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Bernhard Kotanko

Senior Partner, Hong Kong

Serves insurance and asset management companies in Asia–Pacific and globally on large-scale strategy and transformation programs


With 20 years of experience across multiple functional areas, Bernhard works with financial services companies across Asia–Pacific, mainly in Greater China, Singapore, India, Australia, Indonesia, Japan, and Korea.

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.

Prior to joining McKinsey as a senior partner, Bernhard worked for 18 years at Oliver Wyman, where he served as leader of the insurance division, managing partner for the Asia–Pacific region, and a member of the global executive committee.

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. Bernhard studied in Europe, Canada, and the US, earning a Master's degree from University of Vienna and participating in Harvard Business School's General Management Program. He has worked in more than 30 countries and settled in Hong Kong in 2014, where he lives with his wife and their three daughters.


Capturing current and future value in Asia–Pacific insurance,” McKinsey & Company, September 2019


How Asian insurers can use digital marketing to fuel growth,” McKinsey & Company, April 2022

Creating value, finding focus: Global Insurance Report 2022,” McKinsey & Company, February 2022

The future of insurance agent-customer interaction,” McKinsey & Company, December 2020

The future of life insurance: Reimagining the industry for the decade ahead,” McKinsey & Company, September 2020

How Asian insurers can build a digitally enabled hybrid distribution model,” McKinsey & Company, June 2020

China insurance: How insurers can improve customer experience where it matters,” December 2019

The productivity imperative in insurance,” McKinsey & Company, August 2019

Bancassurance: It’s time to go digital,” McKinsey & Company, March 2019


Oliver Wyman
Managing partner, Asia–Pacific


Vienna University of Economics and Business
MA, international business and trade