Aditya Birla Health Insurance Co. Limited Registration No. 153 and Dated 11 July 2016

Transcription

1 FORM NL1BRA REVENUE ACCOUNT FOR THE QUARTER ENDED 31 DECEMBER 2016 S.No Particulars Schedule For The Ended 31st December 2016 Upto December 2016 For The December 2015 (Rs. 000) Upto December Premiums earned (Net) NL4Premium Schedule 25,050 25,050 2 Profit/ Loss on sale/redemption of Investments 3 Others (to be specified) Interest, Dividend & Rent Gross TOTAL (A) 25,079 25,079 1 Claims Incurred (Net) NL5Claims Schedule 26,746 26,746 2 Commission NL6Commission 20,692 20,692 Schedule 3 Operating Expenses related to Insurance Business NL7Operating Expenses 2,25,761 3,37,209 4 Premium Deficiency Schedule 24,426 24,426 TOTAL (B) 2,97,624 4,09,072 Operating Profit/(Loss) from Fire/Marine/Miscellaneous Business C= (A B) (2,72,545) (3,83,993) APPROPRIATIONS Transfer to Shareholders Account (2,72,545) (3,83,993) Transfer to Catastrophe Reserve Transfer to Other Reserves TOTAL (C) (2,72,545) (3,83,993)

2 FORM NL2BPL PROFIT AND LOSS ACCOUNT FOR THE QUARTER ENDED 31 DECEMBER 2016 S.No Particulars Schedule For The December 2016 Upto Ended 31st December 2016 For The December 2015 (Rs. 000) Upto Ended 31st December OPERATING PROFIT/(LOSS) (a) Fire Insurance (b) Marine Insurance (c ) Miscellaneous Insurance (2,72,545) (3,83,993) 2 INCOME FROM INVESTMENTS (a) Interest, Dividend & Rent Gross 3,378 3,378 (b) Profit on sale of investments , Less: Loss on sale of investments 3 OTHER INCOME 37,007 37,007 TOTAL (A) (2,32,051) (2,89,802) PROVISIONS (Other than taxation) (a) For diminution in the value of investments (b) For doubtful debts (c) Others (to be specified) 5 OTHER EXPENSES (a) Expenses other than those related to Insurance Business 54,088 23,747 42,425 (b) Bad debts written off (c) Others (To be specified) TOTAL (B) 54,088 23,747 42,425 Profit Before Tax (2,32,051) (3,43,890) (23,703) (42,381) Provision for Taxation APPROPRIATIONS (a) Interim dividends paid during the year (b) Proposed final dividend (c) Dividend distribution tax (d) Transfer to any Reserves or Other Accounts (to be specified) Balance of profit/ loss brought forward from last year (2,63,846) (1,52,007) (18,678) Balance carried forward to Balance Sheet (4,95,897) (4,95,897) (42,381) (42,381)

3 FORM NL3BBS BALANCE SHEET AS AT 31 DECEMBER 2016 S.No Particulars Schedule For The Ended 31st December 2016 (Rs. 000) For The Ended 31st December 2015 SOURCES OF FUNDS 1 SHARE CAPITAL NL8Share Capital Schedule 10,04,412 82,625 2 SHARE APPLICATION MONEY PENDING ALLOTMENT 3 RESERVES AND SURPLUS NL10Reserves and Surplus Sche 14,70,588 4 FAIR VALUE CHANGE ACCOUNT 5 BORROWINGS NL11Borrowings Schedule TOTAL 24,75,000 82,625 APPLICATION OF FUNDS 1 INVESTMENTS NL12Investment Schedule 23,92,708 34,350 2 LOANS NL13Loans Schedule 3 FIXED ASSETS NL14Fixed Assets Schedule 2,50,681 1,131 4 DEFERRED TAX ASSET 5 CURRENT ASSETS Cash and Bank Balances NL15Cash and bank balance 19, Schedule Advances and Other Assets NL16Advancxes and Other 1,52,968 5,213 Assets Schedule SubTotal (A) 1,72,778 5,352 6 CURRENT LIABILITIES NL17Current Liabilities 3,32, Schedule 7 PROVISIONS NL18Provisions Schedule 5,04,475 8 DEFERRED TAX LIABILITY SubTotal (B) 8,37, NET CURRENT ASSETS (C) = (A B) (6,64,287) 4,763 9 MISCELLANEOUS EXPENDITURE (to the extent not written NL19Miscellaneous off or adjusted) Expenditure Schedule 10 DEBIT BALANCE IN PROFIT AND LOSS ACCOUNT 4,95,897 42,381 TOTAL 24,75,000 82,625

4 FORM NL4PREMIUM SCHEDULE PREMIUM EARNED [NET] S.No Particulars For The December 2016 Upto Ended 31st December 2016 For The Ended 31st December 2015 (Rs. 000) Upto Ended 31st December Premium from direct business written 3,35,272 3,35,272 2 Add: Premium on reinsurance accepted 3 Less : Premium on reinsurance ceded 16,926 16,926 4 Net Premium 3,18,346 3,18,346 5 Adjustment for change in reserve for unexpired risks 2,93,295 2,93,295 Total Premium Earned (Net) 25,050 25,050 Premium Income from Business effected : a) In India 25,050 25,050 b) Outside India Total Premium Earned (Net) 25,050 25,050

5 FORM NL5 CLAIMS SCHEDULE CLAIMS INCURRED [NET] S.No Particulars For The Ended 31st December 2016 Upto December 2016 For The Ended 31st December 2015 (Rs. 000) Upto Ended 31st December 2015 Claims paid 1 Direct claims Add: Reinsurance accepted 3 Less: Reinsurance Ceded Net Claims Paid Add Claims Outstanding at the end of the period 25,903 25,903 5 Less Claims Outstanding at the beginning of the period Total Claims Incurred 26,746 26,746

6 FORM NL6COMMISSION SCHEDULE S.No Particulars For The Ended 31st December 2016 Upto Ended 31st December 2016 For The Ended 31st December 2015 (Rs. 000) Upto December 2015 Commission paid 1 Direct Commission 22,375 22,375 2 Add: Reinsurance Accepted 3 Less: Commission on Reinsurance Ceded 1,683 1,683 Net Commission 20,692 20,692 Breakup of the expenses (Gross) incurred to procure business to be furnished as per details indicated below: Agents Brokers 21,987 21,987 Corporate Agency 7 7 Referral Others (pl. specify) TOTAL (B) 22,375 22,375

7 FORM NL7OPERATING EXPENSES SCHEDULE OPERATING EXPENSES RELATED TO INSURANCE BUSINESS S.No Particulars For The Ended 31st December 2016 Upto Ended 31st December 2016 For The Ended 31st December 2015 (Rs. 000) Upto Ended 31st December Employees remuneration & welfare benefits 1,38,464 2,07,395 2 Travel, conveyance and vehicle running expenses 13,374 16,311 3 Training expenses 1,802 2,056 4 Rents, rates & taxes 14,898 21,537 5 Repairs Printing & stationery 765 1,303 7 Communication 1,305 1,385 8 Legal & professional charges 21,167 23,213 9 Auditors' fees, expenses etc (a) As auditor (b) As adviser or in any other capacity, in respect of (i) Taxation matters (ii) Insurance matters (iii) Management services; and (11) 20 (c) In any other capacity 10 Advertisement and publicity 26,576 26, Interest & Bank Charges Others (to be specified) (a) Membership and Subscription 743 1,045 (b) Loss on Foreign Exchange Fluctuation 1 (c) Insurance (d) Sitting Fee (e) Miscellaneous Expenses 5,072 19,653 (f) Stamp duty 842 (j) IT expenses 991 1, Depreciation 12,999 TOTAL 2,25,761 3,37,209

8 FORM NL8SHARE CAPITAL SCHEDULE SHARE CAPITAL (Rs. 000) S.No Particulars As at 31st December 2016 As at 31st December Authorised Capital 101,000,000 Equity Shares of Rs 10 each (Previous year: 100,000,000 Equity Shares of Rs. 10 each) 10,10,000 10,00,000 2 Issued Capital 100,441,178 Equity Shares of Rs 10 each ((Previous year: Out of 10,000,000 shares of face value Rs. 10, 6,950,000 shares are of Rs. 7.50/ each partly paid up) 10,04,412 82,625 3 Subscribed Capital 100,441,178 Equity Shares of Rs 10 each (Previous year: Out of 10,000,000 shares of face value Rs. 10, 6,950,000 shares are of Rs. 7.50/ each partly paid up) 10,04,412 82,625 4 Calledup Capital 100,441,178 Equity Shares of Rs 10 each (Previous year: Out of 10,04,412 82,625 10,000,000 shares of face value Rs. 10, 6,950,000 shares are of Rs. 7.50/ each partly paid up) Less : Calls unpaid Add : Equity Shares forfeited (Amount originally paid up) Less : Par Value of Equity Shares bought back Less : Preliminary Expenses Expenses including commission or brokerage on Underwriting or subscription of shares TOTAL 10,04,412 82,625

9 FORM NL9PATTERN OF SHAREHOLDING SCHEDULE SHARE CAPITAL PATTERN OF SHAREHOLDING Shareholder AS AT 31ST DECEMBER 2016 AS AT 31ST DECEMBER 2015 Number of Shares % of Holding Number of Shares % of Holding Promoters Indian 5,12,25,001 51% 1,00,00, % Foreign 4,92,16,177 49% 0% Others TOTAL 10,04,41, % 1,00,00, %

10 FORM NL10RESERVE AND SURPLUS SCHEDULE RESERVES AND SURPLUS S.No (Rs. 000) Particulars AS AT 31ST AS AT 31ST DECEMBER 2016 DECEMBER Capital Reserve 2 Capital Redemption Reserve 3 Share Premium 14,70,588 4 General Reserves Less: Debit balance in Profit and Loss Account Less: Amount utilized for Buyback 5 Catastrophe Reserve 6 Other Reserves 7 Balance of Profit in Profit & Loss Account TOTAL 14,70,588

11 FORM NL11BORROWINGS SCHEDULE BORROWINGS S.No Particulars AS AT 31ST DECEMBER 2016 (Rs. 000) AS AT 31ST DECEMBER Debentures/ Bonds 2 Banks 3 Financial Institutions 4 Others (to be specified) TOTAL

12 FORM NL12INVESTMENT SCHEDULE Statement as on: 31st December, 2016 Investments Schedule (Rs. 000) S.No Particulars AS AT 31ST AS AT 31ST DECEMBER 2016 DECEMBER 2015 LONG TERM INVESTMENTS 1 Government securities and Government guaranteed bonds including 3,82,960 Treasury Bills 2 Other Approved Securities 1,00,341 3 Other Investments ( a) Shares (aa) Equity (bb) Preference ( b) Mutual Funds (c) Derivative Instruments (d) Debentures/ Bonds (e) Other Securities (to be specified) (f) Subsidiaries (g) Investment PropertiesReal Estate 4 Investments in Infrastructure and Social Sector 4,12,712 5 Other than Approved Investments SHORT TERM INVESTMENTS 1 Government securities and Government guaranteed bonds including Treasury Bills 2 Other Approved Securities 3 Other Investments (a) Shares (aa) Equity (bb) Preference (b) Mutual Funds 3,02,509 34,350 (a) Derivative Instruments (b) Debentures/ Bonds (c) Other Securities (to be specified) (d) Subsidiaries (e) Investment PropertiesReal Estate 4 Investments in Infrastructure and Social Sector 5 Other than Approved Investments 11,94,185 TOTAL 23,92,708 34,350 Notes: 1 Aggregate Book Value of Investments (Other Than Listed Equities & Derivative Instruments) is 23,92, thousand (previous year 34, thousand). 2 Aggregate Market Value of Investments (Other Than Listed Equities & Derivative Instruments) is 23,84, thousand (previous year 34, thousand). 3 Includes investment in mutual fund amounting to 14,96, thousand (previous year 34, thousand) 4 Includes investments qualifying for infrastructure and social sector investments of 4,12, thousand (previous year NIL thousand)

13 FORM NL13LOANS SCHEDULE LOANS S.No Particulars AS AT 31ST DECEMBER 2016 (Rs. 000) AS AT 31ST DECEMBER SECURITYWISE CLASSIFICATION Secured (a) On mortgage of property (aa) In India (bb) Outside India (b) On Shares, Bonds, Govt. Securities (c) Others Unsecured TOTAL 2 BORROWERWISE CLASSIFICATION (a) Central and State Governments (b) Banks and Financial Institutions (c) Subsidiaries (d) Industrial Undertakings (e) Others TOTAL 3 PERFORMANCEWISE CLASSIFICATION (a) Loans classified as standard (aa) In India (bb) Outside India (b) Nonperforming loans less provisions (aa) In India (bb) Outside India TOTAL 4 MATURITYWISE CLASSIFICATION (a) Short Term (b) Long Term TOTAL

14 FORM NL14FIXED ASSETS SCHEDULE FIXED ASSETS Particulars Cost/ Gross Block Opening Additions Deductions Closing Up to Last Year For The Period Depreciation On Sales/Adjustments To Date AS AT 31ST DECEMBER 2016 Net Block (Rs. 000) AS AT 31ST DECEMBER 2015 Goodwill Intangibles 76,154 76,154 4,894 4,894 71,260 LandFreehold Leasehold Property Buildings Furniture & Fittings 2,146 2, ,984 Information Technology 1,747 74,106 75, ,905 7,028 68,825 Equipment Vehicles 4,045 4, ,679 Office Equipment 1,011 6,475 7, ,694 1,131 Others TOTAL 2,758 1,62,926 1,65, ,999 13,242 1,52,442 1,131 Work in progress 2,730 95,509 98,239 98,239 Grand Total 5,488 2,58,435 2,63, ,999 13,242 2,50,681 1,131 PREVIOUS YEAR 1,218 1, ,131

15 FORM NL15CASH AND BANK BALANCE SCHEDULE CASH AND BANK BALANCES (Rs. 000) S.No Particulars AS AT 31ST AS AT 31ST DECEMBER 2016 DECEMBER Cash (including cheques, drafts and stamps) Bank Balances (a) Deposit Accounts (aa) Shortterm (due within 12 months) 500 (bb) Others (b) Current Accounts 19, (c) Others (to be specified) 3 Money at Call and Short Notice (a) With Banks (b) With other Institutions 4 Others (to be specified) TOTAL 19, Balances with nonscheduled banks included in 2 and 3 above

16 FORM NL16ADVANCES AND OTHER ASSETS SCHEDULE ADVANCES AND OTHER ASSETS S.No Particulars AS AT 31ST DECEMBER 2016 (Rs. 000) AS AT 31ST DECEMBER 2015 ADVANCES 1 Reserve deposits with ceding companies 2 Application money for investments 1,715 3 Prepayments 3,275 4 Advances to Directors/Officers 5 Advance tax paid and taxes deducted at source (Net of provision for taxation) 6 Others: (a) Advance to Suppliers 7,899 Less: Provisions made Subtotal 7,899 (b) Other advances (Gross Amount) 15,363 Less: Provisions made Subtotal 15,363 TOTAL (A) 28,252 OTHER ASSETS 1 Income accrued on investments 15,152 2 Outstanding Premiums 3 Agents Balances 4 Foreign Agencies Balances 5 Due from other entities carrying on insurance business(including reinsurers) 1,732 6 Due from subsidiaries/ holding 19,402 7 Deposit with Reserve Bank of India[Pursuant to section 7 of Insurance Act, 1 8 Others: (a) Rent and other deposits 46,702 1,347 (b) Service tax on input services (net) 41,730 3,866 TOTAL (B) 1,24,716 5,213 TOTAL (A+B) 1,52,968 5,213

17 FORM NL17CURRENT LIABILITIES SCHEDULE CURRENT LIABILITIES S.No Particulars AS AT 31ST DECEMBER 2016 (Rs. 000) AS AT 31ST DECEMBER Agents Balances 25,943 2 Balances due to other insurance companies 75,498 3 Deposits held on reinsurance ceded 4 Premiums received in advance 67,506 5 Unallocated Premium 2,076 6 Sundry creditors 15, Due to subsidiaries/ holding company Claims Outstanding 25,903 9 Due to Officers/ Directors 10 Unclaimed Amount 11 Others (to be specified) (a) Tax deducted payable 7, (b) Other statutory dues 56,286 (c) Provident fund payable 3,127 (d) Advance from Corporate Clients (e) Due to employees 1,927 (f) Payable for investment 51,418 TOTAL 3,32,

18 FORM NL18PROVISIONS SCHEDULE PROVISIONS S.No (Rs. 000) Particulars AS AT 31ST AS AT 31ST DECEMBER 2016 DECEMBER Reserve for Unexpired Risk 2,93,295 2 For taxation (less advance tax paid and taxes deducted at source) 3 For proposed dividends 4 For dividend distribution tax 5 Others (to be specified) (a) For Gratuity 28,060 (b) For Leave Encashment 6,536 (f) For Other operating expense related 1,52,157 6 Reserve for Premium Deficiency 24,427 TOTAL 5,04,475

19 FORM NL19 MISC EXPENDITURE SCHEDULE MISCELLANEOUS EXPENDITURE (To the extent not written off or adjusted) S.No Particulars AS AT 31ST DECEMBER 2016 (Rs. 000) AS AT 31ST DECEMBER Discount Allowed in issue of shares/ debentures 2 Others (to be specified) TOTAL

20 FORM NL21 Statement of Liabilities S.No. Particular Reserves for unexpired risks AS AT 31ST DECEMBER 2016 Reserve for Outstandin g Claims IBNR Reserves Total Reserves Reserves for unexpired risks AS AT 31ST DECEMBER 2015 Reserve for Outstandin g Claims IBNR Reserves (Rs in Lakhs) Total Reserves 1 Fire 2 Marine a Marine Cargo b Marine Hull 3 Miscellaneous a Motor b Engineering c Aviation d Liabilities e Others 4 Health Insurance 3, ,436 5 Total Liabilities 3, ,436

21 FORM NL22 Geographical Distribution of Business STATES For The (Rs in Lakhs) Fire Marine (Cargo) Marine (Hull) Engineering Motor Own Damage Motor Third Party Liability insurance Personal Accident Medical Insurance Overseas medical Insurance Crop Insurance All Other Miscellaneous Grand Total Upto For The Upto For The Upto For The Upto For The Upto For The Upto For The Upto For The Upto For The Upto For The Upto For The Upto For The Upto For The Upto Andhra Pradesh 1 Arunachal Pradesh Assam Bihar Chhattisgarh Goa Gujarat 56 Haryana 0 62 Himachal Pradesh Jammu & Kashmir Jharkhand Karnataka Kerala Madhya Pradesh Maharashtra 5 2,919 Manipur Meghalaya Mizoram Nagaland Orissa Punjab Rajasthan Sikkim Tamil Nadu 14 Telangana 3 66 Tripura Uttar Pradesh 2 68 Uttrakhand West Bengal 5 Andaman & Nicobar Is. Chandigarh Dadra & Nagra Haveli Daman & Diu Delhi 1 39 Lakshadweep Puducherry Total 16 3,336

22 FORM NL23 Reinsurance Risk Concentration Reinsurance Risk Concentration (Rs in Lakhs) S.No. Reinsurance Placements No. of reinsurers Premium ceded to reinsurers Proportional NonProportional Facultative 1 No. of Reinsurers with rating of AAA and above 2 No. of Reinsurers with rating AA but less than AAA 3 No. of Reinsurers with rating A but less than AA % 4 No. of Reinsurers with rating BBB but less than A 5 No. of Reinsurres with rating less than BBB Total % Premium ceded to reinsurers / Total reinsurance premium ceded (%)

23 FORM NL24 Ageing of Claims Ageing of Claims (Rs in Lakhs) S.No. Line of Business No. of claims paid 1 month 1 3 months 3 6 months 6 months 1 year > 1 year Total No. of claims paid 1 Fire Total amount of claims paid 2 Marine Cargo 3 Marine Hull 4 Engineering 5 Motor OD 6 Motor TP 7 Health Overseas Travel 9 Personal Accident 10 Liability 11 Crop 12 Miscellaneous

24 FORM NL25 ly claims data for NonLife S. No. Claims Experience Fire Marine Cargo Marine Hull Enginee ring Motor OD Motor TP Health Overseas Travel Personal Accident No. of claims only Liability Crop Credit Miscellaneous Total 1 Claims O/S at the beginning of the period 2 Claims reported during the period Claims Settled during the period Claims Repudiated during the period Claims closed during the period 6 Claims O/S at End of the period Less than 3months months to 6 months 6months to 1 year 1year and above

25 FORM NL26 CLAIMS INFORMATION KG Table I Solvency for the quarter ended Required solvency margin based on net premium and net incurred claims (Rs. in Lacs) PREMIUM Claims Item Description No. Gross Net Gross incurred Net incurred RSM1 RSM2 RSM Premium Premium claim Claim 1 Fire 2 Marine Cargo 3 Marine Hull 4 Motor 5 Engineering 6 Aviation 7 Laibilities 8 Others 9 Health 3,353 3, ,000 Total 3,353 3, ,000

26 FORM NL27 Offices information for NonLife S. No. Office Information Number 1 No. of offices at the beginning of the year 2 No. of branches approved during the year 9 3 No. of branches opened during the Out of approvals of previous year 4 year Out of approvals of this year 9 5 No. of branches closed during the year 6 No of branches at the end of the year 7 No. of branches approved but not opend 8 No. of rural branches 9 No. of urban branches

27 FORM NL28STATEMENT OF ASSETS 3B Statement as on: 31st December 2016 Statement of Investment Assets (General Insurer, Reinsurers) (Business within India) Periodicity of Submission: ly (Rs in Lakhs) S.No PARTICULARS SCH AMOUNT 1 Investments 8 23,927 2 Loans 9 3 Fixed Assets 10 2,507 4 Current Assets a. Cash & Bank Balance b. Advances & Other Assets 12 1,530 5 Current Liabilities a. Current Liabilities 13 3,242 b. Provisions 14 1,868 c. Misc. Exp not Written Off 15 d. Debit Balance of P&L A/c 4,959 Application of Funds as per Balance Sheet (A) 18,093 Less: Other Assets SCH Amount 1 Loans (if any) 9 2 Fixed Assets (if any) 10 2,507 3 Cash & Bank Balance (if any) Advances & Other Assets (if any) 12 1,530 5 Current Liabilities 13 3,242 6 Provisions 14 1,868 7 Misc. Exp not Written Off 15 8 Debit Balance of P&L A/c 4,959 TOTAL (B) (5,834) 'Investment Assets' As per FORM 3B (AB) 23,927 S.No 'Investment' represented as Reg. % Balance FRSM + (a) (b) (c) d = (b+c) (e) (d + e) 1 G. Sec. Not less than 20% 3,830 3,830 16% 3,830 3,780 2 G. Sec or Other Apporved Sec. (incl. (1) above) Not less than 30% 4,833 4,833 21% 4,833 4,761 3 Investment subject to Exposure Norms 1. 'Housing & Loans to SG for Housing and FFE, Infrastructure Investments Not less than 15% 1,554 2,573 4,127 18% 4,127 4, Approved Investments Not exceeding 55% 2, ,015 13% 10 3,025 3, Other Investments (not exceeding 25%) 11,582 11,582 49% ,942 11,942 Total Investment Assets 100% 20,597 2,960 23, % ,927 23,841 SH PH Book Value (SH + PH) % Actual FVC Amount Total Market Value

28 FORM NL29 Detail regarding debt securities S.No As at 31st December, 2016 As % of total for this class Market Value As at 31st December, 2015 Detail Regarding debt securities As % of total for this class As at 31st December, 2016 As % of total for this class Book Value As at 31st December, 2015 (Rs in Lakhs) As % of total for this class Break down by credit rating AAA rated 4,113 46% 0% 4,127 46% 0% AA or better 0% 0% 0% 0% Rated below AA but above A 0% 0% 0% 0% Rated below A but above B 0% 0% 0% 0% Any other 4,761 54% 0% 4,833 54% 0% 8, % 0% 8, % 0% BREAKDOWN BY RESIDUALMATURITY Up to 1 year 0% 0% 0% 0% more than 1 yearand upto 3years 1,024 12% 0% 1,025 11% 0% More than 3years and up to 7years 3,090 35% 0% 3,102 35% 0% More than 7 years and up to 10 years 4,761 54% 0% 4,833 54% 0% above 10 years 0% 0% 0% 0% 8, % 0% 8, % 0% Breakdown by type of the issurer a. Central Government 3,780 3,830 b. State Government 981 1,003 c.corporate Securities 4,113 4,127 8, % 0% 8, % 0% Note 1. In case of a debt instrument is rated by more than one agency, then the lowest rating will be taken for the purpose of classification. 2. Market value of the securities will be in accordnace with the valuation method specified by the Authority under Accounting/ Investment regulations.

29 FORM NL30 Analytical Ratios S.No Particulars For The December 2016 Upto Ended 31st December 2016 For The December 2015 (Rs in Lakhs) Upto Ended 31st December Gross Premium Growth Rate NA NA NA NA 2 Gross Premium to shareholders' fund ratio NA NA 3 Growth rate of shareholders'fund 4818% 4818% NA NA 4 Net Retention Ratio 95% 95% NA NA 5 Net Commission Ratio 6% 6% NA NA 6 Expense of Management to Gross Direct Premium Ratio 74% 107% NA NA 7 Combined Ratio 74% 108% NA NA 8 Technical Reserves to net premium ratio 108% 108% NA NA 9 Underwriting balance ratio 86% 121% NA NA 10 Operationg Profit Ratio 73% 91% NA NA 11 Liquid Assets to liabilities ratio Net earning ratio 73% 108% NA NA 13 return on net worth ratio 12% 17% NA NA 14 Available Solvency argin Ratio to Required Solvency Margin Ratio NA NA 15 NPA Ratio NA NA Gross NPA Ratio NA NA Net NPA Ratio NA NA Equity Holding Pattern Analytical Ratios for NonLife companies (Rs in Lakhs) 1 (a) No. of shares 10,04,41,178 10,04,41,178 1,00,00,000 1,00,00,000 2 (b) Percentage of shareholding (Indian / Foreign) Indian 51% 51% 100% 100% Foreign 49% 49% 0% 0% 3 ( c) %of Government holding (in case of public sector insurance companies) NA NA NA NA 4 (a) Basic and diluted EPS before extraordinary items (net of tax expense) for the period (not to be annualized) (b) Basic and diluted EPS after extraordinary items (net of tax expense) for the period (not to be annualized) (iv) Book value per share (Rs)

30 FORM NL31 : Related Party Transactions S.No. Name of the Related Party Nature of Relationship with the Company Related Party Transactions Description of Transactions / Categories (Rs in Lakhs) Consideration paid / (received)* For The Upto Ended For The Ended Upto Ended December 31st December st December st December Aditya Birla Financial Services Limited Shareholder Allotment of Equity Shares (3,323) Reimbursement of expenses 11 Reimbursement of expenses received (2) Transfer of asset on transfer of employee 2 Transfer of employee benefits on transfer of employee (28) (51) 2 MMI Strategic Investment Pty Ltd. Shareholder Allotment of Equity Shares (19,628) Allocated Travel Cost and Reimbursement Reimbursement of expenses received (147) 3 Aditya Birla Nuvo Limited Aditya Birla Group Company Allotment of Equity Shares (671) (826) Reimbursement of expenses Birla Sun Life Insurance Company Limited Aditya Birla Group Company Insurance expense 1 2 Insurance premium (1,337) (1,337) Space sharing cost 3 9 Transfer of asset on transfer of employee 9 Transfer of employee benefits on transfer of employee (12) (33) 5 Aditya Birla Financial Shared Services Limited Aditya Birla Group Company Insurance premium (27) (27) Shared Admin and Emp Cost Aditya Birla Wellness Private Limited Aditya Birla Group Company Cost of Services 3 3 Reimbursement of expenses received (47) (47) 7 Aditya Birla Customer Services Limited (Formerly knowaditya Birla Group Company Digital Marketing cost Aditya Birla Finance Ltd. Aditya Birla Group Company Shared Admin Cost (2) (2) 9 Aditya Birla Money Mart Ltd Aditya Birla Group Company Shared Admin Cost (3) (3) 10 Aditya Birla Housing Finance Ltd. Aditya Birla Group Company Shared Admin Cost (0) (0)

31 FORM NL32 Products Information Products Information List below the products and/or addons introduced during the period S. No. Name of Product Co. Ref. No. IRDA Ref.no. Class of Business* Category of product Date of filing of Product 1 Group Activ Health IRDAI/HLT/ABHI/PH(G)/V.I/19/ Health Insurance Class Rated Product Group Activ Secure IRDAI/HLT/ABHI/PH(G)/V.I/18/ Health Insurance Class Rated Product Activ health IRDAI/HLT/ABHI/PH/V.I/32/1617 Health Insurance Class Rated Product Date IRDA confirmed filing/ approval

32 FORM NL33 SOLVENCY MARGIN KGII Solvency for the ended 31st December 2016 Available Solvency Margin and Solvency Ratio (Rs in Lakhs) Item Description Notes No. Amount (1) (2) (3) (4) 1 Available Assets in Policyholders Funds (adjusted value of Assets as mentioned in Form IRDAAssetsAA): 4,900 Deduct: 2 Liabilities (reserves as mentioned in Form HG) 3,436 3 Other Liabilities (other liabilities in respect of Policyholders Fund as mentioned in Balance Sheet) 1,451 4 Excess in Policyholders Funds (123) 13 5 Available Assets in Shareholders Funds (value of Assets as mentioned in Form IRDAAssetsAA): 23,242 Deduct: 6 Other Liabilities (other liabilities in respect of Shareholders Fund as mentioned in Balance Sheet) 3,484 7 Excess in Shareholders Funds (56) 19,758 8 Total Available Solvency Margin [ASM] (4+7) 19,771 9 Total Required Solvency Margin [RSM] 5, Solvency Ratio (Total ASM/Total RSM) 3.95

33 FORM NL34 Board of Directors & Key Person BOD and Key Person information S. No. Name of person Role/designation Details of change in the quarter ended December 31, Mr. Ajay Srinivasan Non Executive Director 2 Mr. Sushil Agarwal Non Executive Director 3 Mr. Devajyoti Bhattacharya Non Executive Director 4 Mr. Asokan Naidu Non Executive Director 5 Mr. Danie Botes Non Executive Director 6 Mr. S Ravi Independent Director 7 Ms. Sukanya Kripalu Independent Director 8 Mr. P Vijay Bhaskar Independent Director 9 Mr. C N Ram Independent Director 10 Mr. Mahendren Moodley Independent Director Appointed w.e.f. October 1, Mr. Mayank Bathwal CEO & Whole Time Director Key Persons S. No. Name of person Role/designation Details of change in the quarter ended December 31, Mr. Mayank Bathwal CEO & Whole Time Director 2 Ms. Shikha Bagai Chief Finance Officer 4 Ms. Anuradha Sriram Appointed Actuary 3 Mr. Rajiv Joshi Head Legal, Risk, Compliance and Secre 8 Mr. Srinivasan SubramaniamHead Operations 5 Mr. Amar Joshi Chief Distribution Officer 8 Ms. Darshana Shah Chief Marketing Officer 6 Mr. Sanjay Karnatak Head Information Technology 7 Mr. Santanu Banerjee Head Human Resource Key Persons as defined in the Corporate Governance Guidelines issued by the IRDAI.

34 FORM NL35NON PERFORMING ASSETS7A Statement as on: 31st December 2016 Details of Investment Portfolio Periodicity of Submission : ly COI Company Name Instrument Type Interest Rate Total O/s (Book Value) Default Principal (Book Value) Default Interest (Book Value) Principal Due from Interest Due from Has there been any Principal Waiver? Board Amount Approval Ref Provision (Rs) % Has there been revision? Nill Deferred Principal Deferred Interest Rolled Over? Classification Provision (%)

35 FORM NL36YIELD ON INVESTMENTS 1 Statement as on: 31st December 2016 Statement of Investment and Income on Investment Periodicity of Submission: ly Current Year to Date Previous Year Category S.No Category of Investment Investment (Rs.) Income on Code Gross Yield Net Yield Investment (Rs.) Income on Net Yield Investment (Rs.) Income on Gross Yield Gross Yield Net Yield Investment Investment Investment Book Value Market Value (%)¹ (%)² Book Value Market Value (%)¹ (%)² (Rs.) Book Value Market Value (%)¹ (%)² (Rs.) (Rs.) A01 Central Government Bonds CGSB 2,758 3, % 0.61% 2,758 3, % 0.61% 0.00% 0.00% (Rs in Lakhs) B GOVERNMENT SECURITIES / OTHER APPROVED SECURITIES B02 State Government Bonds SGGB 1, % 0.53% 1, % 0.53% 0.00% 0.00% C a) HOUSING & LOANS TO STATE GOVT. FOR HOUSING AND FFE C10 Bonds / Debentures issued by Authority constituted un HTDA 2,211 2, % 0.56% 2,211 2, % 0.56% 0.00% 0.00% (b) OTHER INVESTMENTS (HOUSING) 0.00% 0.00% 0.00% 0.00% (c) INFRASTRUCTURE INVESTMENTS C27 Infrastructure PSU Debentures / Bonds IPTD 1,105 1, % 0.35% 1,105 1, % 0.35% 0.00% 0.00% D APPROVED INVESTMENT SUBJECT TO EXPOSURE NORMS D29 Mutual Funds Gilt / G Sec / Liquid Schemes EGMF 516 1, % 8.13% 2,346 1, % 3.77% 0.00% 0.00% D30 Mutual Funds (under Insurer's Promoter Group) EMPG 2,652 1, % 5.25% 4,699 1, % 5.34% % 0.82% E OTHER INVESTMENTS E15 Mutual Funds Debt / Income / Serial Plans OMGS 12,266 8, % 1.62% 11,642 8, % 1.71% 0.00% 0.00% E16 Mutual Funds (under Insurer's Promoter Group) OMPG 3,065 3, % 0.00% 2,500 3, % 0.00% TOTAL 25,577 23, ,265 23,

36 FORM NL37DOWN GRADING OF INVESTMENT2 Statement as on: 31st December 2016 Statement of Down Graded Investments Periodicity of Submission: ly (Rs in Lakhs) S.No Name of the Security COI Amount Date of Purchase Rating Agency Original Grade Current Grade Date of Downgrade Remarks A. During the ¹ Nill B. As on Date ²

37 FORM NL38 ly Business Returns across line of Business S.No. Line of Business For the Quarater 31 Dec 2016 For the Quarater 31 Dec 2015 For the Period Ended 31 Dec 2016 For the Period Ended 31 Dec 2015 Premium No. of Policies Premium No. of Policies Premium No. of Policies Premium No. of Policies 1 Fire 2 Cargo & Hull 3 Motor TP 4 Motor OD 5 Engineering 6 Workmen's Compensation 7 Employer's Liability 8 Aviation 9 Personal Accident Health 3, , Others* ly Business Returns across line of Business (Rs in Lakhs)

38 FORM NL39 Rural & Social Obligations (ly Returns) Rural & Social Obligations (ly Returns) (Rs in Lakhs) S.No. Line of Business Particular No. of Policies Issued Premium Collected Sum Assured Fire Cargo & Hull Motor TP Motor OD Engineering Rural Rural Rural Rural Rural Social Social Social Social Social Workmen's Compensation Employer's Liability Aviation Personal Accident Health Others* Rural Rural Rural Rural Rural Rural Social Social Social Social Social Social

39 FORM NL40 Business Acquisition through different channels Business Acquisition through different channels (Rs in Lakhs) S.No. Current Same quarter Previous Year Up to the period Same period of the previous year Channels No. of Policies Premium No. of Policies Premium No. of Policies Premium No. of Policies Premium 1 Individual agents Corporate AgentsBanks 3 Corporate Agents Others Brokers 96 3, ,317 5 Micro Agents 6 Direct Business Total (A) 263 3, ,353 1 Referral (B) Grand Total (A+B) 263 3,353 #VALUE! #VALUE! 263 3,353 #VALUE! #VALUE!

40 FORM NL41 GREIVANCE DISPOSAL GRIEVANCE DISPOSAL (Rs in Lakhs) S No. Particulars Opening Balance * Additions Complaints Resolved Fully Accepted Partial Accepted Rejected Complaints Pending 1 Complaints made by customers a) Proposal Related b) Claims c) Policy related Nil d) Premium e) Refund d) Coverage f) Cover note related g) Product h) Others Total Number of Complaints 2 Total number of policies during previous year 3 Total number of claims during previous year 4 Total number of policies during current year Nil 5 Total number of claims during current year 6 Total number of policy complaints (current year) per 10,000 policies (current year) 7 Total number of claims complaints (current year) per 10,000 policies (current year) 8 Duration wise Pending Status Complaints made by customers Complaints made by intermediaries a) Upto 7 Days b) 7 15 Days c) Days Nil d) Days e) 90 Days and beyond Total Number of Complaints Total