Investor Presentaiton

Accounting Economic Profit Focus on profitable growth Profit FY21 FY22 FY23 9M FY23 9M FY24 New business Margin 26.1% 27.4% 27.6% 26.5% 26.5% Value of new business 21.9 26.8 36.7 21.6 22.7 Profit after tax (PAT) 13.6 12.1 13.6 10.0 11.6 Underwriting profits 7.3 4.4 5.9 5.5 4.5 Shareholders' surplus 6.3 7.7 7.7 4.5 7.1 35.9 30.4 44.2 32.3 34.9 Underwriting profits breakup -25.0 -30.5 -38.3 -24.9 -31.4 10 Note: Numbers may not add up due to rounding off FY21 FY22 FY23 9M FY23 9M FY24 ■Backbook Surplus ■New Business Strain 18% YoY Growth Rs bn Profitable distribution Diversified growth first Customer management Risk mix & governance Analytics digital & Technology, HDFC Life

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