Investor Presentaiton
Reserving Triangle Disclosure - Others (excluding Motor-TP)
Incurred Losses and Allocated Expenses (Ultimate Movement)
billion
As at March 31, 2022
Prior*
AY 13
AY 14
AY 15 AY 16
AY 17
AY 18
AY 19
AY 20
AY 21
End of First Year
94.40
28.43
34.13
31.74
33.42
42.19
42.48
52.58
55.78
58.61
AY 22
73.11
One year later
93.52
27.30
32.57
31.43
32.62
42.11
40.54
51.19
53.98
56.67
Two years later
93.41
26.84
32.23
30.84
32.00
41.68
39.69
51.18
53.53
Three years later
93.70
26.68
32.03
30.25
31.62
41.53
39.59
50.86
Four years later
93.95
26.67
31.59
30.00
31.33
41.43
39.42
Five years later
93.80
26.35
31.42
29.70
31.28
41.33
Six years later
Seven Years later
Eight Years later
93.45
26.24
31.24
29.74
31.26
93.31
26.25
31.27
29.71
93.04
26.14
31.26
Nine Years later
92.94
26.13
Ten Years later
92.89
Deficiency/ (Redundancy) (%)
-1.6%
-8.1%
-8.4%
-6.4%
-6.5%
-2.0%
-7.2%
-3.3%
-4.0%
-3.3%
Unpaid Losses and Loss Adjusted Expenses
As at March 31, 2022
Prior*
AY 13
AY 14
AY 15
AY 16
AY 17
AY 18
AY 19
AY 20
AY 21
AY 22
End of First Year
9.60
8.88
11.32
9.37
9.64
14.50
18.48
19.34
15.08
18.28
20.04
One year later
3.57
2.35
3.15
3.34
3.04
4.89
3.43
9.16
4.22
5.30
Two years later
2.76
1.53
2.26
2.29
2.07
2.57
2.05
2.75
2.84
Three years later
2.72
1.19
1.79
1.47
1.49
1.68
1.64
2.09
Four years later
2.55
1.10
1.26
1.12
1.01
1.44
1.35
Five years later
2.27
0.72
0.98
0.81
0.85
1.21
Six years later
1.73
0.59
0.80
0.78
0.77
Seven Years later
1.48
0.55
0.72
0.71
Eight Years later
1.12
0.42
0.71
Nine Years later
0.98
0.40
0.90
Ten Years later
AICICI Lombard
Nibhaye Vaade
Merged entity numbers are presented for all the financial years
AY: Accident Year
11
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