Investor Presentaiton

Profit Accounting Economic Profit Focus on profitable growth FY20 FY21 FY22 Q1 FY22 Q1 FY23 Rs bn New business Margin 25.9% 26.1% 27.4% 26.2% 26.8% Value of new business 19.2 21.9 26.8 4.1 5.1 Profit after tax (PAT) 13.0 13.6 12.1 3.0 3.7 Underwriting profits 10.9 7.3 4.41 0.41 2.6 Shareholders' surplus 2.1 6.3 7.7 2.6 1.0 29.9 32.3 34.9 Underwriting profits breakup 6.5 9.8 -6.1 -7.2 -19.1 -25.0 -30.5 1. Post accounting for impact of excess mortality reserve (EMR) 9 FY20 FY21 Profitable distribution Diversified growth mix innovation leading Market- Reimagining Quality of Board and insurance management FY22 Q1 FY22 Q1 FY23 ■Backbook Surplus ■New Business Strain HDFC Life

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