Investor Presentaiton

Integration - Focus areas 31 Accelerating revenues Augmenting proprietary growth channels Scaling-up with cross-entity best practices and brand value Realizing cost savings ... Optimizing nation-wide geographic presence (offices, branches, hubs) Access to wider distribution network with focus on priority micro markets Rationalizing overlapping/ redundant spends E.g. Brand spends, software maintenance, AMC Access to wider product portfolio for sales force Driving scale benefits for integrated entity Enhancing customer experience and sales productivity through digital tools Embedding digital operating model at scale Aspiration to close NBM gap over 6-9 quarters HDFC Life

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