ICICI Lombard General Insurance Company Limited — PPTs, 15-07-2026: Investor Presentation

ICICI Lombard's Q1 FY2027 Gross Direct Premium Income (GDPI) grew 7.5% to ₹8,318 Cr. However, Profit after Tax (PAT) dropped 46% to ₹403 Cr due to one-off fire losses (₹63 Cr) and higher motor TP claim reserves (₹165 Cr). Adjusted for these, PAT still declined 23% to ₹575 Cr.

Strong performance in Motor (+14%) and Retail Health (+69.5%) offset a 13.8% de-growth in commercial P&C (Fire insurance hit by pricing pressure). The company emphasizes profitable growth, product diversification, and tech-driven customer service. Digital adoption is soaring, with Voice Bot usage up 9.4x and WhatsApp 14.3x. 99.7% policies are now e-issued.

Key metrics: GDPI ₹8,318 Cr, PAT ₹403 Cr, EPS ₹8.08, Combined Ratio 107.2% (102.3% adjusted), ROAE 9.6% (13.6% adjusted), Solvency 2.71x. Management is focused on leveraging tech and diversified channels for sustainable performance. #ICICILombard #Q1FY27