| FINANCIAL SNAPSHOTS FOR THE YEAR 2071-72, 2072-73 & 2073-74 (NEPAL OPERATION ONLY) | ||||||||||||
| Figures in brackets are percentage to net premium. (Rs. in lakhs) | ||||||||||||
| Fire | Marine | Miscellaneous | Total | |||||||||
| 2071-72 | 2072-73 | 2073-74 | 2071-72 | 2072-73 | 2073-74 | 2071-72 | 2072-73 | 2073-74 | 2071-72 | 2072-73 | 2073-74 | |
| Gross Direct premium | 2293.55 | 2801.22 | 3105.50 | 1316.31 | 1534.72 | 1714.25 | 2387.46 | 2542.08 | 2920.67 | 5997.32 | 6878.02 | 7740.42 |
| Net premium | 1750.04 | 2103.99 | 2368.56 | 1316.31 | 1510.57 | 1619.37 | 2050.97 | 2134.64 | 2384.84 | 5117.32 | 5749.20 | 6372.77 |
| Ratio of Net to Gross | 0.76 | 0.75 | 0.76 | 1.00 | 0.98 | 0.94 | 0.86 | 0.84 | 0.82 | 0.853267793 | 0.84 | 0.82 |
| Interest on investments(Policy Holders’) | 375.44 | 337.87 | 412.62 | 407.39 | 192.57 | 233.45 | 602.06 | 219.84 | 239.79 | 1384.89 | 750.28 | 885.86 |
| 0.21 | 0.16 | 0.17 | 0.31 | 0.13 | 0.14 | 0.29 | 0.10 | 0.10 | 0.270627985 | 0.13 | 0.14 | |
| Commission and other income (Net Income(+)/ Net Outgo (-)) | -33.28 | -52.93 | -109.37 | -26.05 | -11.76 | -9.23 | -51.41 | 34.01 | 21.98 | -110.74 | -30.68 | -96.62 |
| -0.02 | -0.03 | -0.05 | -0.02 | -0.01 | -0.01 | -0.03 | 0.02 | 0.01 | -0.021640234 | -0.01 | -0.02 | |
| Increase (+)/ Decrease (-) in unexpired risks reserve | 60.15 | 176.98 | 132.29 | 313.41 | 296.12 | 226.36 | 45.31 | 41.83 | 125.09 | 418.87 | 514.93 | 483.74 |
| 0.03 | 0.08 | 0.06 | 0.24 | 0.20 | 0.14 | 0.02 | 0.02 | 0.05 | 0.081853392 | 0.09 | 0.08 | |
| Net Incurred claims | 7536.95 | 1233.36 | 820.10 | 667.52 | 425.83 | 763.13 | 1546.78 | 990.43 | 1954.80 | 9751.25 | 2649.62 | 3538.03 |
| 4.31 | 0.59 | 0.35 | 0.51 | 0.28 | 0.47 | 0.75 | 0.46 | 0.82 | 1.905538446 | 0.46 | 0.56 | |
| Expenses of Management | 263.32 | 365.01 | 378.19 | 172.68 | 250.31 | 276.51 | 292.04 | 398.80 | 445.89 | 728.04 | 1014.12 | 1100.59 |
| 0.15 | 0.17 | 0.16 | 0.13 | 0.17 | 0.17 | 0.14 | 0.19 | 0.19 | 0.142269782 | 0.18 | 0.17 | |
| Net Operating Profit | -5768.22 | 613.58 | 1341.23 | 544.04 | 719.12 | 577.59 | 717.49 | 957.43 | 120.83 | -4506.69 | 2290.13 | 2039.65 |
| -3.30 | 0.29 | 0.57 | 0.41 | 0.48 | 0.36 | 0.35 | 0.45 | 0.05 | -0.880673868 | 0.40 | 0.32 | |
| Interest, (Other than policyholders') | 489.94 | 94.13 | ||||||||||
| Provision for bonus to employees/others | 201.83 | 182.61 | ||||||||||
| M.E. alloted to P/L A/C | 74.20 | 104.88 | 122.23 | |||||||||
| Other income/expenses | -44.15 | 34.92 | 3.04 | |||||||||
| Profit (+) before Tax | -4135.10 | 2018.34 | 1831.98 | |||||||||
| Provision for Tax | -37.01 | -25.94 | -34.12 | |||||||||
| Net Profit after Tax | -4098.09 | 2044.28 | 1866.10 | |||||||||
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