PERIODIC DISCLOSURES
FORM NL-30 Analytical Ratios
Insurer:	General Insurance Corporation of India	Date: 31.12.2015
		(` in Lakhs)
Analytical Ratios for Non-Life companies
Sr. No.	Particular	For the period ended 31.12.2015	For the period ended 31.12.2014
1	Gross Premium Growth Rate	12.07	9.18
2	Gross Premium to shareholders' fund ratio	86.60	87.60
3	Growth rate of shareholders'fund	13.40	26.00
4	Net Retention Ratio	87.51	90.06
5	Net Commission Ratio	21.71	20.15
6	Expense of Management to Gross Direct Premium Ratio	1.10	1.00
7	Combined Ratio	108.29	104.58
8	Technical Reserves to net premium ratio	263.80	263.00
9	Underwriting balance ratio	-7.22	-5.13
10	Operationg Profit Ratio	10.10	15.60
11	Liquid Assets to liabilities ratio	36.60	34.54
12	Net earning ratio	14.77	19.06
13	Return on net worth ratio	11.19	15.03
14	Available Solvency margin Ratio to Required Solvency Margin Ratio	3.52	3.15
15	NPA Ratio
	Gross NPA Ratio	2.48	2.65
	Net NPA Ratio	1.10	0.79
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)	1	1
4	(a) Basic and diluted EPS before extraordinary items (net of tax expense) for the period (not to be annualized)	380.82	451.37
5	(b) Basic and diluted EPS after extraordinary items (net of tax expense) for the period (not to be annualized)	380.82	451.37
6	(iv) Book value per share (Rs)	3404.45	3003.77

Combined Ratio : is calculated taking into consideration Claims Paid + EOM + Commission Paid