REVIEWJODHPUR

Presented By:
Niteshwar Sharma
Branch Head
Jodhpur

BRANCH CORE BUSINESS

FY 16-17 Budget

F.Y 16-17 H-1 Performance

Loss
RatioAs
on 1st
April 16

Loss
Ratio As
on 1st
Sep 2016

LR%

LR%

Figures in millions - CORE BUSINESS

Area

Main Branch

IMD CHANNEL

UP & RJ

Jodhpur

BANC ASSURANCE

UP & RJ

Jodhpur

BROKERS

UP & RJ

Jodhpur

DIRECT

UP & RJ

Jodhpur

DIRECT MARKETING

UP & RJ

Jodhpur

MIDS

UP & RJ

Jodhpur

MOTOR DEALER

UP & RJ

Jodhpur

MULTILINE

UP & RJ

Jodhpur

OTHERS

UP & RJ

Jodhpur

TRAVEL AGENT

UP & RJ

Jodhpur

WEBSALES

UP & RJ

Jodhpur

Total

FY 16-17
Budget
GWP

Budgeted
Growth %

BUDGET H1 (Apr-SEP)

CFY H-1
GWP

H-1
Budget
Achvd%

21.61

24.9%

9.70

10.15

105%

7.78

+30%

38%

60%

0.22

-57.3%

0.13

0.12

94%

0.31

-60%

1736%

359%

0.11

14.8%

0.07

0.02

31%

0.07

-66%

-31%

158%

0.27

-29.7%

0.15

0.13

89%

0.19

-31%

-107%

-460%

33.09

44.8%

11.08

8.05

73%

7.60

+6%

65%

58%

85.90

26.1%

38.64

34.93

90%

30.20

+16%

65%

45%

77.71

19.8%

39.42

40.22

102%

33.42

+20%

67%

70%

0.02

52.8%

0.02

0.01

31%

0.01

-45%

0%

0%

0.75

36.9%

0.32

0.28

87%

0.22

+24%

21%

59%

0.00

NA

0.00

0.00

NA

0.00

NA

0%

NA

219.69

25.8%

99.53

93.91

94%

79.80

66%

58%

LFY H-1 H-1 Gr % ON

GWP
LFY

+18%

BRANCH PERFORMANCE INCLUDING INITIATIVES

Figures in millions (Excl Bus Credit) Including Initiatives

Area

Main Branch

IMD CHANNEL

UP & RJ

Jodhpur

BANC ASSURANCE

UP & RJ

Jodhpur

BROKERS

UP & RJ

Jodhpur

DIRECT

UP & RJ

Jodhpur

DIRECT MARKETING

UP & RJ

Jodhpur

MIDS

UP & RJ

Jodhpur

MOTOR DEALER

UP & RJ

Jodhpur

MULTILINE

UP & RJ

Jodhpur

OTHERS

UP & RJ

Jodhpur

TRAVEL AGENT

UP & RJ

Jodhpur

WEBSALES

UP & RJ

Jodhpur

Total

FY 16-17 Budget

Loss Ratio
as on 1st
April 2016

F.Y 16-17 H-1 Performance

Loss Ratio
as on 1st
Sep 2016

FY 16-17
Budget
GWP

Budgeted
Growth %

BUDGET H1 (Apr-SEP)

CFY H-1
GWP

H-1
Budget
Achvd%

LFY H-1
GWP

H-1 Gr % ON
LFY

LR%

LR%

21.61

24.9%

9.70

10.15

105%

7.78

+30%

38%

60%

0.22

-57.3%

0.13

0.12

94%

0.31

-60%

1736%

359%

0.11

-17.7%

0.07

0.02

31%

0.10

-78%

3%

189%

0.27

-74.8%

0.15

0.59

401%

0.52

+14%

-40%

-158%

33.09

44.8%

11.08

8.05

73%

7.60

+6%

65%

58%

85.90

26.1%

38.64

34.94

90%

30.20

+16%

65%

45%

174.12

99.9%

73.37

61.40

84%

37.41

+64%

61%

62%

0.02

52.8%

0.02

0.01

31%

0.01

-45%

0%

0%

0.75

36.9%

0.32

0.28

87%

0.22

+24%

21%

59%

0.00

NA

0.00

0.00

NA

0.00

NA

0%

NA

316.10

59.9%

133.47

115.56

87%

84.16

64%

55%

+37%

RN FUEL NCB WISE

FY 15-16
REGION

Location
Desc

CHANNEL

Fuel Type

WITH NCB

YTD FY 16-17 AS ON SEP 2016

WITHOUT NCB

WITH NCB
Total NOP

NOP

'AVG CD

NOP

'AVG CD

WITHOUT NCB

Total 'AVG
CD
NOP

'AVG CD

NOP

'AVG CD

Total NOP

Total 'AVG
CD

RJ

JODHPUR

DM

36.10%

NA

36.10%

42.36%

NA

42.36%

RJ

JODHPUR

30.91%

36.07%

34.88%

38.53%

NA

38.53%

RJ

JODHPUR

58

28.95%

11.97%

62

27.15%

15

26.74%

NA

15

26.74%

RJ

JODHPUR

DM Total

63

29.34%

28.65%

70

29.16%

18

32.42%

NA

18

32.42%

RJ

JODHPUR

ML

29

32.90%

30.14%

36

32.23%

39.05%

31.23%

35.50%

RJ

JODHPUR

490

45.72%

230

45.56%

720

45.65%

173

49.77%

49

55.98%

222

52.60%

RJ

JODHPUR

824

40.97%

196

33.05%

1020

38.96%

276

37.70%

66

31.60%

342

35.83%

RJ

JODHPUR

ML Total

1343

43.69%

433

42.74%

1776

43.33%

454

45.53%

118

50.48%

572

47.57%

RJ

JODHPUR
Total

1406

43.47%

440

42.62%

1846

43.15%

472

45.31%

118

50.48%

590

47.42%

MOTOR MIX REPORT

Zone

State

Location Desc

Risk Category

Risk Segment

Zone

State

Location Desc

Risk Category

Risk Segment

FY 15-16

YTD FY 16-17

NOP

%
%
Net
Contribution
Contribution
Premium
on Net
on NOP
premium

NOP

%
%
Net
Contribution
Contribution
Premium
on Net
on NOP
premium

North

Rajasthan JODHPUR

Pvt Car

Preferred

2174

26815575

43.34%

46.56%

699

9707797

33.83%

31.16%

North

Rajasthan JODHPUR

2W

Preferred

913

907875

18.20%

1.58%

366

382212

17.72%

1.23%

North

Rajasthan JODHPUR

CV - 3W - GCV

Preferred

51181

0.18%

0.09%

33079

0.24%

0.11%

North

Rajasthan JODHPUR

CV - 3W - PCV

Preferred

70

341895

1.40%

0.59%

18053

0.15%

0.06%

North

Rajasthan JODHPUR

CV - 4W - PCV School

Preferred

98

2653882

1.95%

4.61%

72

2327893

3.48%

7.47%

North

Rajasthan JODHPUR

CV - GVW <= 3.5T

Preferred

62

1072565

1.24%

1.86%

40

664499

1.94%

2.13%

North

Rajasthan JODHPUR

CV - GVW >3.5T <= 7.5T Preferred

140483

0.16%

0.24%

84572

0.24%

0.27%

North

Rajasthan JODHPUR

CV - Misc-D

Preferred

196

2269502

3.91%

3.94%

166

1610349

8.03%

5.17%

North

Rajasthan JODHPUR

CV - Taxi

Preferred

31058

0.04%

0.05%

0.00%

0.00%

North

Rajasthan JODHPUR

CV - MOTOR TRADE

Preferred

0.00%

0.00%

0.00%

0.00%

North

Rajasthan JODHPUR

CVTP - 3W - GCV

Preferred

108

524764

2.15%

0.91%

44931

0.39%

0.14%

North

Rajasthan JODHPUR

CVTP - 3W - PCV

Preferred

187

595479

3.73%

1.03%

12281

0.15%

0.04%

North

Rajasthan JODHPUR

CVTP - 4W - PCV School

Preferred

75

1906325

1.50%

3.31%

36

932721

1.74%

2.99%

Zone

State

Location Desc

Risk Category

Risk Segment

Zone

State

Location Desc

Risk Category

Risk Segment

FY 15-16

NOP

YTD FY 16-17

%
%
Net
Contribution
Contribution
Premium
on Net
on NOP
premium

NOP

%
%
Net
Contribution
Contribution
Premium
on Net
on NOP
premium

North

Rajasthan JODHPUR

CVTP - E Rickshaw

Preferred

0.00%

0.00%

0.00%

0.00%

North

Rajasthan JODHPUR

Preferred

295

4283185

5.88%

7.44%

74

1077460

3.58%

3.46%

North

Rajasthan JODHPUR

CVTP - GVW <= 3.5T

CVTP - GVW >3.5T <=
7.5T

Preferred

117

1698321

2.33%

2.95%

15

218150

0.73%

0.70%

North

Rajasthan JODHPUR

CVTP - Misc-D

Preferred

51

147480

1.02%

0.26%

11616

0.15%

0.04%

North

Rajasthan JODHPUR

CVTP - Taxi

Preferred

0.00%

0.00%

0.00%

0.00%

North

Rajasthan JODHPUR

CV - 4W - PCV Excluding
School
Non- Preferred

12

260966

0.24%

0.45%

0.00%

0.00%

North

Rajasthan JODHPUR

CV - GVW > 7.5 <= 16.2T Non- Preferred

52

1280570

1.04%

2.22%

51

1384944

2.47%

4.45%

North

Rajasthan JODHPUR

CV - GVW > 16.2T

Non- Preferred

178

4654018

3.55%

8.08%

177

4748499

8.57%

15.24%

North

Rajasthan JODHPUR

CV - Tractor

Non- Preferred

24517

0.02%

0.04%

73293

0.24%

0.24%

North

Rajasthan JODHPUR

CV - E Rickshaw

Non- Preferred

0.00%

0.00%

4420

0.05%

0.01%

North

Rajasthan JODHPUR

Non- Preferred

96689

0.12%

0.17%

69354

0.39%

0.22%

North

Rajasthan JODHPUR

CVTP - 4W - PCV
Excluding School
CVTP - GVW > 7.5 <=
16.2T

Non- Preferred

168

3287128

3.35%

5.71%

111

2504749

5.37%

8.04%

North

Rajasthan JODHPUR

CVTP - GVW > 16.2T

Non- Preferred

212

4223936

4.23%

7.33%

196

4908371

9.49%

15.76%

North

Rajasthan JODHPUR

CVTP - Tractor

Non- Preferred

22

330060

0.44%

0.57%

22

330750

1.06%

1.06%

North

5016

57597454

100.00%

100.00%

2066

31149993

100.00%

100.00%

JODHPUR
TOTAL

TP OBLIGATORY
Figures in millions (INCL AWB/VSO)
BRANCH
Area
CHANNEL
JodhpurBA
NC
ASSURANC
E
UP & RJ
JodhpurBR
OKERS UP & RJ
JodhpurDIR
ECT
UP & RJ
JodhpurDIR
ECT
MARKETIN
G
UP & RJ
JodhpurMID
S
UP & RJ
JodhpurMO
TOR
DEALER UP & RJ
JodhpurMU
LTILINE UP & RJ
JodhpurOT
HERS
UP & RJ
JodhpurTRA
VEL AGENT UP & RJ
JodhpurWE
BSALES UP & RJ

UP & RJ

Main
Branch

IMD CHANNEL

Jodhpur

BANC ASSURANCE

Jodhpur

BROKERS

Jodhpur

DIRECT

Jodhpur

DIRECT MARKETING

Jodhpur

MIDS

Jodhpur

MOTOR DEALER

Jodhpur

MULTILINE

Jodhpur

OTHERS

Jodhpur

TRAVEL AGENT

Jodhpur
Jodhpur

WEBSALES
Total

FY 16-17 Budget- TP
obligation

F.Y 16-17 H-1 Performance

FY 16-17
FY 15-16
BUDGET
Budget TP
Budgeted
Total TP
H-1 (Aproblig.
Growth %
Premm
SEP)
prem

CFY H-1
GWP

H-1
Budget
Achvd%

LFY H-1
GWP

H-1 Gr %
ON LFY

2.15

1.61

34.1%

1.39

1.02

73%

1.02

1%

0.02

0.04

-57.3%

0.01

0.01

81%

0.03

-66%

0.02

0.03

-15.6%

0.02

0.01

50%

0.02

-59%

0.10

0.37

-73.4%

0.06

0.36

603%

0.16

130%

5.60

3.98

40.6%

1.85

1.66

90%

1.30

28%

16.44

11.91

38.0%

7.60

6.71

88%

5.45

23%

69.48

43.94

58.1%

31.32

35.86

114%

19.49

84%

0.01

0.01

0.0%

0.01

0.00

0%

0.01

-100%

0.01

0.01

0.0%

0.00

0.00

132%

0.00

32%

0.00

0.00

NA

0.00

0.00

NA

0.00

NA

93.84

61.91

51.6%

42.27

45.64

108%

27.48

66%

MARKET ANALYSYS
Motor Competitor
ICICI Lombard, HDFC Ergo & Future Generali

Health Competitor
Dominated by Star health with approx 1.25-1.4 cr
Apollo Munich monthly business 75-90 lakhs

OUR MARKET UNDERSTANDING

Disciplined and Aggressive
Main focus Petrol vehicle
2nd focus LCV
Adding private financer

10

FUTURE PLANS AND SUPPORT REQD.

Increase AAPD to 110 by Q3
Shortfall of H1 will be meet by October end
Initiative deficit will be filled in next 3 months

11

Thank You

12