataSource":"","fields":{"data":{"profile":{"id":"E4CD777271E34976AA6B0EBF5B5FE59D","name":"Bernhard Kotanko","engTitle":"Bernhard Kotanko","displayName":"Bernhard Kotanko","url":"/sitecore/content/McKinsey/Home/Our People/Bernhard Kotanko","template":{"name":"Profile"},"title":{"jsonValue":{"value":"Bernhard Kotanko"}},"background":{"jsonValue":{"value":"\u003ch3\u003ePUBLISHED WORK\u003c/h3\u003e\n\u003cp\u003e\u0026ldquo;\u003ca href=\"/industries/financial-services/our-insights/global-insurance-report\"\u003eGlobal Insurance Report 2025: The pursuit of growth\u003c/a\u003e,\u0026rdquo; McKinsey \u0026amp; Company, November 2024\u003c/p\u003e\n\u003cp\u003e\u0026ldquo;\u003ca href=\"/in/our-insights/steering-indian-insurance-from-growth-to-value-in-the-upcoming-techade\"\u003eSteering Indian insurance from growth to value in the upcoming \u0026lsquo;techade\u0026rsquo;\u003c/a\u003e,\u0026rdquo; McKinsey \u0026amp; Company, November 2024\u003c/p\u003e\n\u003cp\u003e\u0026ldquo;\u003ca href=\"/au/our-insights/the-productivity-imperative-for-australian-general-insurance\"\u003eThe productivity imperative for Australian general insurance\u003c/a\u003e,\u0026rdquo; McKinsey \u0026amp; Company, November 2024\u003c/p\u003e\n\u003cp\u003e\u0026ldquo;\u003ca href=\"/featured-insights/future-of-asia/a-wake-up-call-to-tap-into-digital-wealth\"\u003eA wake-up call to tap into digital wealth\u003c/a\u003e,\u0026rdquo; McKinsey \u0026amp; Company, October 2024\u003c/p\u003e\n\u003cp\u003e\u0026ldquo;\u003ca href=\"/industries/financial-services/our-insights/asia-pacifics-family-office-boom-opportunity-knocks\"\u003eAsia\u0026ndash;Pacific\u0026rsquo;s family office boom: Opportunity knocks.\u003c/a\u003e,\u0026rdquo; McKinsey \u0026amp; Company, September 2024\u003c/p\u003e\n\u003cp\u003e\u0026ldquo;\u003ca href=\"/featured-insights/future-of-asia/aias-lee-yuan-siong-on-building-success-for-the-long-term\"\u003eAIA\u0026rsquo;s Lee Yuan Siong on building success for the long term\u003c/a\u003e,\u0026rdquo; McKinsey \u0026amp; Company, May 2024\u003c/p\u003e\n\u003cp\u003e\u0026ldquo;\u003ca href=\"/industries/financial-services/our-insights/the-business-of-risk-taking-an-interview-with-jayne-plunkett\"\u003eThe business of risk-taking: An interview with Jayne Plunkett\u003c/a\u003e,\u0026rdquo; McKinsey \u0026amp; Company, March 2024\u003c/p\u003e\n\u003cp\u003e\u0026ldquo;\u003ca href=\"/industries/financial-services/our-insights/global-insurance-report-2023-navigating-asias-evolving-market\"\u003eGlobal Insurance Report 2023: Navigating Asia\u0026rsquo;s evolving market\u003c/a\u003e,\u0026rdquo; McKinsey \u0026amp; Company, November 2023\u003c/p\u003e\n\u003cp\u003e\u0026ldquo;\u003ca href=\"/industries/financial-services/our-insights/wealthtech-in-asia-pacific-the-next-frontier-in-financial-innovation\"\u003eWealthTech in Asia\u0026ndash;Pacific: The next frontier in financial innovation\u003c/a\u003e,\u0026rdquo; McKinsey \u0026amp; Company, October 2023\u003c/p\u003e\n\u003cp\u003e\u0026ldquo;\u003ca href=\"/industries/financial-services/our-insights/insurance/why-asian-insurers-are-ideally-positioned-for-embedded-market-gains\"\u003eWhy Asian insurers are ideally positioned for embedded market gains\u003c/a\u003e,\u0026rdquo; McKinsey \u0026amp; Company, July 2023\u003c/p\u003e\n\u003cp\u003e\u0026ldquo;\u003ca href=\"/industries/financial-services/our-insights/insurance/how-the-asian-insurance-market-is-adapting-to-the-future\"\u003eHow the Asian insurance market is adapting to the future\u003c/a\u003e,\u0026rdquo; McKinsey \u0026amp; Company, February 2023\u003c/p\u003e\n\u003cp\u003e\u0026ldquo;\u003ca href=\"/industries/financial-services/our-insights/insurance/reimagining-the-life-insurance-model-in-2023\"\u003eReimagining the life insurance model in 2023\u003c/a\u003e,\u0026rdquo; McKinsey \u0026amp; Company, December 2022\u003c/p\u003e\n\u003cp\u003e\u003cem\u003e\u003ca href=\"/industries/financial-services/our-insights/global-insurance-report-2023-reimagining-life-insurance\"\u003eGlobal Insurance Report 2023: Reimagining life insurance\u003c/a\u003e\u003c/em\u003e, McKinsey \u0026amp; Company, November 2022\u003c/p\u003e\n\u003cp\u003e\u0026ldquo;\u003cspan style=\"background-color: #ffffff; color: #000000;\"\u003e\u003ca href=\"/industries/financial-services/our-insights/how-asian-insurers-can-use-digital-marketing-to-fuel-growth\"\u003eHow Asian insurers can use digital marketing to fuel growth\u003c/a\u003e\u003c/span\u003e,\u0026rdquo; McKinsey \u0026amp; Company, April 2022\u003c/p\u003e\n\u003cp\u003e\u0026ldquo;\u003ca href=\"/industries/financial-services/our-insights/creating-value-finding-focus-global-insurance-report-2022\"\u003eCreating value, finding focus: Global Insurance Report 2022\u003c/a\u003e,\u0026rdquo; McKinsey \u0026amp; Company, February 2022\u003c/p\u003e\n\u003cp\u003e\u0026ldquo;\u003ca href=\"/industries/financial-services/our-insights/insurance-blog/the-future-of-insurance-agent-customer-interaction\"\u003eThe future of insurance agent-customer interaction\u003c/a\u003e,\u0026rdquo; McKinsey \u0026amp; Company, December 2020\u003c/p\u003e\n\u003cp\u003e\u0026ldquo;\u003ca href=\"/industries/financial-services/our-insights/the-future-of-life-insurance-reimagining-the-industry-for-the-decade-ahead\"\u003eThe future of life insurance: Reimagining the industry for the decade ahead\u003c/a\u003e,\u0026rdquo; McKinsey \u0026amp; Company, September 2020\u003c/p\u003e\n\u003cp\u003e\u0026ldquo;\u003ca href=\"/industries/financial-services/our-insights/insurance-blog/how-asian-insurers-can-build-a-digitally-enabled-hybrid-distribution-model\"\u003eHow Asian insurers can build a digitally enabled hybrid distribution model\u003c/a\u003e,\u0026rdquo; McKinsey \u0026amp; Company, June 2020\u003c/p\u003e\n\u003cp\u003e\u0026ldquo;\u003ca href=\"/industries/financial-services/our-insights/china-insurance-how-insurers-can-improve-customer-experience-where-it-matters\"\u003eChina insurance: How insurers can improve customer experience where it matters\u003c/a\u003e,\u0026rdquo; December 2019\u003c/p\u003e\n\u003cp\u003e\u0026ldquo;\u003ca href=\"/industries/financial-services/our-insights/capturing-current-and-future-value-in-asia-pacific-insurance\"\u003eCapturing current and future value in Asia\u0026ndash;Pacific insurance\u003c/a\u003e,\u0026rdquo; McKinsey \u0026amp; Company, September 2019\u003c/p\u003e\n\u003cp\u003e\u0026ldquo;\u003ca href=\"/industries/financial-services/our-insights/the-productivity-imperative-in-insurance\"\u003eThe productivity imperative in insurance\u003c/a\u003e,\u0026rdquo; McKinsey \u0026amp; Company, August 2019\u003c/p\u003e\n\u003cp\u003e\u0026ldquo;\u003ca href=\"/industries/financial-services/our-insights/bancassurance-its-time-to-go-digital\"\u003eBancassurance: It\u0026rsquo;s time to go digital\u003c/a\u003e,\u0026rdquo; McKinsey \u0026amp; Company, March 2019\u003c/p\u003e\n\u003ch3\u003ePAST EXPERIENCE\u003c/h3\u003e\n\u003cp\u003e\u003cstrong\u003eOliver Wyman\u003c/strong\u003e\u003cbr /\u003e\nManaging partner, Asia\u0026ndash;Pacific\u003c/p\u003e\n\u003ch3\u003eEDUCATION\u003c/h3\u003e\n\u003cp\u003e\u003cstrong\u003eVienna University of Economics and Business\u003c/strong\u003e\u003cbr /\u003e\nMA, international business and trade\u003c/p\u003e"}},"about":{"jsonValue":{"value":"\u003cp\u003eBernhard leads our insurance work in Asia, serving financial services companies across Asia\u0026ndash;Pacific, mainly in Greater China, Singapore, India, Australia, Indonesia, Japan, and Korea.\u003c/p\u003e\n\u003cp\u003eWith 20 years of experience across multiple functional areas, Bernhard has led many large-scale transformational programs and advised senior management teams on topics including operating models, digitizing distribution channels, redesigning customer engagement and experience models, and innovating value propositions.\u003c/p\u003e\n\u003cp\u003eBernhard is often quoted in the media about pressing issues in the insurance industry. He also frequently authors papers on insurance topics and speaks at industry conferences. \u003c/p\u003e\n\u003cp\u003eBernhard has studied at universities in Europe, Canada, and the United States and has worked in more than 30 countries before settled in Hong Kong, where he lives with his wife and their three daughters.\u003c/p\u003e"}},"additionalExpertise":{"jsonValue":{"value":"Customer Experience"}},"expertisePosition":{"jsonValue":null},"autoFetchPublishedWork":{"boolValue":false},"externalPublishedWork":{"jsonValue":{"value":""}},"aboutName":{"jsonValue":{"value":"Bernhard"}},"expertise":{"jsonValue":[{"id":"d58777a8-64a3-439a-8425-42764fc12e8f","url":"","name":"Insurance","displayName":"Insurance","fields":{"Related Link":{"value":{"href":""}},"Title":{"value":"Insurance"},"Description":{"value":"We work with insurance industry clients on critical issues ranging from growth and distribution strategy to claims and core operating capabilities."},"Working With Us 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across all industries rethink organization design to reduce costs, unlock profitable growth, and strengthen both short-term performance and long-term organizational health."},"Working With Us Link":{"value":{"href":"/capabilities/people-and-organizational-performance/how-we-help-clients/organization-design","id":"{79FF7245-0DC7-4101-91D6-7782C6CA2958}","querystring":"","text":"","anchor":"","title":"","class":"","url":"/McKinsey/Home/Business Functions/People and Organizational Performance/How We Help Clients/Organization Design","linktype":"internal","name":"Organization Design"}},"Global Landing Links":{"value":[]}}}]},"independentImage":{"src":"/~/media/mckinsey/our people/bernhard kotanko/bernhard_kotanko_896x1080_fc.png"},"standardImage":{"src":"/~/media/mckinsey/our people/bernhard 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