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ICICI Lombard General Insurance Company (ICICIGI) investor relations material

ICICI Lombard General Insurance Company Q2 25/26 earnings summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
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Q2 25/26 earnings summary14 Oct, 2025

Executive summary

  • H1 FY2026 was marked by regulatory reforms, strong macroeconomic fundamentals, and a focus on profitable growth, operational excellence, and customer-centricity, leveraging digital initiatives and tailored service offerings.

  • Celebrated 25 years of operations, emphasizing a legacy of trust, market leadership, and strategic focus on risk management, technology, and capital management.

  • Audited financial results for H1 FY2026 were approved with an unmodified audit opinion; interim dividend of ₹6.50 per share declared.

Financial highlights

  • Gross written premium for H1 FY2026 grew 1.6% year-over-year to ₹151.11 billion.

  • Profit after tax for H1 FY2026 was ₹15.67 billion, up 22.9% year-over-year.

  • Combined ratio for H1 FY2026 was 104% (103% on n basis); return on average equity was 20.8%.

  • Solvency ratio stood at 2.73x as of September 30, 2025.

  • Interim dividend of ₹6.50 per share declared, up from ₹5.5 per share in H1 FY2025.

Outlook and guidance

  • Management expects positive momentum in H2 FY2026, driven by regulatory reforms, festive demand, and continued focus on sustainable, profitable growth.

  • New IRDAI regulations on premium and commission recognition effective October 1, 2024, impacted reported figures and comparability.

  • Aims to sustain ROE in the 18–20% range and maintain leadership in key segments.

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Frequently asked questions

ICICI Lombard General Insurance Company Ltd provides a range of general insurance products, including motor, health, travel, and home insurance. The company serves individuals and businesses through digital platforms and physical distribution channels. It is headquartered in Mumbai, India, and its shares are listed on the NSE.

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