ICICI Lombard Financial Performance

Technology as enabler Lean Operations • Adopting technology tools to drive operational efficiency and cost leadership Out of office policy issuance @ 90% • Automated payments @ 97% • Headcount productivity improvement at a 6 year CAGR of 21 % to 10.3 million 18 Out of office policy issuance 29% 90% Headcount productivity 3.2 FY 2010 FY 2016 FY 2010 million 10.3 FY2016 i ICICI Lombard Nibhaye Vaade

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