We expect ROE trajectory to stay around 16% to 18%: Gopal Balachandran, ICICI Lombard

I think if you look at as a company, ICICI Lombard has got a market share of 8.2% but if you look at maybe the retail health space, particularly in the indemnity side, we would possibly have a market share of maybe 3%. And that is clearly the opportunity that one sees.