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
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