FORM NL-30 Analytical Ratios
Insurer : General Insurance Corporation of India
-	-	-	-	(Rs in Lakhs)	-
Analytical Ratios for Non-Life companies
Sl.No.	Particular	FOR THE QUARTER	NINE MONTH ENDING 31.12.2011	FOR THE QUARTER OF THE PRECEDING YEAR	NINE MONTH ENDING 31.12.2010
1	Gross Premium Growth Rate	43.43	20.88	3.94	15.26
2	Gross Premium to shareholders' fund ratio	43.00	106.79	26.70	79.70
3	Growth rate of shareholders'fund	-10.99	-9.78	12.83	17.31
4	Net Retention Ratio	85.91	89.90	84.13	89.29
5	Net Commission Ratio	30.69	18.38	20.79	19.62
6	Expense of Management to Gross Direct Premium Ratio	0.83	0.73	0.77	0.71
7	Combined Ratio	81.75	71.06	79.97	70.85
8	Technical Reserves to net premium ratio	92.15	242.55	14.36	214.43
9	Underwriting balance ratio	-41.38	-20.45	2.89	9.76
10	Operationg Profit Ratio	-70.84	-13.37	11.49	18.99
11	Liquid Assets to liabilities ratio	10.74	35.65	44.62	28.80
12	Net earning ratio	-54.00	-8.32	7.95	14.57
13	return on net worth ratio	-17.47	-7.77	1.65	10.49
14	Available Solvency argin Ratio to Required Solvency Margin Ratio	2.27	2.32	5.78	4.11
15	NPA Ratio	-	-	-	-
-	Gross NPA Ratio	2.01	2.01	3.16	3.16
-	Net NPA Ratio	0.59	0.59	1.37	1.37
Equity Holding Pattern for Non-Life Insurers			(Rs in Lakhs)	-	-
1	(a) No. of shares	-	43000000	-	43000000
2	(b) Percentage of shareholding (Indian / Foreign)	-	100 % Indian	-	100 % Indian
3	( c) %of Government holding (in case of public sector insurance companies)	-	100%	-	100%
4	(a) Basic and diluted EPS before extraordinary items (net of tax expense) for the period (not to be annualized)	-	-171	-	246
5	(b) Basic and diluted EPS after extraordinary items (net of tax expense) for the period (not to be annualized)	-	-171	-	246
6	(iv) Book value per share (Rs)	-	2138	-	2370
Combined Ratio : is calculated taking into consideration Claims Paid + EOM + Commission Paid		-	-	-	-