Q4 2026 ICICI Lombard General Insurance Company Ltd Earnings Call Transcript
Key Points
- ICICI Lombard General Insurance Co Ltd (NSE:ICICIGI) reported a robust growth of 18.2% in Q4 2026, significantly outpacing the industry growth of 10.9%.
- The company achieved a strong 20% growth in the Health segment for 2026, surpassing the industry growth of 15.4%.
- ICICI Lombard's retail health business demonstrated impressive growth, with a 51.1% increase in 2026, significantly outpacing the industry growth of 19.9%.
- The company's investment income increased to INR47.42 billion in FY26, up from INR42.5 billion in FY25, reflecting strong investment performance.
- ICICI Lombard maintained a healthy solvency ratio of 2.67 times as of March 31, 2026, well above the minimum regulatory requirement.
- ICICI Lombard's growth in gross domestic premium income for 2026 was 7%, which lagged behind the industry growth of 9.2%.
- The company's growth in the Commercial lines segment was 5.4% for 2026, significantly lower than the industry growth of 12.2%.
- ICICI Lombard's combined ratio on a one by N basis for FY26 was 103.4%, indicating a slight deterioration from 102.8% in FY25.
- The motor segment growth for ICICI Lombard was 7.6% for 2026, below the industry growth of 9.2%.
- The company's return on average equity decreased to 17.8% in FY26 from 19.1% in FY25, reflecting a decline in profitability.
Ladies and gentlemen, good evening, and a very warm welcome to the ICICI Lombard General Insurance Company Limited's Q4 and FY 2026 earnings conference call.
From the senior management, we have with us today, Mr. Sanjeev Mantri, MD and CEO of the company; Mr. Gopal Balachandran, CFO; Mr. Anand Singhi, Chief Retail and Government; Mr. Girish Nayak, Chief Enterprise, AI and Technology; Mr. Sandeep Goradia, Chief Corporate Solutions, International and Bancassurance; Mr. Gaurav Arora, Chief Commercial Lines and Motor Underwriting and Claims, and Mr. Girish Sehgal, Chief Health UW and Claims, Customer Service and Operations.
Please note that any statements or comments made in today's call that may look like forward-looking statements are based on information presently available to the management and do not constitute an indication of any future performance as the future involves risks and uncertainties, which could cause results to differ materially from current views being expressed. (Operator Instructions). Please note that this conference is being recorded.
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