ICICI Lombard General Insurance Company Ltd

Interim dividend and TDS

• Board approved interim dividend of ₹7.0 per equity share (face value ₹10) for FY2027.
• Record date: 23 October 2026; dividend payout date: on or before 12 November 2026.
• TDS will apply at 10% for resident shareholders with valid PAN.
• TDS may be 20% if PAN not provided or inoperative; nil rates possible for certain categories.
• Non-resident shareholders: TDS at 20% or treaty rate, whichever is lower.
• Submit required documents via KFintech or RTA by 23 October 2026.
• Dividend will be paid after deduction of tax at source and TDS certificate will be dispatched.

Meeting Details

• Earnings conference call with investors and analysts held on October 14, 2026.
• Audio recording of the call hosted on the company website.

Purpose

• Purpose: discuss quarterly and half-year results for the period ended September 30, 2026.

Dividend details

• Interim dividend approved for FY2027 at ₹7 per equity share.
• Face value ₹10; dividend is 70% of face value.
• Record date fixed as 23 October 2026.
• Payment to shareholders on or before 12 November 2026, subject to TDS.
• Tax deducted at source at applicable rate.
• Board approved declaration and payment of interim dividend on Oct 14, 2026.

Business Overview

• Private general insurer offering motor, health, crop, fire, PA, marine, engineering, and liability lines.
• Digital-led strategy with IL TakeCare app supporting distribution and customer service.

Key Operational Highlights

• H1 FY2027 GDPI ₹151.10 bn, up 5.4% YoY.
• Q2 FY2027 GDPI ₹67.92 bn, up 3.0% YoY.
• PAT Q2 FY2027 ₹10.31 bn, up 27.5%.
• Interim dividend ₹7.00 per share declared for H1 FY2027.
• Solvency ratio 2.74x as at Sep 30, 2026.
• Advance premium ₹47.33 bn as at Sep 30, 2026.

Financial Performance

• PAT Q2 FY2027 ₹10.31 bn; RoAE 23.7% (Q2 FY2027).
• CoR Q2 FY2027 104.5%; CoR Excl CAT 102.7%.
• Investment income Q2 FY2027 ₹15.54 bn; capital gains ₹4.53 bn.
• H1 GDPI growth excluding Crop & Mass Health 10.4% YoY.

Capital Structure & Liquidity

• Interim dividend declared; no equity raise indicated.
• Solvency ratio 2.74x; advance premium indicates liquidity.

Strategic Priorities & Outlook

• Profitable growth with diversified product portfolio and multi-channel distribution.
• Technology-led operations and value-added digital services to deepen penetration.
• Prudent risk management and active capital management to sustain ROE.

Risks & Mitigation

• CAT losses impacted CoR; mitigations include diversified reinsurance and MAD.
• Underwriting using predictive ultimate loss models to improve risk selection.

Governance & Leadership

• CSR & Sustainability Committee and Risk Management Committee govern ESG risk.
• Dividend policy and interim payout reflect governance of capital returns.

Financial results approved

• Audited financial statements for the half-year ended 30 September 2026 and quarterly results approved.
• Joint statutory auditors' report on results enclosed.

Dividend declaration

• Interim dividend of Rs 7 per equity share (face value Rs 10) approved.
• Record date fixed at 23 October 2026; payment by 12 November 2026.
• Dividend is subject to tax deduction at source at applicable rate.

Disclosures and audit details

• Annexures include segment reporting and balance sheet as at 30 September 2026.
• Receipts & Payments/Cash flow for half-year ended 30 September 2026 disclosed.
• Audit conducted by B S R & Co. LLP and Walker Chandiok & Co LLP.

Allotment Details

• 4,009 equity shares of ₹10 each allotted on 14 October 2026.
• 3,940 shares allotted under ICICI Lombard Employees Stock Option Scheme - 2005.
• 69 shares allotted under ICICI Lombard Employees Stock Unit Scheme - 2023.
• Approval granted by Whole-time Director at 12:46 p.m.; Board authorized on 18 July 2023.
• Shares rank pari-passu with existing equity shares in all respects.

Video disclosures

• Provides links to Digital Day Meet 2026 risk and claim videos for the presentation.
• No unpublished price-sensitive information will be shared during the meeting(s).
• Disclosures will be available on the company's website.

Analyst Day update

• Disclosure of Analyst Digital Day 2026 presentation to be used at the meet.
• No unpublished price-sensitive information will be shared during the meeting.
• Presentation will be available on the company's website.
• 135K+ commercial customers connected.
• 870K+ car owners connected.
• Average claims processing time is 3.3 days.
• 87% of claims experience a connected journey.

Meeting Details

• Board meeting scheduled for October 14, 2026, in Mumbai (time not disclosed).

Key Agenda Items

• Approve Audited Financial Results and Audited Financial Statements for Q2 FY2027 ended September 30, 2026.
• Declaration of Interim Dividend for FY2027, if any.

Other Notes

• Trading window closed for Designated Persons and their immediate relatives from Oct 1 to Oct 16, 2026.