| S.N |
Particular |
Indicators |
Fiscal Year |
|
|
|
|
| |
|
|
2079/80 |
2078/79 |
2077/78 |
2076/77 |
2075/76 |
| 1 |
Net worth |
NPR |
2,657,461,190.08 |
2,380,722,359.00 |
2,200,394,452.00 |
1,975,358,553.00 |
1,849,452,766.00 |
| 2 |
Number of Shares |
No.s |
13,761,222.60 |
12,897,116.00 |
11,619,023.28 |
10,562,748.44 |
10,050,759.00 |
| 3 |
Book value per shares |
NPR |
193.11 |
185.00 |
189.00 |
184.00 |
211.00 |
| 4 |
Net Profit |
NPR |
225,046,535.07 |
186,125,748.00 |
223,514,216.00 |
258,442,350.00 |
257,418,053.00 |
| 5 |
Earning per Shares (EPS) |
NPR |
16.35 |
14.00 |
19.00 |
24.00 |
24.00 |
| 6 |
Dividend per Shares (DPS) |
NPR |
5.00 |
7.05 |
11.58 |
10.53 |
16.32 |
| 7 |
Market Price per Shares (MPPS) |
NPR |
747.00 |
428.00 |
960.00 |
493.00 |
364.00 |
| 8 |
Price Earning Ratio (PE Ratio) |
Ratio |
45.68 |
30.00 |
50.00 |
20.00 |
15.20 |
| 9 |
Change in Equity |
% |
11.62% |
8.20% |
11.39% |
6.81% |
27.15% |
| 10 |
Return on Equity |
% |
8.47% |
14.00% |
19.00% |
26.00% |
35.00% |
| 11 |
Capital to Total Net Assets Ratio |
% |
28.09% |
29.71% |
27.58% |
30.69% |
35.18% |
| 12 |
Capital to Technical Reserve Ratio |
% |
86.02% |
74.99% |
65.95% |
94.43% |
126.24% |
| 13 |
Affiliate Ratio |
% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
| 14 |
Net Premium Growth Rate |
% |
10% |
1% |
-5% |
10% |
18% |
| 15 |
Net Insurance Premium/ Gross Insurance Premium |
|
|
|
|
|
|
| 16 |
Reinsurance Commission Income/ Gross Reinsurance Premium |
% |
20% |
15% |
18% |
21% |
38% |
| 17 |
Gross Premium Revenue/ Equity |
% |
59% |
1% |
1% |
1% |
1% |
| 18 |
Net Premium Revenue/ Equity |
% |
21% |
22% |
23% |
28% |
32% |
| 19 |
Gross Insurance Premium/Total Assets |
% |
31% |
32% |
34% |
37% |
37% |
| 20 |
Return on Investments |
% |
5% |
5% |
5% |
6% |
6% |
| 21 |
Net Profit/ Gross Insurance Premium |
% |
14% |
13% |
15% |
25% |
27% |
| 22 |
Reinsurance Ratio |
% |
67% |
67% |
57% |
70% |
50% |
| 23 |
Management expenses/ Gross Insurance Premium |
% |
17% |
16% |
13% |
20% |
18% |
| 24 |
Agent Related Expenses/ Gross Insurance Premium |
% |
2% |
2% |
2% |
3% |
2% |
| 25 |
Agent Related Expenses/Management Expenses |
% |
0% |
|
|
|
|
| 26 |
Employee Expenses/ Management Expenses |
% |
79% |
62% |
70% |
63% |
82% |
| 27 |
Employee Expenses/ Number of Employees |
Amt. |
1,032,915.74 |
584,648.00 |
646,825.00 |
774,276.00 |
802,953.00 |
| 28 |
Expense Ratio (Underwriting Expense/Net Written Premium) |
% |
52% |
6% |
7% |
6% |
52% |
| 29 |
Commission Ratio (Commission Expense/Net Written Premium) |
% |
6% |
54% |
48% |
44% |
41% |
| 30 |
Loss Ratio {(Claim Paid + change in reserve)/ (Net Written Premium)} |
% |
16% |
48% |
42% |
37% |
36% |
| 31 |
Combined Ratio (Loss Ratio + Expense Ratio)’ |
% |
34% |
54% |
48% |
44% |
41% |
| 32 |
Increment in Investment Held |
% |
34.11% |
4.92% |
5.27% |
5.93% |
5.28% |
| 33 |
Return on Assets |
% |
4.47% |
5.00% |
4.00% |
7.00% |
9.00% |
| 34 |
Long term Investments/Total Investments |
% |
28.20% |
28.15% |
29.45% |
29.90% |
30.00% |
| 35 |
Short term Investments/Total Investments |
% |
71.80% |
69.05% |
70.55% |
70.10% |
70.00% |
| 36 |
Total Investment & Loan/Gross Insurance Contract Liabilities |
% |
119.99% |
83.00% |
73.00% |
81.00% |
88.00% |
| 37 |
Investment in Unlisted Shares and Debtors/ Total Net Assets |
% |
2.79% |
4.79% |
11.24% |
10.56% |
9.36% |
| 38 |
Investment in Shares/ Total Net Assets |
% |
8.93% |
21.00% |
23.00% |
21.00% |
21.00% |
| 39 |
Liquidity Ratio |
% |
9.64% |
24.00% |
52.00% |
24.00% |
35.00% |
| 40 |
Solvency Margin |
% |
1.94% |
1.73% |
2.27% |
1.55% |
1.54% |
| 41 |
Increment in Gross Insurance Contract Liabilities |
% |
-7% |
3% |
58% |
40% |
16% |
| 42 |
Net Technical Reserve/ Average of Net Claim Paid for Last 3 Years |
% |
-53% |
46% |
37% |
29% |
36% |
| 43 |
Actuarial Provision |
Amt. |
102,398,324.00 |
83,201,225.00 |
62,074,550.00 |
61,250,745.00 |
48,670,495.00 |
| 44 |
Technical Provisions/ Total Equity |
% |
4% |
3% |
3% |
3% |
3% |
| 45 |
Insurance Debt/ Total Equity |
% |
37% |
2% |
3% |
5% |
1% |
| 46 |
Outstanding Claim/ Claim Intimated |
% |
41% |
38% |
38% |
29% |
37% |
| 47 |
No. of Outstanding Claim/ No. of Intimated Claim |
% |
10% |
14% |
48% |
61% |
57% |
| 48 |
Total Number of Inforce Policies |
No.s |
180,630.00 |
120,455.00 |
96,267.00 |
72,100.00 |
86,243.00 |
| 49 |
Number of Renewed Policy/ Last Year’s Total Number of In Force Policies |
% |
27% |
30% |
23% |
22% |
20% |
| 50 |
Number of Intimated Claim/ Total Number of In Force Policy |
% |
12% |
19% |
14% |
8% |
8% |
| 51 |
Number of Offices |
No.s |
55 |
55.00 |
54.00 |
51.00 |
44.00 |
| 52 |
Number of Agents |
No.s |
172 |
158.00 |
123.00 |
64.00 |
69.00 |
| 53 |
Number of Surveyor |
No.s |
288 |
220.00 |
187.00 |
156.00 |
145.00 |
| 54 |
Number of Employees |
No.s |
252 |
236.00 |
212.00 |
180.00 |
168.00 |
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