Bajaj Allianz Corporate Update

BAGIC: Risk Management ■ ■ B Allianz BAJAJ Caringly yours Asset Quality 99% of the debt portfolio in AAA and sovereign assets 90.2% of Equity is in Nifty 50 stocks & 93.1% is in BSE100 stocks Oversight by Board & Executive investment committee and group level investment forum Robust ALM position Re-Insurance Reinsurance ceded only to the A- and above & AA rated reinsurers, except mandatory ceding to GIC (Average Retention of ~15% for commercial lines) Large reinsurance capacity & optimum retention Robust process of monitoring concentration of risk Catastrophic events adequately covered ☐ ☐ ☐ Pricing & Underwriting Superior underwriting capability leading to low Combined Ratio consistently Diversified exposure across business lines & geographies - geography, Granular loss ratio modelling distribution, car make/model, vintage, etc. Investigation, loss management & analytics intervention Reserving & Solvency IBNR loss triangles show releases from settlement of claims, indicating robustness of reserving at the point of registration of claims Highest solvency amongst peers 31

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