ICICI group insurance businesses. July 2003
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1 ICICI group insurance businesses July 2003
2 Contents Indian insurance sector ICICI Prudential Life Insurance ICICI Lombard General Insurance 2
3 The insurance opportunity in India 16.0% 14.0% 12.0% 14.2% 12.1% Premium as a % of GDP 10.0% 8.0% 9.0% 6.0% 4.0% 2.0% 5.2% 2.9% 2.7% 2.2% 0.0% United Kingdom South Korea United States Malaysia Thailand India China Life insurance General insurance Source: Swiss Re, Economic Research & Consulting (June 2002) The Indian insurance sector is under penetrated in both the life & general insurance segments 3
4 Private sector is gaining market share Life Insurance Non-Life Insurance % 7.8% % 9.5% % FY02 FY FY02 FY03 Public sector Private sector 4
5 The Indian insurance landscape today Number of players Segment Public sector Private sector Total Life Non-life Reinsurance 1-1 Source: IRDA Journal (July 2003) With increasing competition in the sector, success would depend on the following key factors 5
6 Key success factors Experience of sponsors Access to capital Strong brand Channel strength Speed & quality of reach to customer Access to customer base Sound risk measurement and management practices Building an optimal product portfolio Scale of operations Key requirement for ensuring operating & cost efficiencies 6
7 Contents Indian insurance sector ICICI Prudential Life Insurance ICICI Lombard General Insurance 7
8 Joint venture partner Prudential plc Largest life insurance company in U.K. & a leading player in Asia Present in about 15 countries Serves over 12 million customers Manages assets of about US$ billion Holds 26% stake in ICICI Prudential 8
9 Market leadership Share in private life insurance 1 market (%) in FY ICICI Prudential 39 Other Private Players Over twice the size of the nearest private player Share in Pensions (%) in FY % share in the overall pensions business 1 Excludes group business 23 8 ICICI Prudential Other Private Players LIC 9
10 Product mix 1 FY2002 FY2003 Non Par 8% Linked 3% Non Par 3% Linked 27% Par 62% Par Pensions 10% Linked Pensions 24% Par Pensions 27% Par 36% Higher proportion of linked business enhances capital efficiency 1 Annualised Premium Equivalent (APE) basis 10
11 Growth in distribution Particulars FY2002 FY2003 Q Locations Branches Staff 843 1,932 2,475 Agents 9,641 18,344 22,060 Bancassurance relationships Continued focus on expanding reach & penetration for increasing market share 11
12 Channel mix Particulars FY2002 % of APE FY2003 Q Tied agency 82% Corporate agency 11% Bancassurance 7% Total 100% 72% 10% 18% 100% 79% 7% 14% 100% ICICI Bank s share in bancassurance was about 46% in Q
13 Financial performance in FY2003 Particulars (Rs. million) FY2003 Q Net premium 4, PAT/ (Loss) (1,471.8) (352.0) Networth 1, ,373.7 NBAP
14 Contents Indian insurance sector ICICI Prudential Life Insurance ICICI Lombard General Insurance 14
15 Joint venture partner Lombard Canada One of the leading non-life insurers in Canada Asset base in excess of Canadian $1 billion Annual gross premium in excess of Canadian $750 million Lombard is a subsidiary of Fairfax Fairfax had total assets of about Canadian $35 billion and gross written premiums of over Canadian $8 billion in FY2002 Holds 26% stake in ICICI Lombard 15
16 Market share 16.8 FY2002 (%) FY2003 (%) Bajaj Allianz Tata AIG ICICI Lombard Iffco Tokio Reliance Others Source: IRDA Journal 16
17 Product mix in FY2003 Fire & Engg. Marine Motor Others Total Public sector Private sector* ICICI Lombard Total *excludes ICICI Lombard Focused on profitable segments such as fire & engineering having low loss ratios Source: IRDA Journal 17
18 18 Reach Reach Reach Reach Presence in 38 locations Presence in 38 locations Presence in 38 locations Presence in 38 locations Delhi Delhi Delhi Delhi A bad A bad A bad A bad Baroda Baroda Baroda Baroda Mumbai Mumbai Mumbai Mumbai Pune Pune Pune Pune H bad H bad H bad H bad B lore B lore B lore B lore Coimbatore Coimbatore Coimbatore Coimbatore Kolkata Kolkata Kolkata Kolkata Ludhiana Ludhiana Ludhiana Ludhiana Bhubaneshwar Bhubaneshwar Bhubaneshwar Bhubaneshwar Nagpur Nagpur Nagpur Nagpur Jaipur Jaipur Jaipur Jaipur Cochin Cochin Cochin Cochin Chennai Chennai Chennai Chennai Chandigar Chandigar Chandigar Chandigar h Indore Indore Indore Indore Bharuc Bharuc Bharuc Bharuc h Surat Surat Surat Surat Aurangabad Aurangabad Aurangabad Aurangabad Vizag Vizag Vizag Vizag Udaipur Udaipur Udaipur Udaipur Jamshedpur Jamshedpur Jamshedpur Jamshedpur Guwahati Guwahati Guwahati Guwahati Anand Anand Anand Anand Bhopal Bhopal Bhopal Bhopal Panjim Panjim Panjim Panjim Raipur Raipur Raipur Raipur Kanpur Kanpur Kanpur Kanpur Bhuj Bhuj Bhuj Bhuj Jalandhar Jalandhar Jalandhar Jalandhar Madurai Madurai Madurai Madurai Luckno Luckno Luckno Luckno w Rachi Rachi Rachi Rachi Patiala Patiala Patiala Patiala
19 Re-insurance & claims settlement Continued support of reinsurance majors including: Munich Re (lead) Swiss Re Highest reinsurance commission income levels amongst private insurers in India Tie-up with Cunningham Lindsey, world s second largest surveyors, for uniform and efficient claims settlement practices 19
20 Financial performance in FY2003 Particulars FY2003 (Rs. million) Q Gross Written Premium 2, ,261.5 Net premium Underwriting result (107.1) 11.4 PAT/ (Loss) Networth , ,
21 Thank you 21
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