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A.M. BEST确认GENERAL INSURANCE CORPORATION OF INDIA (GIC RE)的评级。

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  • A M Best 更新 GIC Re 的信用评级新闻稿 07.10.2022
  • A.M. BEST确认GENERAL INSURANCE CORPORATION OF INDIA (GIC RE)的评级。A.M. A.M. Best 已确认General Insurance Corporation of India (GIC Re) (印度)的财务实力评级为A- (优等)及此保险商的信用评级为"a-"。此两项评级的前景为稳定。
  • 这些评级反映出 GIC Re经风险调后的资本雄厚,一贯利好的投资业绩,以及其在印度及海外保险市场的强健经营。
  • Favorable capital growth has lifted GIC Re`s capital position to ₹ 419 Billion (US$ 6.7 Billion) at financial year - end 2015 from ₹ 261 Billion (US$ 5.8 Billion) at financial year end 2010. Capital growth has been well in excess of insurance risk, which has increased capital buffers. GIC Re continues to have a strong profile in India`s reinsurance market where it remains the dominant player.
  • Offsetting rating factors include the poor underwriting performance of GIC Re`s overseas business, which accounts for 42% of its gross premium. Notwithstanding GIC Re`s strong risk-adjusted capitalization, change in fair value reserves could result in significant volatility due to company`s high level of equity investments. Regulatory changes could increase competition for GIC Re in its domestic market. However amendments are still evolving, and the impact on GIC Re remains to be seen.
  • Positive rating momentum could result from a consistent improvement in GIC Re`s underwriting performance, especially in its overseas business.
  • Negative rating momentum could result from an unexpectedly large decline in risk adjusted capitalization as a result of adverse fair value movements and a deteriorating trend in overall results.
  • "Best`s Rating Reports reproduced on this site appear under license from A.M. Best Company and do not constitute either expressly or implicitly, an endorsement of (Rated Entity) `s products or services. Best`s Rating Report are the copyright of A.M Best Company and not be reproduced or distributed without the express written consent of A.M. Best Company. Visitors to this website are authorized to print a single copy of the rating report displayed here for their own use. Any other printing, copying or distribution is strictly prohibited".
    "Best`s rating are under continual review and subject to change or affirmation. To confirm the current rating refer www.ambest.com"
  • View Certificate PDF file that opens in new window. To know how to open PDF file refer Help section located at bottom of the site. (355 KB)

CARE再次确认GENERAL INSURANCE CORPORATION OF INDIA (GIC RE)索赔缴付能力的评(23 March 2016)

  • CARE确认General Insurance Corporation of India (GIC Re)索赔缴付能力的AAA (In)评级.
  • GIC Re作为印度政府全资拥有的企业的评级因素、GIC Re作为唯一国营再保险商在印度保险业中的地位、良好偿付能力状况及充足的流动资金.
  • GIC Re is wholly owned by GoI and it is the sole national reinsurer. Apart from the domestic operations, GIC Re has overseas offices namely, representative office in Moscow and branch offices in London, Dubai and Malaysia. GIC Re also has presence in Bhutan through its joint venture, GIC Bhutan Re (GIC Re holds 26% stake) and in South Africa through its wholly owned subsidiary, GIC Re South Africa Limited. GIC Re is present in various segments of which major segments are fire, health, motor and marine.
  • GIC Re reported a PAT of Rs.2,694 crore on Gross Premium Written (GPW) of Rs.15,184 crore in FY15 as against a PAT of Rs.2,253 crore on GPW of Rs.14,680 crore during FY14. Of the total GPW of Rs.15184 crore, 57% is attributable to domestic business and 43% to foreign business. In 9MFY16, the company reported a PAT of Rs.1,637 crore on Gross Premium Written of Rs.12,671 crore. Solvency margin stood at 3.04 times as on March 31, 2015 and at 3.52 times as on December 31, 2015.
  • View Certificate PDF file that opens in new window. To know how to open PDF file refer Help section located at bottom of the site. (454 KB)
历年财务业绩数据(单位:千千万万)
千千万万
年度 总保费 赚取的保费 发生的索赔 净佣金 税前利润 (PBT) 税后利润 (PAT) 总资产 股息 % 综合比率
2001-02 3282 2438 2295 636 357 307 10379 20 121.2
2002-03 4515 3186 2744 909 343 261 11695 22 115.6
2003-04 4641 3992 2895 1072 1277 1038 16441 30 100.2
2004-05 5122 4374 3703 1207 800 200 19552 30 113.2
2005-06 4881 4459 4573 1103 443 599 26424 20 128.3
2006-07 7404 5264 3623 1670 1789 1531 28524 72 101.4
2007-08 9316 7229 6011 2090 1067 993 36013 46 112.8
2008-09 8061 7806 6217 1749 1812 1407 30020 65 102.8
2009-10 9737 8076 6856 1930 1290 1775 43842 82 109.7
2010-11 11681 9544 8626 1926 1189 1033 49729 48 111.4
2011-12 13618 11316 14128 2282 -2490.67 (-)2468.75 53731 0 142.7
2012-13 15086 13322 10942 2906 2382 2345 59940 109 106.5
2013-14 14680 13609 12107 2449 2303 2253 66992 104.5 110.3
2014-15 15183 13558 11891 2784 2827 2693 78093 125.61 109
2015-16 18435 15172 12900 3490 2956 2848 79732 200 107.4
2016-17 33585 26714 21646 5404 3624 3127 94949 233 99.7
2017-18 41799 38096 32954 6370 3668 3233 110227 270 103.8
2019-20 51030 44145 43036 7508 -446 -359 116196 6.75 114.38
2020-21 47,014 42,197 36,854 7,984 3163 1920 134661 0 112.03
截至 2020 年 3 月 31 日止年度的损益账户(单位:₹ 千)
截至 3 月 31 日止年度的损益账户,2020
序号 项目 附表 当年 上一年
- - - (` '000) (` '000)
1. 营业利润/-亏损 - - -
- (a) 火灾保险 - 4788 292 (5394 182)
- (b) 海上保险 - (2431 144) 4004 048
- (c) 杂项保险 - 12249 494 (6982 535)
- (d) 人寿保险 - (1249 129) 286 963
2. 投资收益 - - -
- (a) 利息、股息和租金 - 总额 - 10534 985 9070 466
- (b) 出售投资的利润 - 9431 592 6598 301
- 减去:投资销售损失 - 0 0
3. 其他收入: - - -
- 外汇收益/(损失) - 0 1195 815
- 资产出售利润(净额) - 262 0
- 杂项余额写回(净额) - 0 0
- 所得税退税利息 - (22 488) 0
- (规定)/ 可疑债务回拨 - 0 0
- 电动车服务费 - 0 0
- 杂项收据 - 22 684 19 046
- 总计(A) - 33324 548 8797 922
4. 可疑贷款和投资准备金 - 3509 240 8589 428
5. 为可疑债务准备/(注销) - (3683 288) 1317 127
6 投资溢价摊销 - 349 484 315 009
7 注销的投资价值减少 - 340 251 2256 234
8 其他费用: - - -
- 与投资有关的费用 - 0 0
- 外汇损失/(收益) - 623 047 0
- (利润)/资产出售损失(净额) - 0 3 547
- 核销的杂项余额(净额) - 4 0
- 兴趣及其他 - 7 988 1 090
- 企业社会责任费用 - 544 000 775 198
- 总计(B) - 1690 726 13257 633
- 税前利润/(亏损) - 31633 822 (4459 711)
- 税收规定: - - -
- 现行税金 - 12518 300 110 001
- 财富税 - 0 0
- MAT 学分 - 0 0
- 递延税项 - 29 176 (182 311)
- 附加福利税 - 0 0
- 早年税收准备金 - (118 035) (796 487)
- 上一年的MAT学分 -/td> 0 0
- 税后利润/(亏损) - 19204 381 (3590 914)
- 拨款 - - -
- (a) 去年结转余额 - 22435 908 40303 305
- (b) 中期股息 - 0 0
- (c) 末期股息 - 0 11842 200
- (d) 股息分配税 - 0 2434 283
- (e) 转移到基因储备金 - 0 0
- 结转至资产负债表 - 41640 289 22435 908
- 基本和稀释每股收益 - 10.95 (2.05)
截至 2021 年 3 月 31 日止期间的火灾保险业务收入账目
详情 日程安排 当年 上一年
(` '000) (` '000)
1. 赚取的保费(净额) 1
111591 018
90568 870
2. 投资销售利润(净)
9537 739
6023 232
3. 外汇收益/(损失)
(519 660)
1108 278
4. 利息、股息和租金 - 总额
10653 550
8279 938
总计(A)
131262 647
105980 318
1. 发生的索赔(净额) 2
95347 241
81111 615
2. 佣金(净) 3
30257 334
29350 085
3. 与保险业务相关的运营费用 4
869 780
912 800
4. 与投资有关的费用
0
0
5. 高级版不足 0 0
总计(B)
126474 355
111374 500
营业利润 /- 消防业务 C 的损失 = (A-B)
4788 292
(5394 182)
拨款
转入股东账户
4788 292
(5394 182)
转移到灾难保护区 0 0
转入其他储备(待指定) 0 0
总计 (C)
4788 292
(5394 182)
根据 1938 年《保险法》第 40C (2) 条的要求,我们证明,所有与杂项保险业务相关的直接或间接管理费用均已全额扣除在杂项保险收入账户中作为费用。
杂项保险业务
详情 日程安排 当年 上一年
(` '000) (` '000)
1. 赚取的保费(净额) 1
51255849 576
326924 651
2. 投资销售利润(净)
20285 977
16034 749
3. 外汇收益/(损失)
(1340 910)
2887 121
4. 利息、股息和租金 - 总额
22659 216
22042 441
总计(A)
297453 859
367888 962
1. 发生的索赔(净额) 2
238429 082
329872 698
2. 佣金(净) 3
45047 348
42372 916
3. 与保险业务相关的运营费用 4
1727 935
2625 883
4. 与投资有关的费用
0
0
5. 溢价不足 0 0
总计(B)
285204 365
374871 497
杂项业务 C 的营业利润/-亏损 = (A-B)
12249 494
(6982 535)
拨款
转入股东账户
12249 494
(6982 535)
转移到灾难保护区 0 0
转移到其他储备(待指定) 0 0
总计 (C)
12249 494
(6982 535)
根据 1938 年《保险法》第 40C (2) 条的要求,我们证明,所有与杂项保险业务相关的直接或间接管理费用均已全额扣除在杂项保险收入账户中作为费用。
海上保险业务方面
详情 日程安排 当年 上一年
(` '000) (` '000)
1. 赚取的保费(净额) 1
19573 600
16043 131
2. 投资销售利润(净)
1890 051
1087 250
3. 外汇收益/(损失)
(126 725)
197 315
4. 利息、股息和租金 - 总额

2111 166
1494 607
总计(A)
23448 092
18822 303
1. 发生的索赔(净额) 2
21395 305
11431 957
2. 佣金(净) 3
4362 488
3262 323
3. 与保险业务相关的运营费用 4
121 443
123 975
4. 与投资有关的费用
0
0
5. 溢价不足 0 0
总计(B)
25879 236
14818 255
海运业务 C = (A-B) 的营业利润/-亏损
(2431 144)
4004 048
拨款
转入股东账户
(2431 144)
4004 048
转移到灾难保护区 0 0
转入其他储备(待指定) 0 0
总计 (C)
(2431 144)
4004 048
根据 1938 年《保险法》第 40C (2) 条的要求,我们证明,所有与海上保险业务相关的直接或间接管理费用均已全额扣除在海上保险收入账户中作为费用。
人寿保险业务方面
详情 日程安排 当年 上一年
(` '000) (` '000)
1. 赚取的保费(净额) 1
11644 737
7917 615
2. 投资销售利润(净)
521 637
262 707
3. 外汇收益/(损失)
(34 459)
47 608
4. 利息、股息和租金 - 总额
582 663
361 135
总计(A)
12714 578
8589 065
1. 发生的索赔(净额) 2
13365 829
7942 310
2. 佣金(净) 3
176 691
98 173
3. 与保险业务相关的运营费用 4
68 225
67 465
4. 与投资有关的费用
0
0
5. 溢价不足 352 962 194 15
总计(B)
13963 707
48302 102
寿险业务的营业利润/-亏损 C = (A-B)
(1249 129)
286 963
拨款
转入股东账户
(1249 129)
286 963
转移到灾难保护区 - -
转移到OT她的储备(待定) - -
总计 (C)
(1249 129)
286 963
根据 1938 年《保险法》第 40C (2) 条的要求,我们证明,所有与海上保险业务相关的直接或间接管理费用均已全额扣除在海上保险收入账户中作为费用。