@ICICILombard
Q3 & 9 months investor presentation
Leading pvt non life insurer since 2004
12 yr GDPI CAGR 12.3%
Mkt share 9 mns 7.2%
Agents 55615
Increasing share tier 3,4 cities
Virtual offices 840
Solvency Dec 20 - 2.76x ( req1.5x)
#Q3marketupdates
#Q3investorpresentations
Q3 & 9 months investor presentation
Leading pvt non life insurer since 2004
12 yr GDPI CAGR 12.3%
Mkt share 9 mns 7.2%
Agents 55615
Increasing share tier 3,4 cities
Virtual offices 840
Solvency Dec 20 - 2.76x ( req1.5x)
#Q3marketupdates
#Q3investorpresentations
In rs billion 9 mfy20 /21
Gross written premium 103.6 / 107.6
GDPI 101.32 /105.25
PAT 9.12 /11.27
ROE 21.8 /22.4%
Solvency ratio 2.18 /2.76x
BV 128.76/159.86
EPS 20.07/24.81
Product mix in %
Motor OD & TP 50/49
Motor GDPI Mix
Pvt car 55.9/57.4
2 wheeler 29.6/27.3
CV 14.5/15.3
Gross written premium 103.6 / 107.6
GDPI 101.32 /105.25
PAT 9.12 /11.27
ROE 21.8 /22.4%
Solvency ratio 2.18 /2.76x
BV 128.76/159.86
EPS 20.07/24.81
Product mix in %
Motor OD & TP 50/49
Motor GDPI Mix
Pvt car 55.9/57.4
2 wheeler 29.6/27.3
CV 14.5/15.3
Advanced premium Dec 31st 20 - 31.97 bn / Sep 20 - 31.6 bn
Health ,travel & PA GDPI Mix 9 mon fy20/21
Individual 22.5 /24.9%
Group others 40 /23.2%
Group employer-employee 37.4 /51.9
Individual health indemnity grew 25.7% for 9 month from 17 at Sep 20
Health ,travel & PA GDPI Mix 9 mon fy20/21
Individual 22.5 /24.9%
Group others 40 /23.2%
Group employer-employee 37.4 /51.9
Individual health indemnity grew 25.7% for 9 month from 17 at Sep 20
IL take care for engagement & servicing health,travel, motor customers 344 K+ downloads
Increase in reinsurance rates for fire segments
Net impact of cyclone & flood losses 0.32 bn in Q3
15.7 mn policies sourced ,97.5 % sourced electronically
1.1 mn claims honoured
Increase in reinsurance rates for fire segments
Net impact of cyclone & flood losses 0.32 bn in Q3
15.7 mn policies sourced ,97.5 % sourced electronically
1.1 mn claims honoured
41% Motor OD claims Dec 20 through Instaspect ( 24.5 in Mar)
63% cashless transactions thru AI for GHI (31 in Mar)
66% STP of motor break in from self inspection app thru AI in Dec 20 (40 Mar)
Headcount productivity 15.3%
Diversified exposure, predictive model for risk exposure
63% cashless transactions thru AI for GHI (31 in Mar)
66% STP of motor break in from self inspection app thru AI in Dec 20 (40 Mar)
Headcount productivity 15.3%
Diversified exposure, predictive model for risk exposure
Spread of risk across panel of quality reinsurers
Invest high proportion of Debt portfolio 84.9% in sovereign or AAA rated securities
Combined ratio Q3 fy21 / 9mn fy21 - 96.6 & 97.7% ( 98.7/99.5 Fy20)
Investment portfolio mix 9M
Corporate bonds 43.4%,G sec 38.4 ,equity 10.9
Invest high proportion of Debt portfolio 84.9% in sovereign or AAA rated securities
Combined ratio Q3 fy21 / 9mn fy21 - 96.6 & 97.7% ( 98.7/99.5 Fy20)
Investment portfolio mix 9M
Corporate bonds 43.4%,G sec 38.4 ,equity 10.9
Unrealized gain 19.06 bn Dec31 fy20
,on equity portfolio 6.07 & other than equity 12.99 bn
India 4th largest Non life insurance mkt in Asia & 15th globally
India $ 26.64 bn
EAPAC $ 342 bn
US $3376 bn
Premium as % of GDP(CY19)
USA 8.51
UK 2.31
Japan 2.31
Brazil 1.78
India 0.94
,on equity portfolio 6.07 & other than equity 12.99 bn
India 4th largest Non life insurance mkt in Asia & 15th globally
India $ 26.64 bn
EAPAC $ 342 bn
US $3376 bn
Premium as % of GDP(CY19)
USA 8.51
UK 2.31
Japan 2.31
Brazil 1.78
India 0.94
Non life insurance density( premium per capita) CY19
USA 5580
UK 978
Japan 930
Brazil 155
India 19
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USA 5580
UK 978
Japan 930
Brazil 155
India 19
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