Go Digit General Insurance (GODIGIT) investor relations material

Strategic direction and growth priorities

• Shift from market-led to choice-led growth, focusing on deliberate capital and risk decisions for higher ROE opportunities.

• Growth is managed by deciding where to expand, slow, or step back, with capital allocated to segments with positive ROE.

• Distribution quality is prioritized, with growth discipline starting at the distribution level to protect ROE as scale increases.

• Commercial lines are managed with a cyclical, outcome-driven approach, scaling quickly when market conditions are favorable and expanding horizontally during soft cycles.

• Technology and data intelligence are leveraged for business steering, partner engagement, and operational efficiency.

Financial and operational performance

• Capital and effort are redirected from low-ROE to high-ROE segments, with Motor TP showing 26% growth in high-ROE areas versus 8% in low-ROE.

• Improved pricing in commercial lines has made them a deliberate growth focus for the current year.

• Direct-to-consumer (D2C) channels achieved ~1.6x YoY growth in the first nine months, maintaining healthy ROE and high customer renewal ratios (>70%).

• Motor Own Damage claims volume increased from 5.1L to 5.5L YoY, with technology enabling higher throughput and stable service velocity.

• Customer NPS improved from 95.6% to 97.3%, and claims per person per month rose from 133 to 148.

Claims management and technology

• Motor Third Party claims are managed with a holistic, evidence-based approach, focusing on outcome control and early settlement where liability is clear.

• Technology is used to automate claims registration, reduce manual intervention, and ensure consistency across interactions.

• AI-driven systems provide insights, merge survey and assessment workflows, and standardize repair/replace decisions.

• Operational efficiency improvements include reduced end-to-end turnaround time and increased productivity despite higher claim volumes.

• Commercial lines risk is managed by participating only in projects passing internal assessments and adjusting focus based on market cycles.