Investor Presentaiton

Exide Life Performance Snapshot: Q1 FY23 30 Scale Profitability & Cost Customer & Capital Individual APE VNB Margin (Pre-OR) 13M Persistency Rs bn: 1.4 Q1 FY23: >40% Growth: 41.7% Q1 FY22: >40% Q1 FY23: 74% Others Channel Mix¹ Agency: 51% Q1 FY22: 73% Banca: 7% AUM Rs bn: 206.3 Growth: 10% Opex ratio Q1 FY23: 26% Q1 FY22: 25% Claim Settlement Ratio FY22: 99.1% FY21: 98.5% Embedded Value Renewal Premium(bn) Mar 31, 2022: 29.1 bn Q1 FY23: 4.0 Solvency Jun 30, 2022: 211% Growth: 8% Q1 FY22: 4.0 Jun 30, 2021: 219% 1. Based on Individual APE Broker: 29% Direct: 13% Par: Product Mix¹ 60% Non-par: 27% Protection: 6% ULIP: 7% HDFC Life

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