Reimagining Growth with Resilience

Exide Life Performance Snapshot: 12M FY22 Scale Individual APE Rs bn: 7.3 Growth: 22% AUM Rs bn: 196.8 Profitability & Cost Customer & Capital Others VNB Margin (Pre-OR) FY22: 44% FY21: 35% Opex ratio FY22: 22% 13M Persistency FY22: 78% FY21: 75% Claim Settlement Ratio FY22: 99.1% FY21: 98.5% Channel Mix¹ Agency: 57% Banca: 7% Broker: 22% Direct: 14% Growth: 12% FY21: 21% Renewal Premium Embedded Value Rs bn: 29.1 FY22: 25.7 Growth: 8% FY21: 24.2 39 1. Based on Individual APE Solvency Mar 31, 2022: 217% Dec 31, 2021: 202% Product Mix¹ Par: 47% Non-par: 36% Protection: 7% ULIP: 10% HDFC Life

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