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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 Life
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