| Particulars |
2009 |
2008 |
| Balance Sheet |
(Rupees in Million) |
| Paid Up Capital |
1,125 |
1,022 |
| Reserves |
1,137 |
1,078 |
| Equity |
10,781 |
8,559 |
| Investments (Book Value) |
9,658 |
7,577 |
| Investments (Market Value) |
10,152 |
6,735 |
| Fixed Assets |
1,050 |
940 |
| Cash and Bank Deposits |
2,157 |
1,724 |
| Other Assets |
8,747 |
8,763 |
| Total Assets |
21,612 |
19,004 |
| Total Liabilities |
10,831 |
10,444 |
| Operating Data |
| Gross Premium |
10,321 |
10,205 |
| Net Premium |
6,807 |
7,488 |
| Net Claims |
4,453 |
5,173 |
| Net Commission |
500 |
741 |
| Underwriting Result |
679 |
367 |
| Total Management Expenses |
1,897 |
1,718 |
| Investment Income |
2,479 |
1,098 |
| Profit Before Tax |
2,595 |
1,176 |
| Profit After Tax |
2,434 |
1,099 |
| Share Information |
| Break up Value per Share (Rupees) |
95.9 |
83.7 |
| No. of Shares |
112.5 |
102.2 |
| Share Price at end (Rs.) |
123.3 |
101.8 |
| Highest Share Price During Year (Rs.) |
130.4 |
416.9 |
| Lowest Share Price During Year (Rs.) |
41.6 |
101.8 |
| KSE Index |
9,387 |
5,865 |
| Market Price to Break up Value |
1.3 |
1.2 |
| Distribution |
| (*) Dividend Per Share (Rs.) |
3.3 |
3.0 |
| (*) Total Dividend - (Rs. in million) |
373.2 |
306.7 |
| Cash Dividend % |
24.1 |
30.0 |
| Bonus Shares % |
9.1 |
- |
| Total Dividend % |
33.2 |
30.0 |
| Financial Ratios Profitability |
| Profit Before Tax / Gross Premium (%) |
25.1 |
11.5 |
| Profit Before Tax / Net Premium (%) |
38.1 |
15.7 |
| Profit After Tax / Gross Premium (%) |
23.6 |
10.8 |
| Profit After Tax / Net Premium (%) |
35.8 |
14.7 |
| Combined Ratio |
90.0 |
95.1 |
| Management Expenses / Gross Premium (%) |
18.4 |
16.8 |
| Management Expenses / Net Premium (%) |
27.9 |
22.9 |
| Underwriting Result / Net Premium (%) |
10.0 |
4.9 |
| Net Claims / Net Premium (%) |
65.4 |
69.1 |
| Investment Income / Net Premium (%) |
36.4 |
14.7 |
| Return To Shareholders |
| Return on Average Capital Employed (%) |
25.2 |
13.6 |
| Return on Equity - PBT (%) |
24.1 |
13.7 |
| Return on Equity - PAT (%) |
22.6 |
12.8 |
| Earning Per Share (Rs.) |
21.6 |
9.8 |
| P/E Ratio |
5.7 |
10.4 |
| Dividend Yield (%) |
2.7 |
2.9 |
| Dividend Payout (%) |
15.3 |
30.7 |
| Return on Total Assets (%) |
11.3 |
5.8 |
| Liquidity / Leverage |
| Total Assets Turnover (Times) |
0.5 |
0.5 |
| Fixed Assets Turnover (Times) |
9.8 |
10.9 |
| Total Liabilities / Equity (%) |
100.5 |
122.0 |
| Paid Up Capital / Total Assets (%) |
5.2 |
5.4 |
| Equity / Total Assets (%) |
49.9 |
45.0 |
| |
|
|
| (*) Including Bonus Dividend |
|
|
