Non life Insurance Highlights General Insurance Council Non

Non life Insurance Highlights General Insurance Council

Non Life Insurance Penetration & Density PENETRATION (% OF GDP) DENSITY (USD) 35 6 30 5 25 11 11. 5 Year Source: IRDAI General Insurance council 2 2016 2015 2014 2013 2012 2011 2005 11 10 10. 5 13. 2 6. 7 2010 2004 5. 2 2006 4 2003 0 3. 5 4. 4 2. 4 3 2002 5 2001 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 0 0. 71 0. 78 0. 72 0. 77 0. 56 0. 67 0. 62 0. 64 0. 61 0. 6 2001 1 8. 7 10 2009 2 15 2008 3 20 2007 in US $ 4

General Insurance Council

598, 230 Gross Direct Premium Income-Indian Business 140, 000 128, 128 100, 000 22. 90% 24. 10% 77, 543 80, 000 60, 000 71, 203 32. 90% 30. 00% GDPI has grown at a CAGR of 17. 7% over the period 2010 -11 to 2016 -17 96, 379 25. 00% 84, 686 20. 00% Growth % Rs in Crores 120, 000 19. 00% 15. 00% 13. 80% 48, 213 40, 000 35. 00% 10. 00% 9. 20% 8. 90% 20, 000 5. 00% - 0. 00% 2010 -11 2011 -12 2012 -13 2013 -14 2014 -15 Year GDPI Source: Council Collation Growth % General Insurance Council 2015 -16 2016 -17

No of Offices 12000 10385 10000 8459 8000 6264 6000 4837 4000 2000 1427 1926 593 261 0 Private Sector ( Multiline) 2010 -11 Health 2011 -12 2012 -13 83 69 Public Sector Multiline) 2013 -14 Agriculture and ECGC 2014 -15 Source: Council collation General Insurance Council 2015 -16 2016 -17 General Insurers

No of Employees 120000 95824 100000 86363 80000 66727 61547 60000 40000 20000 34277 19947 19636 6218 766 0 Private Sector Multiline 2010 -11 Source: Council Collation Health insurers 2011 -12 886 Public Sector Multiline) Agriculture and ECGC 2012 -13 2013 -14 2014 -15 General Insurance Council 2015 -16 2016 -17 General Insurers

Market Share of Companies For FY 2017 in terms of GDP 17. 06% 13. 19% 12. 22% 10. 54% 9. 18% 5. 87% 4. 13% 3. 38% 3. 24% 3. 23% 2. 38% 1. 99% 1. 85% 1. 76% 1. 67% 1. 54% 1. 22% Source: Council Collation s(1 3 ) A he r AX ti Bh ar Ot al er i Ge n Sh rir am Ge n er al tu re He Fu ar al th al er St IG en ra SB un da ya Ro m M General Insurance council l. S da la m O an m ol a Ch HD Ge FC ne r ER G al IG -A nc e Re lia Ta ta ok io -T FC O IF ja j. A llia nz l nt a Ba Or ie ba rd l om IC I-l tio na IC Na d ite Un Ne w In In d di ia a S 5. 55% 7

Overall Market share as on 31 st March 2017 Fire; 7. 5% Marine Cargo; 1. 7% Marine Hull; 0. 6% Engineering; 1. 8% Aviation ; 0. 3% Crop Insurance; 16. 1% P. A. ; 2. 8% Liability; 1. 5% All Other Misc. ; 4. 2% Health; 24. 1% Motor OD; 18. 6% Source: Council collation Motor TP; 20. 8% General Insurance Council

Investment 25, 000 21, 755 19, 123 Income-Rs Cr 20, 000 16, 786 14, 305 15, 000 12, 415 10, 000 6, 528 5, 000 2006 -07 7, 357 2007 -08 9, 866 9, 955 2010 -11 2011 -12 8, 102 6, 369 2008 -09 2009 -10 Year 2012 -13 Investment Income Source: Public Disclosures General Insurance Council 2013 -14 2014 -15 2015 -16 2016 -17

Capital Leverage (Gross and Net Premium) 60, 000 3. 00 2. 43 50, 000 2. 50 2. 16 40, 000 1. 69 1. 67 1. 14 1. 17 1. 11 1. 94 1. 76 1. 85 2. 00 1. 95 1. 71 1. 39 30, 000 2. 00 1. 95 1. 51 1. 50 1. 52 1. 46 1. 55 1. 50 1. 24 1. 00 20, 000 0. 50 10, 000 2006 -07 2007 -08 2008 -09 Capital Employed Source: Public Disclosures 2009 -10 2010 -11 2011 -12 2012 -13 Gross Premium/Capital Employed 2013 -14 2014 -15 2015 -16 2016 -17 Net Premium/Capital Employed

Traditional Line of Business-Growth % for 3 years (Other than Motor & Health) 37. 9% 38. 0% 23. 8% 28. 0% 9. 4% 9. 5% -2. 0% 17. 2% 1. 6% 18. 0% 10. 4% 4. 9% 2. 8% Fire -0. 5% -12. 0% Source: Council collation 10. 2% 0. 6% 9. 9% 8. 5% Marine Cargo 4. 1% 1. 2% Marine Hull Engineering -7. 7% -3. 5% Aviation Liability -6. 4% -2. 6% -5. 7% -10. 3% -14. 7% March 2017 March 2016 General Insurance Council March 2015 P. A. All Other Misc. -9. 0% 11

Motor & Health Growth % (63. 5% overall Market Share) Motor & Health Business -Growth % for 3 years 30% 26. 4% 23. 8% 25% 18. 79% 22. 14% 18. 45% 20% 15. 64% 15% 10% 11. 1% 9. 17% 4. 30% 5% 0% Motor OD Source: Council collation Motor TP March 2017 March 2016 Health March 2015 General Insurance council 12

Source: Council Collation General Insurance Council