Investor Presentaiton

Embedded value growth billion FY2019 FY2020 FY2021 Value of In force (VIF) 142.69 151.87 195.84 Adjusted Net worth 73.54 78.43 95.22 Embedded value1 216.23 230.30 291.06 Return on Embedded Value (ROEV) 20.2% 15.2% 15.2% EV growth-pre dividend 19.6% 8.4% 26.4% EV growth-post dividend 15.1% 6.5% 26.4% VNB as % of opening EV 7.1% 7.4% 7.0% Operating assumption changes and variance as % of opening EV 4.7% (0.2%) 1.0% 1. As Indian Embedded Value (IEV) method AICICI PRUDENTIAL Components may not add up to the totals due to rounding off LIFE INSURANCE 66

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