#Q3marketupdates #Q3investorpresentations

Mkt share up 214 bps to 16.4%
NBM at 25.6%
8% Individual WRP growth compared to private industry de-growth of 6%
25.6% New Business Margin on the back of growth, balanced product mix

17% growth in Protection (Indl) and 42% growth in Annuity in APE terms
22% growth in renewal premium with stable persistency
PAT of Rs 1,042 Cr, with growth of 6%
Solvency healthy at 202%
Pvt mkt share rank up to 2,gain 214 bps 14.3 to 16.4%
Balanced product mix %
Savings 35
Non participating savings 30
Ulips 23
Protection 7
Annuity 5

Distribution 300+ partners

AUM 31Dec 20
1.7 lkh cr
Debt:equity mix 64:36
98% debt in Gsecs & AAA

Renewal premium growth 22%
NBM 25.6%
PAT 10.4 bn,up 6%
Solvency ratio 202%
42 % growth in annuity business

NBM %
2019 24.6
2020 25.9
9 months fy21 25.6

Strong partner ships
Hdfc bank ,Yes ,RBL , pnb housing ,Idfc 1st
etc

Sustained growth in Individual protection %
2018 2.5
9mnth fy21 3
NPS - #1 with AUM 139 bn amongst pvt players ,strong growth AUM 9mnths 81%

26000 lives covered in 9mnths Fy21

5 building blocks
Insta suite
InstaInsure
Online payments & services
AI ,Big data ,Cloud
Life 99
Life insurance penetration %
Taiwan 16.5
Hong kong 18.3
Japan 6.7
China 2.3
India 2.8

Life insurance density US$
Hong kong 8979
Taiwan 4129
Japan 2691
China 230
India 58

Indias insurable population to touch 750 mn 2020
Elderly population to double 2035
Protection gap 2019
India 83%
China 70
Singapore 55
Hong kong 41

Protection gap growth rate to grow 4% per annual

Retail credit growth CAGR 18% last 10 yrs,retail indebtedness to spur need for credit life products

Only 1 out of 40 people who can afford buying insurance
Indias pension mkt is under penetrated at 4.8% GDP
Increased life expectancy to lead to avg retirement period of 20 years
60+ population to triple by 2050
Total pension AUM to grow to 47 trillion by 2025
Mandatory schemes to increase coverage for org & unorganized sectors
@HDFCLIFE #insurance #StockMarket #Nifty #stocks

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Tip from the Monkey
Pangolins, September 2019 and PLA are the key to this mystery
Stay Tuned!


1. Yang


2. A jacobin capuchin dangling a flagellin pangolin on a javelin while playing a mandolin and strangling a mannequin on a paladin's palanquin, said Saladin
More to come tomorrow!


3. Yigang Tong
https://t.co/CYtqYorhzH
Archived: https://t.co/ncz5ruwE2W


4. YT Interview
Some bats & pangolins carry viruses related with SARS-CoV-2, found in SE Asia and in Yunnan, & the pangolins carrying SARS-CoV-2 related viruses were smuggled from SE Asia, so there is a possibility that SARS-CoV-2 were coming from
A THREAD ON @SarangSood

Decoded his way of analysis/logics for everyone to easily understand.

Have covered:
1. Analysis of volatility, how to foresee/signs.
2. Workbook
3. When to sell options
4. Diff category of days
5. How movement of option prices tell us what will happen

1. Keeps following volatility super closely.

Makes 7-8 different strategies to give him a sense of what's going on.

Whichever gives highest profit he trades in.


2. Theta falls when market moves.
Falls where market is headed towards not on our original position.


3. If you're an options seller then sell only when volatility is dropping, there is a high probability of you making the right trade and getting profit as a result

He believes in a market operator, if market mover sells volatility Sarang Sir joins him.


4. Theta decay vs Fall in vega

Sell when Vega is falling rather than for theta decay. You won't be trapped and higher probability of making profit.
Tip from the Monkey
Pangolins, September 2019 and PLA are the key to this mystery
Stay Tuned!


1. Yang


2. A jacobin capuchin dangling a flagellin pangolin on a javelin while playing a mandolin and strangling a mannequin on a paladin's palanquin, said Saladin
More to come tomorrow!


3. Yigang Tong
https://t.co/CYtqYorhzH
Archived: https://t.co/ncz5ruwE2W


4. YT Interview
Some bats & pangolins carry viruses related with SARS-CoV-2, found in SE Asia and in Yunnan, & the pangolins carrying SARS-CoV-2 related viruses were smuggled from SE Asia, so there is a possibility that SARS-CoV-2 were coming from