ICICI Lombard General Insurance Company Limited

₹ 143.31 billion

re not comparable with prior periods.  Gross Direct Premium Income (GDPI) of the Company was at ₹ 143.31 billion in H1 FY2026 compared to ₹ 144.09 billion in H1 FY2025, a de-growth of 0.5%, as against the indus

₹ 144.09 billion

Gross Direct Premium Income (GDPI) of the Company was at ₹ 143.31 billion in H1 FY2026 compared to ₹ 144.09 billion in H1 FY2025, a de-growth of 0.5%, as against the industry growth of 7.3%*. Excluding the impact o

0.5%

any was at ₹ 143.31 billion in H1 FY2026 compared to ₹ 144.09 billion in H1 FY2025, a de-growth of 0.5%, as against the industry growth of 7.3%*. Excluding the impact of 1/n accounting norm, GDPI of th

7.3%

compared to ₹ 144.09 billion in H1 FY2025, a de-growth of 0.5%, as against the industry growth of 7.3%*. Excluding the impact of 1/n accounting norm, GDPI of the Company grew by 4.2% for H1 FY2026, as

4.2%

industry growth of 7.3%*. Excluding the impact of 1/n accounting norm, GDPI of the Company grew by 4.2% for H1 FY2026, as against the industry growth of 11.3%*. Excluding Crop and Mass Health, GDPI gro

11.3%

accounting norm, GDPI of the Company grew by 4.2% for H1 FY2026, as against the industry growth of 11.3%*. Excluding Crop and Mass Health, GDPI growth of the Company was at 3.5%, as against the industry

3.5%

t the industry growth of 11.3%*. Excluding Crop and Mass Health, GDPI growth of the Company was at 3.5%, as against the industry growth of 10.5%* in H1 FY2026. o GDPI of the Company was at ₹ 65.96 bil

10.5%

ng Crop and Mass Health, GDPI growth of the Company was at 3.5%, as against the industry growth of 10.5%* in H1 FY2026. o GDPI of the Company was at ₹ 65.96 billion in Q2 FY2026 compared to ₹ 67.21 bi

₹ 65.96 billion

was at 3.5%, as against the industry growth of 10.5%* in H1 FY2026. o GDPI of the Company was at ₹ 65.96 billion in Q2 FY2026 compared to ₹ 67.21 billion in Q2 FY2025, a de-growth of 1.9%, as against the indust

₹ 67.21 billion

h of 10.5%* in H1 FY2026. o GDPI of the Company was at ₹ 65.96 billion in Q2 FY2026 compared to ₹ 67.21 billion in Q2 FY2025, a de-growth of 1.9%, as against the industry growth of 5.9%*. Excluding Crop and Mas

1.9%

mpany was at ₹ 65.96 billion in Q2 FY2026 compared to ₹ 67.21 billion in Q2 FY2025, a de-growth of 1.9%, as against the industry growth of 5.9%*. Excluding Crop and Mass Health, GDPI growth of the Comp

5.9%

compared to ₹ 67.21 billion in Q2 FY2025, a de-growth of 1.9%, as against the industry growth of 5.9%*. Excluding Crop and Mass Health, GDPI growth of the Company was at 3.5%, as against the industry

You can contact us at

2

Mailing Address

2

Registered Office

2

Operating Performance

1

Ratios

1

Notes

1

Safe harbor

1

Growth in digital servicing adoption

1

Adoption

1

High Product Density

1

Mailing Address

Toll free No.: 1800 2666 Sixth floor- Interface 16, Office no 601 & 602, New linking Road, Malad west, Mumbai - 400064. CIN: L67200MH2000PLC129408

Registered Office

ICICI Lombard House, 414, Veer Savarkar Marg, Email: customersupport@icicilombard.com Near Siddhi Vinayak Temple, Prabhadevi, Mumbai - 400 025. Website: www.icicilombard.com You are requested to kindly take the same on your records. Thanking you. Yours Sincerely, For ICICI Lombard General Insurance Company Limited Vikas Mehra Company Secretary Encl. as above ICICI Lombard General Insurance Company Limited

Mailing Address

Toll free No.: 1800 2666 Sixth floor- Interface 16, Office no 601 & 602, New linking Road, Malad west, Mumbai - 400064. CIN: L67200MH2000PLC129408

Registered Office

ICICI Lombard House, 414, Veer Savarkar Marg, Email: customersupport@icicilombard.com Near Siddhi Vinayak Temple, Prabhadevi, Mumbai - 400 025. Website: www.icicilombard.com PERFORMANCE FOR THE QUARTER AND HALF YEAR ENDED SEPTEMBER 30, 2025 October 14, 2025 With effect from October 1, 2024, Long-term Products are accounted on a 1/n basis, as mandated by IRDAI, hence Q2 & H1 FY2026 numbers are not comparable with prior periods.  Gross Direct Premium Income (GDPI) of the Company was at ₹ 143.31 billion in H1 FY2026 compared to ₹ 144.09 billion in H1 FY2025, a de-growth of 0.5%, as against the industry growth of 7.3%*. Excluding the impact of 1/n accounting norm, GDPI of the Company grew by 4.2% for H1 FY2026, as against the industry growth of 11.3%*. Excluding Crop and Mass Health, GDPI growth of the Company was at 3.5%, as against the industry growth of 10.5%* in H1 FY2026. o GDPI of the Company was at ₹ 65.96 billion in Q2 FY2026 compared to ₹ 67.21 billion in Q2 FY2025, a de-growth o

Operating Performance

n basis 1/n basis n basis 1/n basis 1/n basis (₹ billion) Financial Indicators Q2 FY2025 Q2 FY2026 Growth % H1 FY2025 H1 FY2026 Growth % 67.21 9.19 6.94 65.96 10.77 8.20 -1.9% 17.2% 18.1% 144.09 16.93 12.74 143.31 20.71 15.67 -0.5% 22.3% 22.9% GDPI PBT PAT

Ratios

FY2025 268.33 33.21 25.08 n basis 1/n basis n basis 1/n basis 1/n basis Financial Indicators Q2 FY2025 Q2 FY2026 H1 FY2025 H1 FY2026 FY2025 ROAE – Annualised 21.8% 21.4% 20.3% 20.8% 19.1% Combined Ratio (CoR)^ 104.5% 105.1% 103.2% 104.0% 102.8% ^Excluding the impact of CAT losses of ₹ 0.94 billion in H1 FY2025 and ₹ 0.73 billion in H1 FY2026, the Combined ratio was 102.2% and 103.3% respectively. Excluding the impact of CAT losses of ₹ 0.94 billion in Q2 FY2025 and ₹ 0.73 billion in Q2 FY2026, the Combined ratio was 102.6% and 103.8% respectively. Excluding the impact of CAT losses of ₹ 0.94 billion in FY2025, the Combined ratio was 102.4%.