2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | |
Statements of financial position (THB m) | ||||||||
---|---|---|---|---|---|---|---|---|
Assets | 26,344 | 12,817 | 13,566 | 14,224 | 12,328 | 9,755 | 7,667 | 6,823 |
|
14,281 | 8,164 | 8,213 | 9,130 | 7,563 | 5,781 | 4,350 | 4,276 |
Liabilities | 24,358 | 10,048 | 9,588 | 8,977 | 7,463 | 6,159 | 4,173 | 3,218 |
|
15,652 | 4,300 | 4,223 | 4,183 | 3,618 | 3,611 | 2,862 | 2,538 |
Shareholders' Equity | 1,985 | 2,769 | 3,979 | 5,247 | 4,865 | 3,596 | 3,494 | 3,605 |
|
0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
|
1,985 | 2,769 | 3,979 | 5,247 | 4,865 | 3,596 | 3,494 | 3,605 |
Income Statement (THB m) | ||||||||
Gross Premium Written | 4,530 | 4,714 | 5,262 | 5,183 | 4,903 | 4,849 | 4,455 | 4,329 |
Net Premium Written | 4,176 | 4,462 | 3,314 | 3,404 | 3,041 | 3,483 | 3,498 | 3,944 |
|
859 | 815 | 778 | 1,271 | 1,349 | 1,801 | 1,540 | 1,615 |
|
3,317 | 3,647 | 2,536 | 2,133 | 1,691 | 1,682 | 1,958 | 2,329 |
Net Earned Premium | 4,176 | 4,426 | 4,112 | 3,349 | 3,171 | 3,359 | 3,609 | 3,750 |
Net Claims | 7,015 | 4,478 | 1,794 | 1,461 | 1,485 | 1,842 | 1,977 | 1,836 |
Acquisition Expenses | 1,781 | 1,931 | 1,910 | 1,438 | 1,661 | 1,777 | 1,669 | 1,671 |
Underwriting Profit | ||||||||
|
-4,620 | -1,973 | 417 | 464 | 25 | -260 | -38 | 243 |
|
256 | 461 | 601 | 558 | 480 | 305 | 193 | 332 |
Operating Expenses | 138 | 189 | 142 | 200 | 211 | 208 | 197 | 203 |
Net Non-Insurance Income | 3,279 | 1,452 | 1,555 | 792 | 1,359 | -260 | 349 | 171 |
Interest Expenses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
EBT | -1,478 | -719 | 1,821 | 1,042 | 1,171 | -727 | 115 | 212 |
Income Tax (Revenue) Expense | -363 | 676 | 324 | 167 | 541 | 309 | 20 | 17 |
Non-Controlling Interests | 0 | 0 | 0 | 0 | 0 | |||
Profit of the Company | -1,116 | -1,395 | 1,497 | 875 | 631 | -1,037 | 95 | 195 |
Per Share Basis (THB/share) | ||||||||
EPS | -0.318 | -0.37 | 0.36 | 0.21 | 0.15 | -0.25 | 0.02 | 0.05 |
DPS | 0 | 0 | 0 | 0.15 | 0.10 | 0 | 0 | 0 |
BVPS | 0.57 | 0.66 | 0.94 | 1.24 | 1.15 | 0.85 | 0.83 | 0.86 |
Key Ratio | ||||||||
Profitability | ||||||||
Net Loss Ratio | 168.0 | 101.2 | 43.6 | 43.6 | 46.8 | 54.8 | 54.8 | 49.0 |
Acquisition Expenses Ratio | 42.6 | 42.7 | 47.7 | 42.9 | 52.4 | 52.9 | 46.3 | 44.6 |
Operating Expenses Ratio | 3.3 | 4.2 | 4.3 | 5.9 | 6.7 | 5.6 | 5.4 | 5.4 |
Combined Ratio | ||||||||
|
213.9 | 148.1 | 95.6 | 92.4 | 105.9 | 113.3 | 106.5 | 98.9 |
|
98.7 | 99.0 | 95.6 | 92.4 | 105.9 | 113.3 | 106.5 | 98.9 |
|
95.0 | 87.7 | 83.8 | 88.5 | 90.7 | 96.2 | 98.6 | 96.1 |
ROI | 19.9 | 12.6 | 18.8 | 9.1 | 17.4 | -3.5 | 7.2 | 4.9 |
ROA | -3.8 | -7.1 | 11.3 | 6.3 | 0.05 | -9.4 | 1.1 | 2.7 |
ROE | -43.0 | -58.7 | 44.4 | 19.0 | 12.50 | -24.5 | 2.7 | 5.5 |
Solvency | ||||||||
CAR (%) | 209 | 158 | 297 | 339 | 331 | 302 | 335 | 431* |
Noted: * : was the CAR ratio at the end of Q3/20 |
2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | |
Statements of financial position (THB m) | ||||||||
---|---|---|---|---|---|---|---|---|
Assets | 27,910 | 14,682 | 15,112 | 14,418 | 12,395 | 9,755 | 7,813 | 7,007 |
|
15,282 | 9,378 | 9,875 | 9,124 | 7,404 | 5,660 | 4,258 | 4,199 |
Liabilities | 25,082 | 10,899 | 9,656 | 9,038 | 7,529 | 6,222 | 4,263 | 3,325 |
|
15,652 | 4,300 | 4,223 | 4,183 | 3,618 | 3,611 | 2,862 | 2,538 |
Shareholders' Equity | 2,828 | 3,782 | 5,456 | 5,380 | 4,866 | 3,620 | 3,549 | 3,681 |
|
555 | 728 | 44 | 60 | 0 | 0 | 0 | 0 |
|
2,273 | 3,054 | 5,412 | 5,320 | 4,866 | 3,620 | 3,549 | 3,681 |
Income Statement (THB m) | ||||||||
Gross Premium Written | 4,530 | 4,714 | 5,262 | 5,183 | 4,903 | 4,849 | 4,455 | 4,329 |
Net Premium Written | 4,176 | 4,462 | 3,314 | 3,404 | 3,041 | 3,483 | 3,498 | 3,944 |
|
859 | 815 | 778 | 1,271 | 1,349 | 1,801 | 1,540 | 1,615 |
|
3,317 | 3,647 | 2,536 | 2,133 | 1,691 | 1,682 | 1,958 | 2,329 |
Net Earned Premium | 4,176 | 4,426 | 4,112 | 3,349 | 3,171 | 3,359 | 3,609 | 3,750 |
Net Claims | 7,015 | 4,478 | 1,794 | 1,461 | 1,485 | 1,842 | 1,977 | 1,836 |
Acquisition Expenses | 1,782 | 1,930 | 1,910 | 1,438 | 1,661 | 1,777 | 1,669 | 1,671 |
Underwriting Profit | ||||||||
|
-4,620 | -1,973 | 417 | 464 | 25 | -260 | -38 | 243 |
|
256 | 461 | 601 | 558 | 480 | 305 | 193 | 332 |
Operating Expenses | 126 | 180 | 132 | 187 | 199 | 200 | 187 | 189 |
Net Non-Insurance Income | 1,262 | 947 | 3,096 | 108 | 447 | -227 | 388 | 200 |
Interest Expenses | 0.8 | 0.5 | 0.2 | 0.4 | ||||
EBT | -3,484 | -1,215 | 3,372 | 372 | 272 | -688 | 164 | 255 |
Income Tax (Revenue) Expense | -730 | 536 | 642 | 69 | 368 | 324 | 39 | 33 |
Non-Controlling Interests | 45 | 202 | 74 | 25 | 15 | 0 | 0 | 0 |
Profit of the Company | -2,799 | -1,953 | 2,655 | 278 | -111 | -1,012 | 125 | 222 |
Per Share Basis (THB/share) | ||||||||
EPS | -0.80 | -0.52 | 0.63 | 0.07 | -0.03 | -0.24 | 0.03 | 0.05 |
DPS | 0.00 | 0.00 | 0.00 | 0.15 | 0.10 | 0.00 | 0.00 | 0.00 |
BVPS | 0.65 | 0.72 | 1.28 | 1.26 | 1.15 | 0.86 | 0.84 | 0.87 |
Key Ratio | ||||||||
Profitability | ||||||||
Net Loss Ratio | 168 | 101.2 | 43.6 | 43.6 | 46.8 | 54.8 | 54.8 | 49.0 |
Acquisition Expenses Ratio | 42.4 | 43.3 | 47 | 42.9 | 52.4 | 52.9 | 46.3 | 44.6 |
Operating Expenses Ratio | 3.6 | 3.4 | 4.7 | 5.9 | 6.3 | 5.3 | 5.2 | 5.1 |
Combined Ratio | ||||||||
|
213.9 | 147.9 | 95.3 | 92.4 | 105.5 | 113.1 | 106.2 | 98.6 |
|
98.7 | 98.8 | 95.3 | 92.4 | 105.5 | 113.1 | 106.2 | 98.6 |
|
94.5 | 87.4 | 83.5 | 88.1 | 90.3 | 95.9 | 98.3 | 95.7 |
ROI | 4.6 | 4.7 | 4.6 | 4.9 | 5.1 | -4.2 | 6.4 | 3.7 |
ROA | -9.1 | -9.2 | 17.8 | 2.1 | -0.7 | -9.1 | 1.4 | 3.0 |
ROE | -97.4 | -73.3 | 62.7 | 5.2 | -2.2 | -23.8 | 3.5 | 6.1 |
Solvency | ||||||||
CAR (%) | 209 | 158 | 297 | 339 | 331 | 302 | 335 | 431* |
Noted: * : was the CAR ratio at the end of Q3/20 |