Investor Presentaiton
2
Executive summary: 9M FY24
Revenue & Scale
Profitability & Cost
I
1.
2.
$
Customer & Capital
Growth
6%
Individual
%
CY
26.5%
*****
CY
86%
New Business
Margin (NBM)
PY
26.5%
+
13th month
persistency
PY
87%
WRP
Market
Share
15.0%
Rs (Bn.)
220.4
Renewal
premium
EO
Growth
15%
Value of New
Business
(VNB)
Rs (Bn.)
22.7
Claim settlement
ratio (FY23)
Growth
5%
Overall 99.7%
Individual 99.3%
Rs (Bn.)
2,797
AUM
Growth
20%
وفة
Rs (Bn.)
11.6
FY23
35
Profit After
Tax (PAT)
Growth
Complaints per
10K policies²
16%
FY22
25
Rs (Bn.)
451.7
Dec'23
190%
CY
19.6%
IEV
Total exp.
ratio¹
Solvency
Mar'23
203%
EVOP
16.5%
PY
19.4%
Total Expense Ratio is calculated as total expenses (including commission) divided by total premium
Complaints data (excluding survival and death claims). Complaints per 10K policies on merged basis for FY22: 40
HDFC
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