Income statement

2006

2007

27574006
4326991
5194186
37095183

36213444
4923938
5583619
46721001

-14228988
48286652
30124594
64182258

11600192
53697872
12603560
77901624

457584
39418537
39876121

799262
73943622
74742884

interest & divident income :

interest received & accrued
divident & diventure interest
building rent
total interest & divident income =
profit transfrred from:
fire revenue account
marine revenue account
misc.revenue account
total profit transfrred =
others income :
misc.receipt
profit on sale of investment
total others income =
total income =

141153562 199365509

expenses of management :
Advertisement & publicity
directors fee
Bonus
Registration renewal fee
Donation
audit fees
Legal expenses
Depreciation
total expenses of management =
Net profit of the year

2586196
812500
7700000
2212300
0
758000
131000
4982259

2724042
597125
7900000
2444008
2000000
358000
152000
6348300

19182255

22523475

121971307 176842034

earning per share

Balance sheet
2006

2007

property & asset :

investnent :
national investment bond
shares & debentures
total investment =
outstanding premium
amount due from other persons
interest.Dividend & rent outstanding
sundry debtors
advance payment of tax

4500000
4500000
215725829 238082307
220225829 242582307
38015718
147305167
7470087
23463862
18938293

58715440
150181264
7470087
26848445
43265098

cash & bank balances :

fixed deposite accounts
STD & current account
cash, cheques & stamp in hand
total cash & bank balance =

361456882 380268732
104858519 116468668
9275536
13600806
475590937 510338206

other accounts:
land (freehold)
holiday homes
fixed assets
building
stock of printing materials
tatal other account =

356626207 849700000
0
0
82655929
91141635
175294893 468824500
425000
438700
6150020291410104835

Total property & asset

15460119222449505682

Capital & liabilities

Authorized capital:

250000000

500000000

Issued subscribed & Paid up capital

Share premium

217158000
52272

249731700
52272

Reserve or contingency account:

Reserve for exeptional losses

270390993

304588710

Contingency reserve for insurance

guarantees & tail ended insurance business
revaluation reserve
Capital gain
General reserve
dividend equalization reserve
Depreciation fund
Balance of profit & loss account

105869651
158575383
91658690
33239728
37500000
53166137
33747468

105869651
966734687
91658690
20666028
37500000
57936216
88818085

Total Reserve or contingency account:

7841480501673772067

Balance of fund & account:

Fire Insurance Business
Marine Insurance Business
Misc.Insurance Business
Total Balance of fund & account:

26645983
34569614
74270992
76419629
51010271
60539819
151927246 171529062

Premium deposit
Liabilities & provision:
Estimated liabilities in respect of outstanding
claims whether due or intimated
Amount due to other person or bodies
carrying on insurance business
Total Liabilities & provision:
loan from bank for building project
Sundry creditors
provision for income tax
provision for deferred tax
total capital & liabilities

27989042

6647428

164774321

126278839

99194655
90341957
263968976 216620796
8427249
40603582
51737505
0

3712639
41335265
84104453
2000000

15460119222449505682

Liquidity Ratio:

2006
0.98
0.98
0.44
829.55

2007
1.21
1.21
0.52
829.55

Operating Efficiency Ratios

Fixed Asset Turnover
Total Asset Turnover

0.07
0.04

0.04
0.03

Leverage Ratios
Debt Ratio
Debt-to-Equity
Total Debt to Total Capitalization

0.24
0.04
1.68

0.14
0.01
1.39

Current Ratio
Quick Ratio
Receivable Turnover Ratio
Average Collection Period

Operating Profitability Ratios

Operating Profit Margin
Net Profit Margin

0.58
1.90

0.60
2.27

0.04
0.56

0.03
0.71

56.17
1.99
1.78

70.81
1.97
1.78

0.04

0.03

Profitability Ratios
Return on Total Assets (ROA)
Return on Equity (ROE)
Valuation Ratios
Earnings Per Share
Dividend per Share
Price/Earnings Ratio
Dividend Payout Ratio

ome statement
2008

2009

44509329
4958832
5563069
55031230

37406795
6100288
15845977
59353060

16152122
50778441
32310447
99241010

7183229
38733932
16939139
62856300

719699
69837087
70556786

1061711
43161528
44223239

224829026 166432599

2382745
905250
10000000
3042169
0
500000
333750
8835273

8636111
1910752
10000000
3426794
0
650000
506656
9918085

25999187

35048398

198829839 131384201

ance sheet
2008

2009

4500000
4500000
357149099 386731018
361649099 391231018
83168061
217049616
7345135
26655049
76461909

101929074
252887688
7047249
34260946
100506494

393029398 353101813
131198408 106619481
7897696
13318213
532125502 473039507

850214657 828337503
3129800
3934800
35352455
39730362
468824500 667888778
493500
142500
13580149121540033943
26624692832900935919

500000000

500000000

337137700
52272

387708300
52272

345870288

388781311

105869651
966734687
91658690
20666028
37500000
0
118070346

105869651
952592999
94881353
20666028
37500000
0
68545404

16863696901668836746

34793332
35283747
82940909
88616396
89608682
91525049
207342923 215425192
50395299

12205485

workings
91445835

87463532
Current asset

131290203 142054842
222736038 229518374
0
31440909
121604453
5390000

current liabilities

178417329
61777768
139104453
7890000

current asset less inv

fixed asset
total debt

26624692842900935919
no of shares

2008
1.44
1.44
0.46
829.55

2009 Average
1.41
1.26
1.41
1.26
0.25
0.42
829.55
829.55

0.06
0.04

0.03
0.02

0.05
0.03

0.14
0.00
1.13

0.21
0.46
1.59

0.18
0.13
1.45

Current Ratio

2006
2007
2008
2009

Liquidity ratio

Quick Ratio

0.98
1.21
1.44 1000.00
800.00
600.00
1.41 400.00

200.00
0.00

0.98
1.21
1.44
1.41

Axis Title

2.50
2.00
1.50
1.00

Operating Efficiency
1.90

2.27
2.00

Operating Efficiency

2.50

0.55
2.00

0.94
2.09

2.27

1.90

2.00

2.00

1.50

0.67
2.07

1.00
0.50 0.58

0.04
0.59

0.02
0.34

0.03
0.55

58.98
1.47
1.78

33.89
1.57
1.78

54.96
1.75
1.78

0.02

0.05

0.03

0.60

0.00
2006
Fixed Asset
Turnover

2006
2007
2008
2009

0.55

Total Asset
2007
Turnover

0.58
0.60
0.55
0.94

2008

1.90
2.27
2.00
2.09

200

Debt Ratio

2006
2007
20082.00
2009

1.50

Axis Title

Debt-to-Equity
leverage
ratios
0.24
0.04

0.14
0.14
0.21

0.01
0.00
0.46

1.00
0.50
0.00
2006

0.46
0.21

2007

2008

2009

Operating Profitability R

Operating Profit Net Profit

Margin
3.50 Margin

2006
3.00
2007
2.50
2008
2009
2.00
Axis Title

0.58
0.60
0.55
0.94

1.90
2.27
2.00
2.09

1.50
1.00
0.50
0.00
2006

2007

20

Profitability Ratios
0.80

Profitability Ratios

0.80

Return on Total Return on

Assets (ROA)
Equity (ROE)

2006
0.70
2007
2008
0.60
2009
0.50
Axis Title

0.04
0.03
0.04
0.02

0.56
0.71
0.59
0.34

0.40
0.30
0.20
0.10
0.00
2006

2007

Earnings Per Dividend per

Share
Share

2006
2007
2008
2009

56.17
70.81 250.00
58.98 200.00
33.89 150.00
100.00
50.00

Axis Title

0.00

Price/Earnings

Ratio
Valuation
Ratios

1.99
1.97
1.47
1.57

1.78
1.78
1.78
1.78

2006
349752182

2007
416988508

2008
550269374

2009
616711645

356310063

344060514

381171400

438290595

349327182

416549808

549775874

616569145

976033911 1789934867 1747421010 1889058456

364737312

347773153

381171400

616707924

2171580

2497317

3371377

3877083

Average
Liquidity
ratios
Receivable
Turnover RatCollection Period

0.44
829.55
0.52
829.55
829.55
829.55
0.46
829.55
829.55
0.25 829.55
829.55
2009

.00
.00
.00
.00
.00
.00

2008
2007
2006

ing Efficiency Ratios

7
2.00

2.09
Fixed Asset Turnover

ing Efficiency Ratios

7
2.00

2.09
Fixed Asset Turnover
0.94

0.55
2008

Total Asset Turnover

2009

Total Debt to Total Capitalization

ge ratios
1.68

1.39
1.13
1.59
1.59

0.46
0.21
2008

2009

Profitability Ratios

2007

2008

ability Ratios

2009

ability Ratios

2007

2008

Dividend Payout Ratio

tion Ratios

0.04
0.03
0.02
0.05

2009