Life,Holistic Living: Delivering Superior Customer Experience

Exide Life Performance Snapshot: H1 FY23 1. 2. 24 Scale Profitability & Cost Customer & Capital Others Individual APE Rs bn: 3.2 Growth: 15% AUM Rs bn: 205 Growth: 9% Margins VNB (Rs bn): 0.3 NBM: 8.2% Opex ratio H1 FY23: 20.3% H1 FY22: 20.7% 13M Persistency¹ H1 FY23: 76% H1 FY22: 73% Claim Settlement Ratio FY22: 99.1% FY21: 98.5% Channel Mix² Agency: 56% Banca: 7% Broker: 25% Direct: 12% Embedded Value Renewal Premium(Rs bn) H1 FY23: 12.1 Rs bn: 30 H1 FY22: 11.5 Growth: 8% For individual business; Excluding single premium and fully paid up policies Based on Individual APE Par: Product Mix² 58% Non-par: 29% Protection: 6% 7% Solvency Sep 30, 2022: 216% Mar 31, 2022: 217% ULIP: HDFC Life

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