Please find enclosed Environmental Social and Governance Report for FY2026.

ICICI Lombard has released its seventh ESG Report for FY2026, marking 25 years of operations. The company reported Gross Direct Premium Income of ₹287.12 billion, up 7% from ₹268.33 billion in FY2025, with a market share of 8.5%. The Return on Average Equity stood at 17.8%, down from 19.1% in FY2025. On the environmental front, renewable electricity usage increased to 41.2%, while GHG emissions per headcount reduced to 0.36 MTCO2e. The company covered 57.6 million lives including 15.1 million in the social sector, and maintained a strong solvency ratio of 2.67x against the regulatory minimum of 1.50x. In social initiatives, CSR spend increased to ₹516.71 million from ₹404.2 million, female workforce representation rose to 27.6%, and 567,215 training hours were delivered to employees. The company issued 99.6% of policies digitally and achieved a Claims Net Promoter Score of 71.