UNIVERSAL SOMPO GENERAL INSURANCE CO LTD

COMPANY PROFILE

04/19/23 1Universal Sompo General Insurance Co Ltd

◆ Name 　：　 Universal Sompo General Insurance Company Ltd. (USGI)

◆Registered ： 310-311, Trade Centre, Opp. MTNL Bldg, Bandra Kurla Address 　 　　 Complex. Bandra(East), Mumbai - 400051

◆Capital 　：　 Rs. 235 crores ◆ Directors 　：　 Executive Chairman Mr O.N. Singh Managing Director Mr Koichi Hattori

◆ Incorporated: 5th January 2007

◆Business 　： General Insurance in India including reinsurance

◆ Shareholders　 Allahabad Bank (National) 　　 　 30 ％　 Indian Overseas Bank (National) 19 ％ Karnataka Bank (Private) 　 　　 15 ％　 Dabur Investment 　 　　 　 10 ％　 Sompo Japan Inc 　　　　 　　 26 ％

◆ Name 　：　 Universal Sompo General Insurance Company Ltd. (USGI)

◆Registered ： 310-311, Trade Centre, Opp. MTNL Bldg, Bandra Kurla Address 　 　　 Complex. Bandra(East), Mumbai - 400051

◆Capital 　：　 Rs. 235 crores ◆ Directors 　：　 Executive Chairman Mr O.N. Singh Managing Director Mr Koichi Hattori

◆ Incorporated: 5th January 2007

◆Business 　： General Insurance in India including reinsurance

◆ Shareholders　 Allahabad Bank (National) 　　 　 30 ％　 Indian Overseas Bank (National) 19 ％ Karnataka Bank (Private) 　 　　 15 ％　 Dabur Investment 　 　　 　 10 ％　 Sompo Japan Inc 　　　　 　　 26 ％

Profile

Mumbai

MangaloreChennai

Kolkata

04/19/23 2Universal Sompo General Insurance Co Ltd

Delhi

Dabur (10%)

KarnatakaBank (15%)

IOB (19%)

Sompo Japan (26%)

AllahabadBank (30%)

Universal Sompo

Shareholding Pattern

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Dabur Investment share 10%, 4th largest FMCG in India with 1.5 million retail outlets.

Banks Allahabad Bank

Indian OverseasBank

KarnatakaBank

Status Public Sector Public Sector Private Sector

Asset 97,648 Cr. 1,21,020 Cr. 22,857 Cr.

Ranking 14 08 41

Head office Kolkata Chennai Mangalore

Branches 2278 2005 447

Equity Stake 30% 19% 15%

Profile of our Bank Partners

As on 31st March 2009

・Mangalore

Indian Overseas

Bank

Allahabad Bank

Kolkata

Chennai

Delhi

Hyderabad

Mumbai

Bangalore

KarnatakaBank

Bhopal

Dabur

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Sr. No Branch Office1 Mumbai 1 - Andheri2 Mumbai 2 - Vashi3 Mumbai HO4 Bhopal5 Indore6 Pune7 Baroda8 Raipur9 Surat

10 Ahmedabad11 Kolkata12 Bhubhaneshwar13 Patna14 Chennai15 Banglore16 Hyderabad17 Coimbatore18 Kochi19 Gurgaon20 Chandigarh21 Jaipur22 Lucknow23 Dehradun24 Varanasi25 Ludhiana26 Delhi27 Haldwani28 Kota29 Nagpur30 South Mumbai31 Vijaywada32 Vizag/Vishakhapatnam33 Noida34 Panjim35 Jalandhar36 Magalore37 Jamshedpur38 Ranchi39 Kanpur40 Angul

Branch OfficeUpto 30th September 09

Regional Office

12 Branch Offices to open Before31st Mar 10

107

2

34

629

18 17

36

1514

31

32

16

12

40

21

28

25

20

35

19 26

33

39

54

8

24 13

23

22

37

3811

HO

USGI - Regional & Branch Network & the Future Plans

1

9

30

Why choose Universal Sompo ?

• Strong lineage of financial giants with proven track record. Only company in the country with public / private partnership

• Pan India distribution and servicing capability

• World class services and products

• Competitive prices

• Simple worded, easy to understand policy documents, terms and conditions

04/19/23USGI & Dabur India Business Proposal 2009

- 2010 6

Our Existing Clientele

Airports Authority of India Amity International Aparnaa Sarees Bridgestone India Bhushan Steel Limited Bush Foods Overseas Cabcon India Canon India Pvt Ltd Dabur India DOW Chemical Euronet Services India Groz Engineering Health Education Society Hitachi Group Honda Siel Cars India Planet M Monnet Ispat & Energy Ltd Neo Metallics Orient Jaquar

Jindal Steel & Power Ltd Manali Petrochemicals Mizuho Corporate Bank Minda Furukawa Electric Noritsu Koki NSK - ABC Bearings PSL Limited ( Punj House Group) Renault Nissan Technology RIIMS Suzuki Motor Cycle India Pvt Ltd YKK India Yutaka Autoparts India Reliance Industries Ltd JSL Ltd Himadri Chemicals ANE Industries Webel SL Energy Systems Ltd

Bancassurance – Growth Story• Existing Tie-Ups

– Indian Overseas Bank– Allahabad Bank– Karnataka Bank– Lucknow Kshetriya Grammin Bank– Triveni Kshetriya Grammin Bank– Sharda KGB– MP APEX Bank– Rajasthan State Co-Operative Banks– Rajasthan Finance Corporation– Jhalawar Sahakari Land Development Bank

• In Pipeline– Pandiyan KGB, Nilanchal KGB, Survodaya Co-Op Bank. Mumbai Distt Co-

Op Bank• We are in talks with other 50 SCB’s and 1 Major PSU Bank for Corporate

Tie-Up04/19/23 Universal Sompo General Insurance Co Ltd 8

RETAIL MARKETING - PERFORMANCE (FY 09-10 )

• Agency– A Team of more than 317 active Agents and 200 under training.

• Motor Dealer– Tie up with around 578 Motor Dealers(Which includes all

Brands/models available in the country) PAN India – Out of which 418 are already active & contributing sound premium, other under initial process of the tie-ups

• Auto Manufacturer Tie-Up– In addition we have PAN India manufacturing Tie-Up with Honda

Siel Cars India Pvt Ltd and are in advanced stages to tie-up with 2 Major Japanese Auto Manufacturers PAN India.

• Marketing Executives – An effective team of around 278 ME’s PAN India selling and

promoting USGI Products.

04/19/23 Universal Sompo General Insurance Co Ltd 9

All Customers:• 24×7 Toll free• Web enabled service platform – customer guidance, product

brochures, claim forms, process, dos and donts, FAQs• Cashless claims settlement – motor, health, SME• Pan India network of service providers – surveyors and TPA• Managed care partners – quality screened repair workshops,

hospitals, builders, plumbers, white goods dealers• Minimal documentation, easy processes• Value added services – road side assistance, valet service

(motor claim), self-attested documents, health check-up• Information over SMS – surveyor deputation, claim approval,

policy renewal

Our Services I

Our Services II

Corporate Clients• Dedicated Account Manager • Direct access to senior management team at the

Regional and Corporate Office• Risk Inspection, portfolio advisory services,

Business Continuity Planning• MOU with pre-agreed service standards• Facility for eMarine, eTravel and eMotor • Panel of surveyors and pre agreed documentation• On-account payment in case of large losses• Post loss Advice on loss prevention & minimization• Employee education and awareness programs

Response Time• 3 rings for phone pick-up• 3 hours for returning phone call• 1 working day for written communication

Policy Issuance• 5 days of receipt of complete information• 3 working days for endorsements, refunds,

cancellations

Complaints• Revert within 1 working day• Resolution within 3-7 working days

Our Service Standards l

Claims Service Standards

ACTION STANDARD

Claim Intimation Call Center 24x7

Push SMS Facility

Surveyors Surveyor Network covering Pan India

Survey Intimation Before 1 PM - Same day

Intimation After 1 PM - Next day

On Account Payment for Major losses 40% of assessed liability in 4 Days

Settlement of Claim 4 Days from submission of final docs

Emergency assistance Road assistance in an event of accident

04/19/23 Universal Sompo General Insurance Co Ltd

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2011-2011-1212

March March 20102010

INR 49 Crores GWP Achieved

Allahabad Bank tie-up starts

2010-2010-1111

IOB Tie up starts

Capture 1% market share

Capture1.5% share

Motor Dealer Tie up Model Starts

Launch of OTC products

Nov 2008Nov 2008

MarchMarch 2009 2009

Focus on Bancassurance

17 offices pan IndiaInfrastructure Building

Stepping Up Retail Lines(Motor & Health)

Front Office Motor/Travel Solution

Dec 2008Dec 2008

Karnataka Bank Tie up Starts

Jan 2009Jan 2009

AprilApril 2009 2009

USGI Growth Story & the Road Ahead

THANK YOU

04/19/23 Universal Sompo General Insurance Co Ltd 15