ICICI Lombard General Insurance Company Limited — PPTs, 13-01-2026: Investor Presentation

ICICI Lombard's Q3 FY2026 Gross Direct Premium Income (GDPI) jumped 13.3% YoY to ₹ 7,041 Cr, outperforming industry growth. For 9M FY2026, GDPI reached ₹ 21,372 Cr, up 3.6%. While Q3 Profit After Tax (PAT) saw a 9.1% dip to ₹ 659 Cr, 9M PAT increased 11.3% to ₹ 2,225 Cr. Combined Ratio for Q3 was 104.5% and 104.2% for 9M.

Growth drivers: Health, Travel & PA GDPI surged 40.6% in Q3, led by 90.7% retail health growth. The company emphasizes profitable expansion and leveraging technology, with 99.6% digital policy issuance and AI-powered initiatives boosting retention.

ICICI Lombard maintains market leadership in engineering, marine cargo, and liability segments, alongside a strong 10.7% motor market share. The company strategically streamlined its group health portfolio. Solvency ratio remains healthy at 2.69x.

Return on Average Equity (ROAE) was 16.5% for Q3 FY2026 and 19.5% for 9M FY2026. 9M FY2026 Basic Earnings per Share was ₹ 44.78.

Management aims for sustained market leadership and consistent ROE, prioritizing prudent underwriting, active capital management, and continuous digital innovation for customer-centricity.