Investor Presentaiton

19 Focus on profitable growth. Profit Accounting Economic Profit Profit after tax (PAT) FY18 FY19 FY20 H1 FY20 H1 FY21 Rs Bn. New business Margin 23.2% 24.6% 25.9% 27.5% 25.1% Value of new business 12.8 15.4 19.2 9.6 8.4 11.1 12.8 13.0 7.3 7.8 Underwriting profits 8.5 9.0 10.9 5.5 5.6 Shareholders' surplus 2.6 3.8 2.1 1.8 2.2 29.9 Underwriting profits breakup 25.5 19.1 10% 16.7 15.1 -10.6 -9.6 -11.1 -16.5 -19.1 Profitable growth distribution mix Balanced innovation leading Market Reimagining insurance management Board and Quality of HDFC FY18 FY19 FY20 ■New Business Strain H1 FY20 Backbook Surplus H1 FY21 Life

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