|
| |
| Particulars |
2012 |
2011 |
2010 |
2009 |
2008 |
2007 |
| Balance Sheet |
(Rupees in Million) |
| Paid Up Capital |
1,237 |
1,237 |
1,237 |
1,125 |
1,022 |
1,022 |
| Reserves |
1,442 |
1,242 |
1,164 |
1,137 |
1,078 |
955 |
| Equity |
11,540 |
10,901 |
11,000 |
10,781 |
8,559 |
7,643 |
| Investments (Book Value) |
9,948 |
9,452 |
9,407 |
9,658 |
7,577 |
8,132 |
| Investments (Market Value) |
13,189 |
9,557 |
10,003 |
10,152 |
6,735 |
11,709 |
| Fixed Assets |
1,118 |
1,063 |
1,101 |
1,050 |
940 |
768 |
| Cash and Bank Deposits |
2,507 |
2,379 |
2,705 |
2,157 |
1,724 |
954 |
| Other Assets |
11,034 |
11,188 |
14,674 |
8,747 |
8,763 |
8,911 |
| Total Assets |
24,607 |
24,082 |
27,887 |
21,612 |
19,004 |
18,766 |
| Total Liabilities |
13,067 |
13,181 |
16,887 |
10,831 |
10,444 |
11,123 |
| Operating Data |
| Gross Premium |
10,059 |
11,064 |
11,564 |
10,321 |
10,205 |
9,379 |
| Net Premium |
5,672 |
6,983 |
6,883 |
6,807 |
7,488 |
5,532 |
| Net Claims |
4,143 |
4,626 |
4,868 |
4,453 |
5,173 |
3,915 |
| Net Commission |
359 |
476 |
515 |
500 |
741 |
442 |
| Underwriting Result |
(412) |
166 |
246 |
679 |
367 |
119 |
| Total Management Expenses |
2,004 |
2,932 |
1,909 |
1,897 |
1,718 |
1,454 |
| Investment Income |
1,332 |
852 |
779 |
2,479 |
1,098 |
4,486 |
| Profit Before Tax |
667 |
(42) |
542 |
2,595 |
1,176 |
4,285 |
| Profit After Tax |
624 |
132 |
484 |
2,434 |
1,099 |
4,201 |
| Share Information |
| Break up Value per Share (Rupees) |
93.3 |
88.1 |
88.9 |
95.9 |
83.7 |
74.7 |
| No. of Shares |
123.7 |
123.7 |
123.7 |
112.5 |
102.2 |
102.24 |
| Share Price at end (Rs.) |
68.1 |
46.5 |
87.5 |
123.3 |
101.8 |
358.4 |
| Highest Share Price During Year (Rs.) |
81.6 |
96.4 |
135.2 |
130.4 |
416.9 |
417.0 |
| Lowest Share Price During Year (Rs.) |
45.0 |
42.1 |
63.1 |
41.6 |
101.8 |
151.0 |
| KSE Index |
16,905 |
11,347 |
12,022 |
9,387 |
5,865 |
14,075 |
| Market Price to Break up Value |
0.7 |
0.5 |
1.0 |
1.3 |
1.2 |
4.8 |
| Distribution |
| (*) Dividend Per Share (Rs.) |
1.5 |
2.5 |
3.3 |
3.3 |
3.0 |
3.3 |
| (*) Total Dividend - (Rs. in million) |
185.6 |
309.3 |
404.9 |
373.2 |
306.7 |
337.4 |
| Cash Dividend % |
15.0 |
25.0 |
23.6 |
24.1 |
30.0 |
33.0 |
| Bonus Shares % |
- |
- |
9.1 |
9.1 |
- |
- |
| Total Dividend % |
15.0 |
25.0 |
32.7 |
33.2 |
30.0 |
33.0 |
| Financial Ratios Profitability |
| Profit Before Tax / Gross Premium (%) |
6.6 |
(0.4) |
4.7 |
25.1 |
11.5 |
45.7 |
| Profit Before Tax / Net Premium (%) |
11.8 |
(0.6) |
7.9 |
38.1 |
15.7 |
77.5 |
| Profit After Tax / Gross Premium (%) |
6.2 |
1.2 |
4.2 |
23.6 |
10.8 |
44.8 |
| Profit After Tax / Net Premium (%) |
11.0 |
1.9 |
7.0 |
35.8 |
14.7 |
75.9 |
| Combined Ratio |
107.3 |
97.6 |
96.4 |
90.0 |
95.1 |
97.8 |
| Management Expenses / Gross Premium (%) |
19.9 |
26.5 |
16.5 |
18.4 |
16.8 |
15.5 |
| Management Expenses / Net Premium (%) |
35.3 |
40.2 |
27.7 |
27.9 |
22.9 |
26.3 |
| Underwriting Result / Net Premium (%) |
(7.3) |
2.4 |
3.6 |
10.0 |
4.9 |
2.2 |
| Net Claims / Net Premium (%) |
73.0 |
66.3 |
70.7 |
65.4 |
69.1 |
70.8 |
| Investment Income / Net Premium (%) |
23.5 |
12.2 |
11.3 |
36.4 |
14.7 |
81.1 |
| Return To Shareholders |
| Return on Average Capital Employed (%) |
5.6 |
1.2 |
4.4 |
25.2 |
13.6 |
73.5 |
| Return on Equity - PBT (%) |
5.8 |
(0.4) |
4.9 |
24.1 |
13.7 |
56.1 |
| Return on Equity - PAT (%) |
5.4 |
1.2 |
4.4 |
22.6 |
12.8 |
55.0 |
| Earning Per Share (Rs.) |
5.0 |
1.1 |
3.9 |
21.6 |
9.8 |
41.1 |
| P/E Ratio |
13.5 |
43.6 |
22.4 |
5.7 |
10.4 |
8.7 |
| Dividend Yield (%) |
2.2 |
5.4 |
3.8 |
2.7 |
2.9 |
0.9 |
| Dividend Payout (%) |
29.7 |
234.3 |
84.3 |
15.3 |
30.7 |
8.0 |
| Return on Total Assets (%) |
2.5 |
0.5 |
1.7 |
11.3 |
5.8 |
22.4 |
| Liquidity / Leverage |
| Total Assets Turnover (Times) |
0.4 |
0.5 |
0.4 |
0.5 |
0.5 |
0.5 |
| Fixed Assets Turnover (Times) |
9.0 |
10.4 |
10.5 |
9.8 |
10.9 |
12.2 |
| Total Liabilities / Equity (%) |
113.2 |
120.9 |
153.5 |
100.5 |
122.0 |
145.5 |
| Paid Up Capital / Total Assets (%) |
5.0 |
5.1 |
4.4 |
5.2 |
5.4 |
5.4 |
| Equity / Total Assets (%) |
46.9 |
45.3 |
39.4 |
49.9 |
45.0 |
40.7 |
| |
|
|
|
|
|
|
| (*) Including Bonus Dividend |
|
|
|
|
|
|
|
| |
|
