Slides
Page 1
INVESTOR PRESENTATION H1 FY26
Page 2
Executive Summary : H1 FY26 Levers of Growth Financial Performance Customer Centricity Agency Fresh Growth Fresh GWP Contribution Banca Corporate Digital GWP (Cr) (without 1/n) PAT (Cr) (IND AS) Expense Ratio (IND AS) Combined Ratio (IND AS) Lives covered (Cr) (Overall) Renewal Ratio NPS Grievances/ 10k Policies Fresh Growth Fresh GWP Contribution Fresh Growth Fresh GWP Contribution Fresh Growth Fresh GWP Contribution IND AS numbers are reviewed by Joint Statutory Auditors | GWP numbers mentioned are without 1/n | GWP Contribution numbers exclude RI Inward 20% -14% -86% 47% 66% 13% 2% 19% H1FY25 H1FY26 H1FY25 H1FY26 H1FY25 H1FY26 H1FY25 H1FY26 8809 7847 518 428 29.7% 31.1% 100.3% 102.1% H1FY25 H1FY26 H1FY25 H1FY26 H1FY25 H1FY26 H1FY25 H1FY26 1.3 1.2 98% 94% 61 59 22 18
Page 3
Agenda Our Strategy Financial Performance
Page 4
Key Pillars of Our Strategy Retail Indemnity Expert Retail Fresh Growth GWP Contribution from Retail Policies GWP Numbers mentioned are on without 1/n basis | GWP Contribution numbers exclude RI Inward Unparallel Distribution Network Digital First Strong Operational Efficiency Best-in- Class Claims Management Agents Branches Digital Premium Collection App Downloads Solvency Ratio Opex/GWP (IGAAP - Without 1/n) ~1% GWP Cost Efficient Processing 1 2 3 4 5 Customer Centricity Overall NPS Claims NPS 6 Cashless < 3 Hours Banca Partners Mn+ 24% 95% 805k 915 77 75% 12.2 2.15x 14.7% 94% 61 61
Page 5
Key Performance Indicators Figures for the previous year / quarters and year to date have been re-grouped / re-arranged to conform to current year / current quarter and year to date presentation and regulatory requirements. ROE- PAT/ Average Net worth | Numbers are basis 1/365 URR method. | IND AS Financials numbers are reviewed by Joint Statutory Auditors 2024 2025 2025 2026 Loss Ratio 66.5% 70.7% 70.9% 70.6% Expense Ratio 30.7% 30.4% 31.1% 29.7% Combined Ratio 97.3% 101.1% 102.1% 100.3% Underwriting profit/loss 353 -165 -149 -27 Investment Income 1,171 1260 744 752 Investment Yield (Annualized) 8.3% 7.7% 9.3% 8.3% Profit/(Loss) after tax 1,103 787 428 518 Return on equity (Non-Annualized) 15.2% 9.5% 5.3% 5.8% GWP 15,254 16781 7847 8029 Expense Ratio 30.2% 30.8% 30.9% 32.4% Combined Ratio 96.7% 101.1% 101.1% 103.0% GWP 15,254 17553 7847 8809 Retail Health Renewal Premium Ratio 98.4% 97% 94% 98% Expense Ratio (IGAAP) 30.2% 29.9% 30.9% 30.7% Combined Ratio (IGAAP) 96.7% 100.2% 101.1% 101.2% IGAAP (with 1/n) Particulars Fiscal Year Ended March 31 Six Months Ended Sep 30 (INR Crore, unless otherwise stated) IGAAP (without 1/n) IND AS (IFRS)