Investor Presentaiton
Emerging opportunities and risks.
Reinvent operating model
Enhanced focus on digital
Work from home
▪ Fall in growth: End-to-end
digital journey
88
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Opportunities
Higher demand for
insurance
Increasing awareness
levels across mortality,
morbidity, longevity and
interest rate products
Risks: Mitigants
Adverse mortality
experience: Stringent
underwriting on the back of
data analytics; increased
pricing
Consolidation of market
share
■ Product innovation
M&A
■ Credit risk: Conservative
investment strategy; ongoing
portfolio review
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▪ Volatility in equity
markets impacting
solvency: Sub-debt;
balanced product mix;
healthy backbook
surplus
₹
■ Fall in persistency:
Improved customer
engagement &
communication around need
to retain cover
Fall in interest rates:
Diversified product mix,
discipline in repricing new
business, appropriate
hedging of back book
HDFC
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