Allianz exit from JV creates strategic uncertainty
Allianz has informed Bajaj of its decision to exit the joint venture; management provided no further details, creating uncertainty around future ownership and operations.
BAJAJFINSV / Q2-FY25 / risks
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Material risks this quarter
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VNB margin compression from ULIP mix and regulatory changes
VNB margins fell 3.8pp YoY to 9.2% due to higher ULIP sales; new surrender value norms may further pressure margins.
Motor TP price hike delay hurting growth
No TP price hike for three years has led to underwriting losses; management has reduced exposure, capping motor growth.
Retail health profitability under pressure
Medical inflation and hospital fraud are squeezing margins; management is cautious on growth in this segment.