PERIODIC DISCLOSURES
FORM NL-30 Analytical Ratios

Insurer: General Insurance Corporation of India Date:


(` in Lakhs)
Analytical Ratios for Non-Life companies
Sl.No. Particular For the period ended 30.9.2013 For the period ended 30.9.2012
1 Gross Premium Growth Rate -6.7 16.6
2 Gross Premium to shareholders' fund ratio 65.8 83.0
3 Growth rate of shareholders'fund 17.8 -21.7
4 Net Retention Ratio 89.9 91.5
5 Net Commission Ratio 21.2 18.4
6 Expense of Management to Gross Direct Premium Ratio 1.1 1.4
7 Combined Ratio 112.9 103.0
8 Technical Reserves to net premium ratio 439.9 373.7
9 Underwriting balance ratio -7.3 -1.3
10 Operationg Profit Ratio 13.8 13.8
11 Liquid Assets to liabilities ratio 35.3 36.5
12 Net earning ratio 19.1 19.1
13 Return on net worth ratio 11.3 14.5
14 Available Solvency margin Ratio to Required Solvency Margin Ratio 2.28 1.59
15 NPA Ratio


Gross NPA Ratio 1.88 1.99

Net NPA Ratio 1.10 0.40
Equity Holding Pattern for Non-Life Insurers (Rs in Lakhs)
1 (a) No. of shares 43000000 43000000
2 (b) Percentage of shareholding (Indian / Foreign) 100 % Indian 100 % Indian
3 ( c) %of Government holding (in case of public sector insurance companies) 100% 100%
4 (a) Basic and diluted EPS before extraordinary items (net of tax expense) for the period (not to be annualized) 270 294
5 (b) Basic and diluted EPS after extraordinary items (net of tax expense) for the period (not to be annualized) 270 294
6 (iv) Book value per share (Rs) 2388 2027
Combined Ratio : is calculated taking into consideration Claims Paid + EOM + Commission Paid