ICICI Lombard General Insurance Company earnings calls.

ICICI Lombard reported a strong Q3 FY26 with GDPI growth of 13.3%Current reported value: 13.3%. No comparable prior figure is available in the source record. YoY, outperforming the industry's 11.5%, driven by robust retail health (up 85.8%Current 85.8%. Reported change: +85.8% YoY.) and motor (up 9.3%Current reported value: 9.3%. No comparable prior figure is available in the source record.) segments. The retail health market share rose to 4.5%Current reported value: 4.5%. No comparable prior figure is available in the source record. from 3.2% a year ago, fueled by GST exemption tailwinds and new-to-industry customer growth of 1.7x. Motor growth rebounded to 9.3% in Q3 from 2.2% in H1, supported by festive demand and broad-based vehicle sales. The combined ratio on an N basis improved to 103.1% (Q3 FY26) from 102.3% (Q3 FY25), excluding a one-time wage code impact of ₹55 crore. Management expects to sustain 100-200 bps growth outperformance vs industry and maintain ROE in the 18-20% range. Key risk: sustained competitive intensity in motor could pressure pricing and margins.