Pick a scenario or pull the levers — see PAT, combined ratio, cash, solvency buffer and a modeled equity value move in real time for Generali Central, then stress-test it with AI.
Cutting the loss ratio saves on earned premium → combined ratio & PAT · new / bancassurance premium at ~7% underwriting margin, 60% retained · faster premium collection is one-time cash into free surplus · value = net worth + PAT × the chosen multiple (illustrative — private/unlisted). Illustrative model on real FY25 baseline figures.
Ranked by post-tax PAT contribution — the top bar is the biggest lever in this scenario. (Faster collection shows as cash, not PAT.)
| Metric | Today | Scenario | Δ | |
|---|---|---|---|---|
| GWP | ₹5.55k Cr | → | ₹5.65k Cr | |
| PAT | ₹94 Cr | → | ₹176 Cr | +₹82 Cr |
| Combined ratio | 112.0% | → | 109.5% | -2.5pt |
| Loss ratio | 79.0% | → | 77.0% | -2.0pt |
| Net earned premium | ₹3.75k Cr | → | ₹3.81k Cr | 66% retention |
| Solvency | 1.96x | → | 2.08x | +0.12x |
| Modeled value | ₹2.96k Cr | → | ₹4.20k Cr | +₹1.23k Cr |