Canara HSBC Life Insurance Company Q2 FY27 investor presentation: Revenue & Margins

- **Profit After Tax (PAT) for H1 FY27:** ₹712 million, up 11% year-on-year from ₹642 million in H1 FY26 (Page 28, Page 4). - **Operating margin (Operating RoEV):** 19.8% for H1 FY27, increased from 17.4% in H1 FY26, a 16% improvement year-on-year (Pages 14, 28, 4). - **EBITDA:** The presentation does not explicitly provide EBITDA figures. - **Margin Outlook:** No explicit margin outlook is stated in the presentation. The focus is on continued profitable growth with improving VNB margin (21.3% in H1 FY27 vs. 19.6% in H1 FY26), and operational efficiency (Total Expense Ratio increased slightly to 20.5% from 19.0%) (Pages 13, 28, 4). The reported metrics emphasize steady profit growth and improving operating return on embedded value without a formal margin guidance.

The investor presentation does not explicitly mention any fundraising through debt or equity, nor does it state any changes in borrowings or net debt. Key points: - No references to debt or equity fundraising activities are found in the provided pages. - The presentation discusses asset composition and growth in assets under management (Page 12), but this pertains to investment assets, not borrowings. - Financial risk management section (Page 31) covers hedging and ALM risk but does not disclose borrowing changes or new debt issuance.