Life,Holistic Living: Delivering Superior Customer Experience

Analysis of change in IEV EVOP-25.5 EVOP1% 17.7% 12.6 11.9 300.5 VNB 1.0 Operating variances 12.4 16.6 Unwind Economic variances Dividend & Capital infusion 211.9 Adjusted Net worth (ANW) Value of in-force business (VIF) 88.6 IEV As at Mar 31, 2022 30.0 360.2 330.2 Exide Life EV 220.4 109.7 Pre-Merger IEV As at Sep 30, 2022 Operating variance continues to be positive and in line with our assumptions 1. EVOP% calculated as annualised EVOP (Embedded Value Operating Profit) to Opening EV 10 239.4 120.7 Rs bn Post-Merger IEV As at Sep 30, 2022 Profitable Diversified growth distribution mix innovation leading Market- insurance Reimagining management Board and Quality of HDFC Life

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