a reliance capital company reliance life insurance company limited a snapshot

A Reliance Capital company

Reliance Life Insurance Company LimitedReliance Life Insurance Company Limited

A SnapshotA Snapshot


4th largest private player in a span of just two years

Amongst the fastest growing Companies for 3 years in a row

1145 branches up from 181 in just over 2 years

Fastest to reach the 4 million policy mark

Sales force of 148000 Advisors and over 20000 employees

Demonstrated Unparalleled Growth


Ranked No 4 in 2008-09 as compared to No 11 in 2005-06

Market Position to No 4 in 2008-09 in terms of Individual Business Premium

Fastest to cross 15 Mn Policy mark in under 2 years amp 4 Mn in 3 years 3rd largest private insurer in terms of policy count in 2008-09

Continuous increase in market share over 3 years from 19 in 2005-06 to 1031 in 2008-09

Always outperforming market in terms of growth 28 as of Marrsquo09 against private player industry growth of 1

112 38 19628740

500

1000

1500

2000

2500

3000

3500

4000

2005-06 2006-07 2007-08 2008-09

0

2

4

6

8

10

12

RLIC Market Share Pvt Industry Growth rate RLIC growth rate

New Business Premium Market Position

Business Performance


1st to launch a mobile based service - lsquo Instant Insurancersquo

1st to launch over the counter policy ndash lsquoExpress Lifersquo

Highest non-medical limits in the industry

1st to set up 600 offices in less than 10 months

1st to achieve 100 claims settlement within 3 days of receipt of complete documents

1st to offer a real-time service request execution feature across customer advisor and third party portals

Game Changers in the Industry


Most comprehensive online service amp sales platform across customer advisor amp third party portals

Offline systems and modules

Real-time amp online company dashboards

Auto Underwriting systems

Convenient and flexible Channel Management Systems

Web-enabled Lead Management System

State of Art Technology


Ensures all internal processes mapped and documented through BPMS process

1st company to be BVQI Certified ISO 90012000 for all processes pan-India

Winner of Reliance Anil Dhirubhai Ambani Grouprsquos Chairmanrsquos Quality Award

Practitioner of Lean Six Sigma Methodology for efficiency and productivity improvements

Quality Focus


Winner of Jamnalal Uchit Vyavahar Puraskar for 2007

Shortlisted by Asia Insurance Award ampNDTV Profit for lsquoLife Insurer of the Yearrsquo

Rated amongst the most web-positive companies by Outlook Money

Rated as lsquomost transparentrsquo in terms of investment disclosures by Outlook Money

Winner of Quality Council of India award for 2008

External Recognition


Organizational Updates

confidentia

l

Organisational Updates


9 of 19confidentia

l

Contents

ADAG Group Updates

Reliance Capital Highlights

RLICBusiness Updates

Zonal Updates


Anil Dhirubhai Ambani Group ndash An Insight Established presence across a wide spectrum of high-growth consumer-facing businesses

1048698 Telecom 1048698 Energy 1048698 Infrastructure1048698 Power1048698 Financial services 1048698 Media and entertainment

We are amongst Indiarsquos top three private sector business houses on all major financial parameters with a market capitalization of

Rs325000 crores

150 Million Customershellip 12 million shareownershelliphellip 130000 employees

Through its products and services the Reliance - ADA Group touches the life of 1 in 10 Indians every single day It has a business presence that extends to over 20000 towns and 45 lakh villages in India and 5 continents across the world

And Still Countinghelliphellip


A peek into the Reliance Capital Group Reliance Capital a constituent of SampP CNX Nifty and MSCI India is a part of

the Reliance Anil Dhirubhai Ambani Group and is one of Indias leading and fastest growing privates sector financial services companies

Reliance Capitalrsquos Business Mix comprises of

Asset Management Mutual Fund Portfolio Management Offshore Fund

Insurance Life Insurance General Insurance

Consumer Finance Mortgages Personal Loans Vehicle Loans Business Loans

Broking and Distribution Stocks Commodities and Derivatives Foreign Exchange and Offshore Investment Third Party Products Over the Counter ServicesOther Businesses Asset Reconstruction Institutional Broking Private Equity

Sam Ghosh CEO Reliance Capital


A peek into the Reliance Capital Grouphellip In a short span of 4 years and even after the sharp general market correction over the

past year we have been ranked amongst the top 3 business houses in India

Even in the Financial Sector we have been ranked amongst the top 3 private sector Indian companies after lClCl and HDFC

We have received the highest credit ratings of lsquoA1rsquo awarded by ICRA

CARE has assigned our long term debt program a rating of lsquoCARE AAArsquo indicating the highest levels of safety

We are Indiarsquos largest Mutual Fund by far One of Indiarsquos top 3 private general insurers One of Indiarsquos top 4 private life insurers One of Indiarsquos leading brokers and distributors of financial products amp services


Reliance Capital Performance Highlights for 2008-09 Our Financial Performance in 2008-09 are

Total Income Of Rs 5976 crore ndash and increase of 22 Net Profit of Rs 1016 crore ndash an increase of 1 Earnings per share of Rs 4135 ndash an increase of 1 Total Assets of Rs 24260 crore ndash an increase of 32

As on 31st March rsquo09 Reliance Capitalrsquos net worth stood at Rs 7491 crore (US$ 15 billion) and total assets of Rs 24260 crore (US$ 48 billion)

It is noteworthy that this growth is purely organic ndash and made entirely in India


RLIC ndash The Year that has gonehellip 2008-09 was a year when the Life

Insurance industry witnessed a 6 decrease of New Business Premium As against this RLIC recorded a new business premium of Rs 3514 an increase of 28

It has maintained its position amongst the top four private sector life insurance companies in India

It is one of the fastest growing life insurance companies with a private sector market share of 103

Mr Malay Ghosh or Malayda as he is fondly called in his office


RLIC ndash The Year that has gonehellip The policyholders funds under management increased to Rs 5895

crores ndash an increase of 65

Total number of policies in force as on 31st March rsquo09 were 3303165 ndash and increase of 128

The distribution network was increased to 1145 branches as against 745 branches

The No of agents was 149613 ndash a decrease of 19 thereby emphasizing on productivity


RLIC ndash The Year that has gonehellip During the year 8 new life insurance policies were launched viz

Reliance Super Invest Assure Plan

Reliance Super Invest Assure Plus Plan

Reliance Guaranteed Return Plan Series I Insurance

Reliance Guaranteed Return Plan Series I Pension

Reliance Group Savings Linked Insurance Plan

Reliance Group Credit Shield Plan

Reliance Imaan Investment Plan

Reliance Savings Linked Insurance Plan


RLIC ndash Quarter I Highlights We are the No 1 Private Insurer in terms of no of policies for June and the First Quarter

For the month of June we are no 3 in terms of New Business Premium as well as WRP In terms of Individual business WRP we are No 2 for the month of June

beating SBI Life to it and No 3 for the Quarter

Group business contributes to 10 of Reliance Life New Business Premium while the contribution is 49 SBI 29 for ICICI and 17 for Bajaj

In terms of growth we have registered a growth of 325 in June09 over June08 and 69 over Q1 2008 in terms of New Business WRP the only one amongst the top 6 players to register a positive growing in Q1 SBI was the only other Insurer with a marginal growth of 09


RLIC ndash Quarter I Highlights This year we have seen a month on month improvement in

performance with June09 growing at 63 over May09 against an Industry growth of 15

Total No of policies sold upto June rsquo09 stands at 406699

Our total New Business Premium figure is 505 Crore and our WRP Achievement till June rsquo09 449 crores

For Agency Central Zone had the highest target Achievement while Indore RO2 region was at the top in terms of target achievement Amongst Branches this honour goes to Nashik 3 Branch

achievement


RLIC ndash Quarter I Highlights In CDA the position of Pride goes to the East

Zone and the top performing regions was Guwahati

For the TPD channel East Zone takes the cake for the highest target

The Employee Benefits Channel has achieved 216 of its targets for this quarter

In Affinity North Zone is the top performing zone and Punjab was the top performing region


Central Zone ndash The year that has gonehellip

bull We take the pride in acclaiming ourselves to be No1 Zone for consecutive 12

months in the Financial year 2008 ndash 09

bullAccolades came our way for being the only Zone with 5 Region in the Top 10 Regions

of the country

bullMust emphasis the fact that the same comprises of 50 of the Top 10 Regions from

Central Zone itself

bullNot only businesshellipnot only Regionshelliphellipwe were No 1 in the country on SM

productivity as well


Central Zone ndash Quarter 1hellip

bull Rise of Vidarbh from last position in FY 08-09 to 3rd in Zone and 12th in India in the month of

June

bull For the first time all the regions of any Zone have Achieved 100 of monthly Target on the

basis of Issuance

bull On ARF Zone was No 1 in May and No 2 in June (Trgt Vs Acht)

bull Indore RO 2 and Raipur have over achieved their quaterly Trgt on Issuance

bull 81 branches have done more than 10 lacs business in June

bull 10 of the sanctioned SMrsquos got promoted wef 1st April


22

The Entire Zone got United with the Spirit

of Appreciating and recognizing the said

and unsaid contribution of each member

of Central Team family And this was

marked with Smiles pats on backs

games music all in all fun and frolic at

work

The Zone welcomed Apoorva Rastogi ndash the new DZHRM

with zeal and utmost faith for his contribution to facilitate

Central Zone attain mind boggling and spectacular

results

Central Zone ndash Human Resources Updates


23

INDEPENDENCE DAY CELEBRATION

SNO ACTIVITY MOTIVATION

1 FLAG HOISTING

All the branches will take Pride in celebration of our

Independence day by hoisting National Flag at the same

Hours

To Salute with

entire Zone

United

2 BRANCH DECORATION

All the branches will be decorated with Tri- Colour and

snaps sent to Zonal Office for preparation of Zonal Team

Collage

To construct a

team collage

3 CONTEST FOR PRACTICAL LEARNINGS FROM

INDEPENDENCE HEROS

Launching a contest for branches and respective teams to

come up with ideas for practical implementation of

preachings slogans ideologies of freedom fighters that

can be implemented for increasing the effectiveness and

efficiency of processes for day to day activity of the branch

Best three Ideas

will be

recognized and

instruments

designed for

implementation


Whats Nexthellip


Thank YouThank You


4th largest private player in a span of just two years

Amongst the fastest growing Companies for 3 years in a row

1145 branches up from 181 in just over 2 years

Fastest to reach the 4 million policy mark

Sales force of 148000 Advisors and over 20000 employees

Demonstrated Unparalleled Growth







112 38 19628740

500

1000

1500

2000

2500

3000

3500

4000

2005-06 2006-07 2007-08 2008-09

0

2

4

6

8

10

12

























Quality Focus










confidentia

l



9 of 19confidentia

l

Contents

ADAG Group Updates



Zonal Updates





Rs325000 crores



























































achievement












of the country


Central Zone itself






June


basis of Issuance






22







work




results



23



1 FLAG HOISTING



Hours

To Salute with

entire Zone

United

2 BRANCH DECORATION



Collage

To construct a

team collage


INDEPENDENCE HEROS






Best three Ideas

will be

recognized and

instruments

designed for

implementation


Whats Nexthellip


Thank YouThank You







112 38 19628740

500

1000

1500

2000

2500

3000

3500

4000

2005-06 2006-07 2007-08 2008-09

0

2

4

6

8

10

12

























Quality Focus










confidentia

l



9 of 19confidentia

l

Contents

ADAG Group Updates



Zonal Updates





Rs325000 crores



























































achievement












of the country


Central Zone itself






June


basis of Issuance






22







work




results



23



1 FLAG HOISTING



Hours

To Salute with

entire Zone

United

2 BRANCH DECORATION



Collage

To construct a

team collage


INDEPENDENCE HEROS






Best three Ideas

will be

recognized and

instruments

designed for

implementation


Whats Nexthellip


Thank YouThank You






















Quality Focus










confidentia

l



9 of 19confidentia

l

Contents

ADAG Group Updates



Zonal Updates





Rs325000 crores



























































achievement












of the country


Central Zone itself






June


basis of Issuance






22







work




results



23



1 FLAG HOISTING



Hours

To Salute with

entire Zone

United

2 BRANCH DECORATION



Collage

To construct a

team collage


INDEPENDENCE HEROS






Best three Ideas

will be

recognized and

instruments

designed for

implementation


Whats Nexthellip


Thank YouThank You










confidentia

l



9 of 19confidentia

l

Contents

ADAG Group Updates



Zonal Updates





Rs325000 crores



























































achievement












of the country


Central Zone itself






June


basis of Issuance






22







work




results



23



1 FLAG HOISTING



Hours

To Salute with

entire Zone

United

2 BRANCH DECORATION



Collage

To construct a

team collage


INDEPENDENCE HEROS






Best three Ideas

will be

recognized and

instruments

designed for

implementation


Whats Nexthellip


Thank YouThank You


9 of 19confidentia

l

Contents

ADAG Group Updates



Zonal Updates





Rs325000 crores



























































achievement












of the country


Central Zone itself






June


basis of Issuance






22







work




results



23



1 FLAG HOISTING



Hours

To Salute with

entire Zone

United

2 BRANCH DECORATION



Collage

To construct a

team collage


INDEPENDENCE HEROS






Best three Ideas

will be

recognized and

instruments

designed for

implementation


Whats Nexthellip


Thank YouThank You





Rs325000 crores



























































achievement












of the country


Central Zone itself






June


basis of Issuance






22







work




results



23



1 FLAG HOISTING



Hours

To Salute with

entire Zone

United

2 BRANCH DECORATION



Collage

To construct a

team collage


INDEPENDENCE HEROS






Best three Ideas

will be

recognized and

instruments

designed for

implementation


Whats Nexthellip


Thank YouThank You
























































achievement












of the country


Central Zone itself






June


basis of Issuance






22







work




results



23



1 FLAG HOISTING



Hours

To Salute with

entire Zone

United

2 BRANCH DECORATION



Collage

To construct a

team collage


INDEPENDENCE HEROS






Best three Ideas

will be

recognized and

instruments

designed for

implementation


Whats Nexthellip


Thank YouThank You












of the country


Central Zone itself






June


basis of Issuance






22







work




results



23



1 FLAG HOISTING



Hours

To Salute with

entire Zone

United

2 BRANCH DECORATION



Collage

To construct a

team collage


INDEPENDENCE HEROS






Best three Ideas

will be

recognized and

instruments

designed for

implementation


Whats Nexthellip


Thank YouThank You




June


basis of Issuance






22







work




results



23



1 FLAG HOISTING



Hours

To Salute with

entire Zone

United

2 BRANCH DECORATION



Collage

To construct a

team collage


INDEPENDENCE HEROS






Best three Ideas

will be

recognized and

instruments

designed for

implementation


Whats Nexthellip


Thank YouThank You


22







work




results



23



1 FLAG HOISTING



Hours

To Salute with

entire Zone

United

2 BRANCH DECORATION



Collage

To construct a

team collage


INDEPENDENCE HEROS






Best three Ideas

will be

recognized and

instruments

designed for

implementation


Whats Nexthellip


Thank YouThank You


23



1 FLAG HOISTING



Hours

To Salute with

entire Zone

United

2 BRANCH DECORATION



Collage

To construct a

team collage


INDEPENDENCE HEROS






Best three Ideas

will be

recognized and

instruments

designed for

implementation


Whats Nexthellip


Thank YouThank You


Thank YouThank You

a reliance capital company reliance life insurance company limited a snapshot

Documents

industry slide

snapshot slide

unparalleled growth

business performance

external recognition

terms of growth

private player industry

terms of policy count