ICICI Lombard Financial Performance

4.00% Strong fundamentals for India non-life insurance sector 4.50% Premium per capita US $ in 2015 0-100 Market size 15 176 15 32 5 7 4 106 12 27 106 764 US($) bn Insurance density : 60,000 4.22% Penetration P 1.50% 1.63% 2.00% 2.50% % of GDP P 3.50% 3.00% 100-200 500-1000 > 1000 1.00% 0.72% 0.50% 0.00% India China Russia 1.19% 1.80% 1.79% 1.68% Brazil Malaysia Thailand Hong Kong 2.55% 1.69% 1.45% Japan Low penetration in India offers opportunity for growth 8 Source: Sigma 2015 Swiss Re Singapore Australia UK 50,000 40,000 ▲ 2.44% 30,000 2.16% USA i ICICI Lombard Nibhaye Vaade 20,000 10,000 GDP per Capita US($)

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