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LOMBARD GENERAL INSURANCE COMPANY LIMITEDMain BoardEquityNon-Linked Policy2025-04-012026-03-312026-01-132025-12-23INRLakhsQuarterlyThird quarter2026-01-1315:00:002026-01-1317:25:00Declaration of unmodified opinionfalsefalseNot Applicable2025-10-012025-12-31AuditedStandalone743298000005963480000056853000000909010000015840000066101500000134310000001343100000046357000003282000000791770000003427750000047644000003904190000060390600000-353760000000571090000057109000000571090000031043000004000008815600000154500000-3640000001181000008697500000086975000002109900000658760000065000007654900000083136600000498040000015691050000010118400000155563200000427391800000582955000000-4109279000001720271000000.02690.35450.68670.80231.044713.2513.2500002090002000002424941470.4869000001. We have mentioned NSE Symbol as "ICICI" instead of "ICICIGI" as by mentioning ICICIGI the sheet was not validating. <BR> 2. ICICI Lombard is General Insurance Company and hence type of insurance viz. “Linked and Non-Linked Policy” would not be applicable. However, in order to validate the sheet we have selected type of insurance as “Non-Linked Policy” <BR> <BR> 1(ii). Net of reinsurance (Including Excess of Loss Reinsurance). <BR> 1(iv). Including capital gains, net of amortisation and losses. <BR> 2(i) & (ii). Commission is net of commission received on reinsurance cession. <BR> 8(a). Dividend is recognised in the period it is approved as prescribed by MCA. <BR> <BR> Analytical ratios have been calculated as per definition given in IRDAI analytical ratios disclosures. <BR> Analytical ratios (i):- The Solvency has been computed at the last day of the period. <BR> Analytical ratios (ii):- The Expenses of Management has been computed on the basis of Gross Direct Premium <BR> Analytical ratios (v):- The Ratio has been computed at the last day of the period. <BR> Analytical ratios (vi) & (viii):- Not annualised <BR> Analytical ratios (viii):- Excludes unrealised gains or losses on real estate and unlisted equity <BR> Analytical ratios (viii):- Yield on investments with unrealised gains is computed using the modified Dietz method <BR> Analytical ratios (viii)(a):- The computation is based on time weighted average book value. <BR> <BR> Analytical ratios (vi)(a)&(b):- Earnings Per Share <BR> Basic: Rs. 13.25 Diluted: Rs. 13.14 (Current Quarter) <BR> Basic: Rs. 44.78 Diluted: Rs. 44.36 (Year To Date) <BR> <BR> Solvency ratio are in times and other ratios mentioned below are in % <BR> Analytical Ratios Current Quarter Year to date <BR> (i) Solvency ratio 2.69 2.69 <BR> (ii) Expenses of management ratio 35.4% 31.6% <BR> (iii) Incurred Claim Ratio 68.7% 71.2% <BR> (iv) Net retention ratio 80.2% 74.9% <BR> (v) Combined ratio 104.5% 104.2% <BR> 2025-04-012025-12-31AuditedStandalone2254439000001688704000001647304000002750680000052460000019276180000032966200000329662000001303720000096929000002273010000009616460000021122100000117286700000172983000000-8252600000001977880000019778800000019778800000945920000094100000293321000005180000009400000-602600000-752000002940730000002940730000071535000002225380000065000070000060882800000831366000000.02690.31610.7120.74911.041844.7844.7800006740006160000.4869000000Other income158400000Other income524600000Other operating expenses3282000000Other operating expenses9692900000Other income400000Other income941000001850100000553000000-103000001613600000138000000180000000055132000003984000005400000161218000009303000005530000021300000-34000000280421000006407700000129000000366400000747000002000002770700000500700000-23000000Crop55380000090700000050882000001652000000-124000004632700000419000000800000000150597000001148000000140000004588800000030876000001891000005440000029000001000008207630000019144400000360100000100960000023460000070000081170000001556100000-30300000Crop28085000002622000002500000000000000Crop0000000000Crop01311400000-3085000000-863100000-195100000-800000-408430000036400000480600000Crop858000002896600000-10720000000-2071300000-219490000062000000-5861900000145400000374100000Crop-5306000001854100000-1687000000-459600000790500000-39000002452400000111400000958300000Crop1764000004536200000-6522000000-909500000108170000065200000136428000003806000001899900000Crop-2659000004631900000197460000001186860000028404500000397000005646010000025535000007962900000Crop4060000033904200000114537000000533610000018635100000402000000219419500000119330000041142700000Crop175219000001. The above audited financial results of the ICICI Lombard General Insurance Company Limited (the Company) for the quarter and year to date ended December 31, 2025 were reviewed and recommended by the Audit Committee and subsequently approved by the Board of Directors at its Meeting held on January 13, 2026. <BR> <BR> 2. The above audited financial results were audited by the joint statutory auditors, Walker Chandiok & Co LLP, Chartered Accountants and PKF Sridhar & Santhanam LLP, Chartered Accountants who have issued an unmodified opinion on these financial results. <BR> <BR> 3. During the quarter and year to date ended December 31, 2025, the Company has allotted 579,206 equity shares and 2,318,348 equity shares respectively of face value of Rs. 10 each pursuant to exercise of employee stock options and employee stock units granted. (For the quarter ended September 30, 2025, 829,451 equity shares were alloted, for the quarter and year to date ended December 31, 2024, 542,239 equity shares and 2,549,167 shares respectively alloted and for the year ended March 31, 2025, 3,041,182 equity shares allotted of face value of Rs. 10 each). <BR> <BR> 4. The Board of Directors has declared an interim dividend of Rs. 6.50 per equity share of face value of Rs. 10 each at its meeting held on October 14, 2025, which is accounted for and paid during the quarter ended December 31, 2025 <BR> <BR> 5. Pursuant to the notification of the 4 new Labour Codes by the Government of India viz the Code on Wages, 2019, the Code on Social Security, 2020, the Industrial Relations Code, 2020, and the Occupational Safety, Health and Working Conditions Code, 2020 (collectively referred to as the “New Labour Codes”) with effect from 21 November 2025, and pending issuance of the detailed Rules, the Company has reassessed its employee benefit obligations based on the revised definition of wages and expanded eligibility criteria under the New Labour Codes. Based on actuarial valuation and management’s best estimates, the Company recognised an incremental gratuity expense of Rs. 5,306 lakhs as past service cost during the quarter and nine months ended 31 December 2025, resulting in a corresponding reduction in profit and increase in gratuity obligation. As at 31 December 2025, unrecognised past service cost in respect of gratuity obligation amounts to Rs. 1,693 lakhs. The impact on other employee benefit obligations is not material, and the Company continues to monitor developments and will review its estimates as further clarifications and Rules are notified. <BR> <BR> 6. Figures of the previous period have been re-grouped wherever necessary, to conform to the current year presentation. <BR> <BR> 7. In view of the seasonality of Industry, the financial results for the quarters are not indicative of full year's expected performance. <BR> <BR> 8. In accordance with requirements of IRDAI circular no. IRDAI/F&A/CIR/MISC/256/09/2021 dated September 30, 2021 on Public Disclosures by Insurers, the Company will publish the financials results on the company's website latest by January 28, 2026. <BR> AuditedtruePKF Sridhar & Santhanam LLPtrue2028-10-31Walker Chandiok & Co LLPtrue2028-05-31