BFL Loan Loss Provision and Operating Expenses
BAGIC - Key Strategic Differentiators
STRATEGY
BAJAJ Allianz
Strive for market share growth in chosen segments through a well-diversified product
portfolio and multi-channel distribution supported by prudent underwriting
DIFFERENTIATORS
Strong selection of Risk & prudent
underwriting
Balanced Product Mix
Deep and wide distribution
Retail & Commercial orientation
Investments in technology with focus on
all stakeholders - "Caringly yours"
Industry leading combined ratios consistently over
time Combined Ratio stood at 96.9% in FY21
▪ Business construct is to deliver superior ROE
Diversified product portfolio offering across retail
and corporate segments
■ Continuous innovations in product features to
maintain competitive edge
Multi channel distribution network encompassing
multiline agents, bancassurance, broking, direct, and
ecommerce network serving all segments
Focused on retail segments (mass, mass affluent & HNI)
& commercial segments (SME & M SMEs) while
maintaining strong position in large corporates &
government business
Deep investments in technology to drive efficiencies
for the Company and convenience for all stakeholders
- Customers, distributors and employees
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