Investor Presentaiton
Financial and operational snapshot (2/2)
Q1 FY23
Q1 FY22
FY22
FY21
FY20
Operating Return on EV
Overall New Business Margins (post overrun)
Operating Expenses / Total Premium
26.8%
26.2%
27.4%
26.1%
25.9%
16.5%
14.4%
16.6%
18.5%
18.1%
14.9%
12.5%
12.3%
12.0%
13.1%
Total Expenses (OpEx + Commission) / Total Premium
18.8%
16.4%
16.5%
16.4%
17.7%
Return on Equity
(1)
9.5%
14.1%
10.1%
17.6%
20.5%
Solvency Ratio
178%
203%
176%
201%
184%
Persistency (13M / 61M)
(2)
93%/58%
90%/53%
92%/58%
90%/53%
88%/54%
Market Share (%)
- Individual WRP
- Group New Business
- Total New Business
Business Mix (%)
14.6%
17.8%
14.8%
15.5%
14.2%
22.2%
25.9%
27.9%
27.6%
29.0%
19.0%
22.3%
21.0%
21.5%
21.5%
- Product (UL/Non par savings/Annuity/Non par protection/Par)
(3)
- Indl Distribution (CA/Agency/Broker/Direct)
(3)
- Total Distribution (CA/Agency/Broker/Direct/Group)
(4)
- Share of protection business (Based on Indl APE)
- Share of protection business (Based on Overall APE)
Share of protection business (Based on NBP)
25/35/6/5/30
56/16/7/22
21/6/2/18/53
4.6%
16.9%
27/32/5/8/29 26/33/5/6/30 24/31/5/7/34 28/41/4/8/19
56/15/6/23 60/14/6/19 61/13/7/19 55/14/9/22
22/7/3/18/50 24/6/2/16/52 25/6/2/17/50 23/7/3/17/51
8.3%
5.6%
6.8%
7.6%
15.7%
13.6%
12.8%
17.2%
32.3%
22.4%
24.0%
19.6%
27.6%
2.
1. Calculated using net profit and average net worth for the period (Net worth comprises of Share capital, Share premium and Accumulated profits)
Individual persistency ratios including single premium (based on original premium)
3.
Based on individual APE. UL: Unit Linked, Trad: Traditional, Par: Participating & CA: Corporate Agents. Percentages are rounded off
4.
Based on total new business premium including group. Percentages are rounded off
58
HDFC
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