Presenter notesA claim to a decision — the SciKIQ storywaiting for the audience window…00:00of 12:00
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Act 1
Step 1 of 14 · Finance 360
the problem — 112% combined ratio is an underwriting loss
Do
Point at the KPI strip: combined ratio 112%, PAT ₹93.86 Cr, loss ratio 79% — then the P&L walk below.
Say
“GWP grew 11% to ₹5,548 Cr — and we lost money underwriting it. Combined ratio 112%. PAT is positive only because ₹598 Cr of investment income covers the hole. Growth is not the problem. Leakage inside claims is.”
up next: Point at the segment split: Group Health at 110% ICR against Retail at 93%.