10 Years at a Glance

Ten years at a glance

2015 2014 2013 2012 2011 2010 2009 2008 2007 2006
GROSS PREMIUM 2,343,705 2,139,673 2,035,289 1,846,856 1,747,015 1,296,765 1,151,797 1,035,218 1,060,836 916,696
BALANCE SHEET
PAID UP CAPITAL 1,226,895 1,226,895 1,115,359 1,115,359 1,115,359 718,427 598,689 598,689 319,301 199,563
GENERAL & CAPITAL RESERVES 8,102,711 8,470,780 8,749,620 8,972,692 9,530,371 10,264,964 10,534,374 10,624,177 8,103,740 823,740
SHAREHOLDERS EQUITY 12,260,735 11,579,146 10,841,827 10,249,864 11,179,366 11,575,854 10,960,813 10,846,519 11,271,456 8,509,721
INVESTMENTS-AT BOOK VALUE 12,325,078 12,196,544 11,041,469 10,619,980 11,517,573 11,905,802 11,235,758 11,709,948 12,404,727 9,246,735
INVESTMENTS-AT MARKET VALUE 54,774,293 57,483,450 41,428,682 25,732,615 18,578,665 14,367,621 9,393,620 8,964,435 16,647,641 9,765,736
FIXED ASSETS 220,743 240,178 222,085 163,797 165,115 270,822 282,545 302,531 309,283 292,084
TOTAL ASSETS-AT BOOK VALUE 14,650,626 14,530,470 13,152,116 12,518,449 13,470,805 12,960,451 12,366,066 13,200,639 14,099,555 10,399,049
UNDERWRITING PROVISIONS 1,464,778 1,361,433 1,278,317 1,207,028 1,363,873 701,366 699,522 801,975 915,454 622,417
PROFIT AND LOSS ACCOUNT
UNDERWRITING PROFIT 256,411 208,195 104,616 232,399 207,782 205,095 253,103 193,166 160,102 226,929
INVESTMENT INCOME 1,445,480 940,878 672,690 402,173 492,524 929,344 (414,649) (157,476) 3,021,533 7,315,629
PROFIT BEFORE TAX 1,531,753 942,101 911,026 (342,508) 56,632 920,771 364,766 (404,103) 2,983,516 7,357,109
INCOME TAX 238,707 119,300 98,381 11,326 6,929 84,215 100,800 (27,061) 53,938 14,739
PROFIT AFTER TAX 1,293,046 822,801 812,645 (353,834) 49,703 836,556 263,966 (377,042) 2,929,578 7,342,370
CASH FLOW SUMMARY
OPERATING ACTIVITIES 34,497 232 155,276 177,039 (18,106) 278,667 126,941 (27,651) 2,306 227,769
INVESTING ACTIVITIES 1,277,366 (134,210) 667,840 268,042 266,935 175,741 768,554 367,307 (160,701) 29,285
FINANCING ACTIVITIES (1,328,060) 444,856 (260,305) (616,604) (319,720) (369,442) (587,100) (153,632) (599,910) (351,009)
CASH & CASH EQUIVALENTS AT THE YEAR END 219,154 235,369 (75,509) (638,320) (466,797) (395,906) (480,872) (789,267) (975,291) (216,986)
INVESTMENT / MARKET RATIOS
Earnings per share (Rs.) 10.54 6.71 7.29 (3.17) 0.45 11.64 4.41 (6.30) 91.75 367.92
Market value per share (Rs.) 236.57 270.58 164.38 96.28 44.00 97.00 87.89 115.27 420.00 399.00
Break up value per share (Rs.) 99.93 94.38 97.20 91.90 100.23 161.13 183.08 181.17 353.00 426.42
Price earning ratio (Times) 22.45 40.35 22.56 (30.35) 98.74 8.33 19.93 (18.30) 4.58 1.08
Price to book ratio (Times) 2.37 2.87 1.69 1.05 0.44 0.60 0.48 0.64 1.19 0.94
Dividend yield (%) 2.54 1.11 0.91 3.12 11.36 3.09 3.98 1.30 0.95 1.00
Dividend payout (%) 56.93 44.73 20.59 (94.57) 1,060.48 25.76 79.38 (23.82) 4.36 1.09
Dividend cover (Times) 1.76 2.24 4.86 (1.06) 0.09 3.88 1.26 (4.20) 22.94 91.98
Investment yield (%) 2.64 1.64 1.62 1.56 2.65 6.47 (4.41) (1.76) 18.15 74.91
Market capitalization (Rs. M) 29,024.66 33,197.32 18,334.27 10,738.68 4,907.58 6,968.74 5,261.88 6,901.09 13,410.64 7,962.56
Cash dividend per share (Rs.) 6.00 3.00 2.50 3.00 5.00 3.00 3.50 1.50 4.00 4.00
Cash dividend (%) 60.00 30.00 25.00 30.00 50.00 30.00 35.00 15.00 40.00 40.00
Stock Dividend per share (Rs.) - - 1.00 - 1.50 5.50 - 5.00 2.50 6.00
Stock dividend (%) - - 10.00 - 15.00 55.00 - 50.00 25.00 60.00
PROFITABILITY RATIOS
Return on equity (%) 12.49 8.14 8.40 (3.34) 0.51 7.95 3.33 (3.73) 26.47 86.46
Return on assets (%) 8.83 5.66 6.18 (2.83) 0.37 6.45 2.13 (2.86) 20.78 70.61
EBITDA to gross premium (Times) 0.69 0.50 0.49 (0.19) 0.08 0.79 0.46 (0.15) 2.96 8.15
Underwriting profit to gross premium (%) 10.94 9.73 5.14 12.58 11.89 15.82 21.97 18.66 15.09 24.76
Profit before tax to gross premium (%) 65.36 44.03 44.76 (18.55) 3.24 71.01 31.67 (39.04) 281.24 802.57
Profit after tax to gross premium (%) 55.17 38.45 39.93 (19.16) 2.85 64.51 22.92 (36.42) 276.16 800.96
Cost / income ratios (Times) 0.36 0.56 1.01 0.94 0.56 0.30 (0.73) (1.06) 0.10 0.02
LIQUIDITY / PERFORMANCE RATIOS
Equity / Total assets (%) 83.69 79.69 82.43 81.88 82.99 89.32 88.64 82.17 79.94 81.83
Financial leverage 0.01 0.07 0.03 0.06 0.05 0.03 0.05 0.13 0.14 0.11
Paid up capital / Total assets (%) 8.37 8.44 8.48 8.91 8.28 5.54 4.84 4.54 2.26 1.92
Incurred loss ratio (%) 52.27 56.84 71.87 62.08 62.24 50.56 41.83 44.41 57.34 43.84
Total liabilities / Equity (Times) 0.19 1.36 1.14 1.23 0.20 0.12 0.13 0.22 0.25 0.22
Cash flow from operations to gross premium (Times) 0.01 0.00 0.08 0.10 (0.01) 0.21 0.11 (0.03) 0.00 0.25
Total assets turnover (Times) 0.16 0.15 0.15 0.15 0.13 0.10 0.09 0.08 0.08 0.09
Fixed assets turnover (Times) 10.62 8.91 9.16 11.28 10.58 4.79 4.08 3.42 3.43 3.14
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