Bajajfinsv · Analyst questions, management answers, and the quality of the response where the ledger is available.
ConCallIQ research layer
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Questions audited
11
Answered directly
36%
Numeric claims
1
Consistency
contradicted
Question ledger
Swarnabha Mukherjee · B&K Securities
partialSee, at Bajaj Allianz, our philosophy has been very clear from day zero. Wherever we see opportunity to grow, we grow that, you know? And if you look at retail lines of business, we're still the one of the large players in the Indian market. If the opportunity does not seem as per our pricing or as per our comfort of combined ratio, then we slow down because it's cyclic in nature.
Swarnabha Mukherjee · B&K Securities
partialThe 37th month, it's, you, correctly pointed out, has been lower. It's, it's a fact which is visible. This is a continuation of one specific bucket of one specific partner with a significant share yet in the business, where, that bucket has, not really performed as, as the way we would have, rather have it perform.
Swarnabha Mukherjee · B&K Securities
declinedI think, as you know, on the VNB margins or combined ratios, we do not give guidance, particularly in insurance, where, you know, nobody can predict when catastrophes will happen or what kind of yield curve movements will happen.
Madhukar Ladha · Nuvama Wealth
directYeah, you're absolutely right that the reserve releases are more in the recent years. And that's what naturally happens. If you look at the TP claims, the way it work, most of the claims reporting happens in the four-year period. And that's why if you see that the entire development is almost done in four to five years.
Madhukar Ladha · Nuvama Wealth
declinedAs a matter of speculation, we'll wait to see more hard action from the regulator. We do not comment on the...
Madhukar Ladha · Nuvama Wealth
declinedWe don't give micro breakups, no, because that's part of our business strategy.
Supratim Datta · Ambit Capital
partialSo a lot of impact that you see is post-COVID, the drop in frequency, which actually happened there, and that's why you see this impact coming in currently. But more or less, the impact of that is getting over, and in the future there would be no requirement of a price hike, is what the industry feels, and is represented also to the regulator.
Nischint Chawathe · Kotak Institutional Equities
evasiveObviously, our ambition has always been to be a good underwriting company, and that has been reflecting our Combined Ratio over years now, I can say. It's not about one or two years. I think if you take it back to 10, 15 years, we have had one of the best Combined Ratios of the industry. That's the philosophy of the company.
Sanket Godha · Avendus Spark
directLast year, FY 2023, it was 25%. This year it is 23%. In Q4, we grew the company at 17%, Axis grew by 14%, so lower than the company.
Sanket Godha · Avendus Spark
evasiveIf the price is not right, as I said, I'm very happy to let go of my market share in crop. If the price is right, I'll gain. So I can only... It's a tender business, no? So the next tender, it depends on how the pricing goes, and that's how it will be, no?
Sanket Godha · Avendus Spark
evasiveSome dated, [audio distortion].
Nidhesh Jain · Investec
partialI think, I would generally say across segments, our margins has been largely getting better. We don't specifically talk about segmental margins, but on an overall basis, I would say across segments, we are seeing stable to improving margins.
