EFU GENERAL INSURANCE-KEY FINANCIAL DATA

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Earnings FY'04 FY'05 FY'0
6 FY'07 FY'08 FY'09
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In
Rupees
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Gross Premium 5,043,000,000 6,644,000,000 8,459,386,00
0 8,961,395,000 9,698,670,000 9,614,014,000
Net Premium Revenue 2,536,000,000 3,861,990,000 5,417,952,00
0 6,110,504,000 6,136,944,000 5,570,211,000
Total Claims Incurred 1,529,560,000 2,694,350,000 4,131,705,00
0 5,092,241,000 4,369,507,000 3,911,444,000
Underwriting Expenses 586,240,000 855,380,000 1,098,166,00
0 1,663,806,000 2,002,165,000 1,968,351,000
Underwriting Result 420,290,000 312,270,000 188,081,00
0 -176,932,000 371,433,000 66,536,000
Investment Income 101,730,000 372,970,000 696,466,00
0 14,812,295,000 -5,299,619,000 673,524,000
Profit Before Tax 474,160,000 645,720,000 857,753,00
0 14,457,295,000 -5,442,922,000 801,443,000
Profit After Tax 322,440,000 506,270,000 762,158,00
0 14,536,309,000 -5,471,226,000 732,299,000
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Balance Sheet FY'04 FY'05 FY'0
6 FY'07 FY'08 FY'09
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In R
upees
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Paid up capital 210,000,000 300,000,000 500,000,00
0 1,000,000,000 1,150,000,000 1,150,000,000
Equity 675,610,000 1,118,890,000 1,790,860,00
0 15,177,169,000 10,105,943,000 10,464,942,000
Investments (Book Value) 155,896,000 2,387,155,000 3,675,085,00
0 18,595,362,000 11,831,998,000 12,643,728,000
Cash & Bank balances 865,990,000 1,192,910,000 1,135,916,00
0 1,162,876,000 1,303,684,000 1,349,606,000
Total Assets 4,783,590,000 6,334,640,000 10,627,996,00
0 27,389,975,000 21,229,692,000 21,938,950,000
Total Liabilities 4,107,980,000 5,215,763,000 8,837,136,00
0 11,212,806,000 11,123,749,000 11,474,458,000
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Operating Performance (%) FY'04 FY'05 FY'0
6 FY'07 FY'08 FY'09
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Underwriting Profit / Net Premium 17 8
3 -3 6 1
Underwriting Profit / Gross Premium 8 5
2 -2 4 1
Loss Ratio 60 70 7
6 83 71 70
Expense Ratio 23 22 2
0 27 33 35
Combined ratio 83 92 9
7 111 104 106
Return on Assets 7 8
7 53 -26 3
Return on Equity 0 0
0 1 -1 0
Reinsurance Expense/Net Premiums 99 72 5
6 47 58 73
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DEBT MANAGEMENT FY'04 FY'05 FY'0
6 FY'07 FY'08 FY'09
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Debt/Assets Ratio 86 82 8
3 41 52 52
Debt/Equity 6 5
5 1 1 1
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Capital Adequacy FY'04 FY'05 FY'0
6 FY'07 FY'08 FY'09
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Paid-up Capital / Total Equity 0 0
0 0 0 0
Equity/Total Assets 0 0
0 1 0 0
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Profitability Ratios FY'04 FY'05 FY'0
6 FY'07 FY'08 FY'09
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Investment income/Net premiums 4 10 1
3 242 -86 12
Investment income/Investment assets 65 16 1
9 80 -45 5
Profit After tax/Net Premium 13 13 1
4 238 -89 13
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Market Value Ratios FY'04 FY'05 FY'0
6 FY'07 FY'08 FY'09
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Market Prices (average) 92 139 21
2 420 133 98
Price Earnings Ratio 14 21 2
7 3 -3 15
Dividends per share 3 3
3 6 3 4
Earnings Per Share 7 7
8 145 -48 6
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