Stockrabit · Analysts
Questions across 9 calls

Neeraj Toshniwal

UBS Securities

ICICI Prudential Life Insurance Company Limited

ICICI Prudential Life Insurance Company Limited CC-Sep25.pdf · 2025-10-14
Hi, everyone. So, on my first question, I think on 61st month persistency, we are still yet to understand why it is contracted, if you can help with that? And the second question is, on the input tax credit, I think you have mentioned that you're not quantifying at this point. But on a year -end basis, are we looking to have some impact on our book or it will be totally transient? What's our view? And if you can also guide and help with possible product mix, we will be focusing here on new launches we will be having to drive the growth and output on annuity because that has been a bit of a laggard till now. So, that will be helpful. Thank you.
And in terms of, given we have a benign base now, how should one think about, will we be having growth in line with industry, or how do we think will be towards the second half, one should think about?
ICICI Prudential Life Insurance Company Limited CC-Sep24.pdf · 2024-10-22
On Credit life, one of your peers reported and mentioned that there's been some slowdown because of lower disbursements to NBFCs , while we have seen good growth in the quarter. So, what different we are doing here, just to get some sense how the growth is looking for us?
Q4 exit margin, at the time of March we did mention that should be the overall margin for FY25 as well, and given the changes in surrender, some impact out there in product mix change. What is the margin trajectory we should be working within the H2 going ahead given, how do you see the product mix evolving from here and the competitive intensity landscape changing from here?

SBI Life Insurance Company Limited

SBI Life Insurance Company Limited CC-Mar25.pdf · 2025-04-24
Congrats on the g ood set. Just wanted to understand on the guidance, given we have a higher base in agency and a lower base in banca, we are guiding on a kind of still lower growth from the banca and higher from agency. How confident we'll be making 25% growth on a high ba se in agency and is the 10% new normal, which will kind of remain or we can see improvement maybe going ahead?
Got it. And sir, the VNB margin bit as somebody also asked, as given the mix is kind of improving, why a re we guiding for a higher faster growth in VNB compared to what we are guiding currently?

ICICI Lombard General Insurance Company Limited

ICICI Lombard General Insurance Company Limited CC-Mar25.pdf · 2025-04-15
Yes, hi. So one question is on the growth side because during this 1/n will normalize from October, how should one think about overall growth and the preferred areas will remain held? And obviously, Motor, there's a lot of competitive intensity, which has increased, especially from PSUs, what I understand. So any comment on overall growth we are targeting in FY2026? That is one. Second is on book-keeping question on the other income from the non-operating reserves, which seems to be very high. So anything on that?
Lastly on the book-keeping, on the other income on the non-operating results, you seen very high. Is it something regrouping or if you can throw some...
ICICI Lombard General Insurance Company Limited CC-Jun24.pdf · 2024-07-19
So, three questions. First is on the duration of the book and the things which worked well. Second is on the retentions have been given are fewer and are lower. So, commissions should have been a little lower. Is it the motor of the mix which has come up and driving the higher commissions as in last Q1? And third is more towards today’s incident of the global IT outage. Wanted to understand any cyber insurance , from the cyber insurance risk perspective, are we seeing any impact or how should we work the things about it? Though the portfolio might be little small, but just wanted some thoughts here.

Max Financial Services Limited

Mahindra & Mahindra Financial Services Limited

HDFC Life Insurance Company Limited

HDFC Life Insurance Company Limited CC-Mar24.pdf · 2024-07-15
So wanted some sense on the distribution. Obviously, we have already mentioned a 41% from HDFC Bank, of which 18% growth is from wallet share change. But is it correct to understand that last year, in the second quarter, we already had a higher wallet share. So, you will have a normalized growth from banca in Q2. So, is it the right understanding?
And in terms of agency channel growth, it looks a little tepid. Obviously, ULIP could be one of the reasons, but how do we see that growth picking up from the second quarter?
HDFC Life Insurance Company Limited CC-Jun24.pdf · 2024-07-15
So wanted some sense on the distribution. Obviously, we have already mentioned a 41% from HDFC Bank, of which 18% growth is from wallet share change. But is it correct to understand that last year, in the second quarter, we already had a higher wallet share. So, you will have a normalized growth from banca in Q2. So, is it the right understanding?
And in terms of agency channel growth, it looks a little tepid. Obviously, ULIP could be one of the reasons, but how do we see that growth picking up from the second quarter?