FORM NL-30 - Analytical Ratios
Insurer:		Date:
		(Rs in Lakhs)
Analytical Ratios for Non-Life companies
Sl.No.	Particular	As at 31.3.2010	As at 31.3.2009	As at 31.3.2008	As at 31.3.2007	As at 31.3.2006	As at 31.3.2005
1	Gross Premium Growth Rate	20.8	-13.5	25.8	51.7	-4.71	10.4
2	Gross Premium to shareholders' fund ratio	106.6	103.7	139.3	124.9	102.6	120.3
3	Growth rate of shareholders'fund	17.5	16.1	12.8	24.6	11.8	3.1
4	Net Retention Ratio	90.1	91.8	89.2	86.7	86.7	90.1
5	Net Commission Ratio	22.0	23.6	25.1	26.0	26.0	26.2
6	Expense of Management to Gross Direct Premium Ratio	0.7	0.8	0.6	0.6	0.9	0.8
7	Combined Ratio	83.2	87.5	83.9	77.1	72.3	80.2
8	Technical Reserves to net premium ratio	156.7	166.0	140.4	159.7	223.6	162.6
9	Underwriting balance ratio	5.8	12.5	4.3	18.0	-3.9	6.00
10	Operationg Profit Ratio	15.2	21.3	13.3	27.6	10.8	17.9
11	Liquid Assets to liabilities ratio	24.8	26.9	24.2	20.7	24.1	25.8
12	Net earning ratio	20.2	19.0	11.9	23.8	14.1	4.3
13	Return on net worth ratio	19.7	18.1	14.9	25.8	12.6	4.7
14	Available Solvency argin Ratio to Required Solvency Margin Ratio	3.71	3.67	3.36	4.10	3.41	3.81
15	NPA Ratio
	Gross NPA Ratio	3.61	4.48	4.76	5.15	6.25	5.87
	Net NPA Ratio	1.59	1.92	2.08	2.13	1.82	1.42
Equity Holding Pattern for Non-Life Insurers
1	(a) No. of shares	43000000	43000000	43000000	43000000	43000000	43000000
2	(b) Percentage of shareholding (Indian / Foreign)	100 % Indian	100 % Indian	100 % Indian	100 % Indian	100 % Indian	100 % Indian
3	( c) %of Government holding (in case of public sector insurance companies)	100%	100%	100%	100%	100%	100%
4	(a) Basic and diluted EPS before extraordinary items (net of tax expense) for the period (not to be annualized)	413	327	231	356	139	47
5	(b) Basic and diluted EPS after extraordinary items (net of tax expense) for the period (not to be annualized)	413	327	231	356	139	47
6	(iv) Book value per share (Rs)	2124	1807	1556	1379	1107	1981
Combined Ratio : is calculated taking into consideration Claims Paid + EOM + Commission Paid