FORM NL-30 - Analytical Ratios
Insurer:   Date: 
     (Rs in Lakhs) 
Analytical Ratios for Non-Life companies
Sl.No. Particular As at 31.3.2010 As at 31.3.2009 As at 31.3.2008 As at 31.3.2007 As at 31.3.2006 As at 31.3.2005
1 Gross Premium Growth Rate 20.8 -13.5 25.8 51.7 -4.71 10.4
2 Gross Premium to shareholders' fund ratio 106.6 103.7 139.3 124.9 102.6 120.3
3 Growth rate of shareholders'fund 17.5 16.1 12.8 24.6 11.8 3.1
4 Net Retention Ratio 90.1 91.8 89.2 86.7 86.7 90.1
5 Net Commission Ratio 22.0 23.6 25.1 26.0 26.0 26.2
6 Expense of Management to Gross Direct Premium Ratio 0.7 0.8 0.6 0.6 0.9 0.8
7 Combined Ratio 83.2 87.5 83.9 77.1 72.3 80.2
8 Technical Reserves to net premium ratio 156.7 166.0 140.4 159.7 223.6 162.6
9 Underwriting balance ratio 5.8 12.5 4.3 18.0 -3.9                             6.00
10 Operationg Profit Ratio 15.2 21.3 13.3 27.6 10.8 17.9
11 Liquid Assets to liabilities ratio 24.8 26.9 24.2 20.7 24.1 25.8
12 Net earning ratio 20.2 19.0 11.9 23.8 14.1 4.3
13 Return on net worth ratio 19.7 18.1 14.9 25.8 12.6 4.7
14 Available Solvency argin Ratio to Required Solvency Margin Ratio 3.71 3.67 3.36 4.10 3.41 3.81
15 NPA Ratio            
  Gross NPA Ratio 3.61 4.48 4.76 5.15 6.25 5.87
  Net NPA Ratio 1.59 1.92 2.08 2.13 1.82 1.42
Equity Holding Pattern for Non-Life Insurers
1 (a) No. of shares 43000000 43000000 43000000 43000000 43000000 43000000
2 (b) Percentage of shareholding (Indian / Foreign) 100 % Indian  100 % Indian  100 % Indian  100 % Indian  100 % Indian  100 % Indian 
3 ( c) %of Government holding (in case of public sector insurance companies) 100% 100% 100% 100% 100% 100%
4 (a) Basic and diluted EPS before extraordinary items (net of tax expense) for the period (not to be annualized) 413 327 231 356 139 47
5 (b) Basic and diluted EPS after extraordinary items (net of tax expense) for the period (not to be annualized) 413 327 231 356 139 47
6 (iv) Book value per share (Rs) 2124 1807 1556 1379 1107 1981
               
Combined Ratio : is calculated taking into consideration Claims Paid + EOM + Commission Paid