Investor Presentaiton
Risk Management
Underwriting
• Predictive ultimate loss model to improve risk selection
Diversified exposure across geographies and products
Historically lower proportion of losses from catastrophic
events than overall market share
Reinsurance
Spread of risk across panel of quality re-insurers
Conservative level of catastrophe (CAT) protection
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Investments
Tighter internal exposure norms as against regulatory
limits
Invest high proportion of Debt portfolio 93.0% in
sovereign or AAA rated securities*
• All Debt securities are rated AA & above
Zero instance of default on the IL's debt portfolio
since inception
ICICI Lombard
Nibhaye Vaade
* domestic credit rating
Reserving
IBNR utilization improving trend indicates robustness of
reserves
First Company in Industry to disclose reserving triangles
in Annual report since FY2016
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