Reimagining Growth with Resilience

67 40 Financial and operational snapshot (2/2) Overall New Business Margins (post overrun) Operating Return on EV Operating Expenses / Total Premium Total Expenses (OpEx + Commission) / Total Premium Return on Equity Solvency Ratio Persistency (13M / 61M) Market Share (%) - Individual WRP - Group New Business - Total New Business Business Mix (%) FY22 FY21 FY20 FY19 27.4% 26.1% 25.9% 24.6% (1) 19.0% 18.5% 18.1% 20.1% 12.3% 12.0% 13.1% 13.1% 16.5% 16.4% 17.7% 17.0% ล 10.1% 17.6% 20.5% 24.6% 176% 201% 184% (3) 92%/58% 90%/53% 88%/54% 188% 84%/51% 14.8% 15.5% 14.2% 12.5% 27.9% 27.6% 29.0% 28.4% 21.0% 21.5% 21.5% 20.7% - Product (UL/Non par savings/Annuity/Non par protection/Par) (4) - Indl Distribution (CA/Agency/Broker/Direct) (4) - Total Distribution (CA/Agency/Broker/Direct/Group) (5) - Share of protection business (Based on Indl APE) 26/33/5/6/30 60/14/6/19 24/6/2/16/52 5.6% Share of protection business (Based on Overall APE) 13.6% 24/31/5/7/34 61/13/7/19 25/6/2/17/50 6.8% 12.8% 28/41/4/8/19 55/15/5/7/18 55/14/9/22 64/13/4/19 23/7/3/17/51 26/7/2/16/49 7.6% 6.7% 17.2% 16.7% Share of protection business (Based on NBP) 24.0% 19.6% 27.6% 27.0% 1. 2. 3. Pre excess mortality reserve (EMR) EVOP% is 19.0%; Post accounting for EMR, EVOP% stands at 16.6% Calculated using net profit and average net worth for the period (Net worth comprises of Share capital, Share premium and Accumulated profits) Individual persistency ratios (based on original premium) 4. Based on individual APE. UL: Unit Linked, Trad: Traditional, Par: Participating & CA: Corporate Agents. Percentages are rounded off 5. Based on total new business premium including group. Percentages are rounded off HDFC Life

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