Investor Presentaiton

BAGIC: Combined Ratio Combined Ratios (Including Motor TP Pool Losses) BBAJAJ Allianz 100.8% 99.6% 96.7% 96.9% 96.6% 98.3% 92.3% FY18 FY19 FY20 FY21 FY22 Q4 FY21 Q4 FY22 1. Combined Ratios are in accordance with the Master Circular on 'Preparation of Financial statements of General Insurance Business' issued by IRDA effective from 1st April, 2013. (Net claims incurred divided by Net Earned Premium) + ( Expenses of management including net Commission divided by Net Written Premium). 26

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