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Investor Presentaiton

BAGIC: Risk Management ◉ Asset Quality 98.9% of the debt portfolio in AAA and sovereign assets 91.2% of Equity in Nifty 50 stocks & 95.5% in BSE100 stocks Oversight by Board & Executive investment committee and group level investment forum Robust ALM position Re-Insurance Reinsurance ceded only to the A- and above & AA rated reinsurers, except mandatory ceding to GIC (Average Retention of 20% for commercial lines) Large reinsurance capacity & optimum retention Robust process concentration of risk. of monitoring Catastrophic events adequately covered BAJAJ Allianz Pricing & Underwriting Superior underwriting capability leading to low Combined Ratio consistently Diversified exposure across business lines & geographies - Granular loss ratio modelling geography, distribution, car make/model, vintage, etc. ■ Investigation, loss management & analytics intervention ☐ Reserving & Solvency IBNR loss triangles show releases from settlement of claims, indicating robustness of reserving at the point of registration of claims Highest solvency amongst peers 34
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