आधिकारिक सूचनाOfficial AnnouncementFinancial Analysis
15 Aug, 2026
प्रोटेक्टिभ माइक्रो इन्स्योरेन्सको चौथो त्रैमासिक वित्तीय विवरणProtective Micro Insurance Fourth Quarter Financial Results
- वर्ग:Category:
- Financial Analysis
- प्रकाशित मिति:Published:
- Published on August 15, 2026
Quarterly Financial Results for (Fourth quarter), F.Y. 2082/83 B.S
CONDENSED CONSOLIDATED STATEMENT OF FINANCIAL POSITION
| Particulars At the end of this Quarter (Unaudited) At the end of | Immediate | Previous Year (Audited) |
|---|---|---|
| Assets: | ||
| Goodwill & Intangible Assets | 12,390,698 | 12,719,262 |
| Property and Equipment | 29,842,779 | 32,605,963 |
| Investment Properties | - | - |
| Deferred Tax Assets | 9,837,673 | 4,684,160 |
| Investment in Subsidiaries | - | - |
| Investment in Associates | - | - |
| Investments | 556,608,151 | 564,111,378 |
| Loans | - | - |
| Reinsurance Assets | 202,055,851 | 141,450,683 |
| Current Tax Assets | 19,474,166 | 15,619,236 |
| Insurance Receivables | - | - |
| Other Assets | 15,865,715 | 2,510,096 |
| Other Financial Assets | 3,304,845 | 507,752 |
| Cash and Cash Equivalent | 148,246,967 | 14,312,824 |
| Total Assets | 997,626,846 | 788,521,355 |
| Equity: | ||
| Share Capital | 525,000,000 | 525,000,000 |
| Share Application Money Pending Allotment | - | - |
| Share Premium | - | - |
| Special Reserve | 5,320,327 | 2,319,759 |
| Catastrophe Reserves | 532,033 | 231,976 |
| Retained Earnings | (168,993) | (2,340,139) |
| Other Equity | 5,213,525 | 4,684,160 |
| Total Equity | 535,896,892 | 529,895,757 |
| Liabilities: | ||
| Provisions | 3,399,316 | 3,150,012 |
| Gross Insurance Contract Liabilities | 326,651,792 | 205,524,503 |
| Deferred Tax Liabilities | - | - |
| Insurance Payable | 85,264,051 | 35,301,684 |
| Current Tax Liabilities | - | - |
| Borrowings | - | - |
| Other Liabilities | 33,388,637 | 13,394,145 |
| Other Financial Liabilities | 13,026,156 | 1,255,254 |
| Total Liabilities | 461,729,954 | 258,625,598 |
| Total Equity and Liabilities | 997,626,846 | 788,521,355 |
OTHER DETAILS
For the Fourth Quarter (32nd Ashad 2083)
| Particulars | Current Year Upto this Quarter (YTD) | Previous Year Upto this Quarter (YTD) |
|---|---|---|
| 1. Total Issued Policy Count (Only for Non Life and Non Micro Life) | 151,191 | 103,993 |
| 2. Total Renewed Policy Count (Only for Non Life and Non Micro Life) | 5,352 | 2,232.00 |
3. Total Claims Paid Count 670 530
4. Outstanding Claims Count 964 219
| 5. Gross Outstanding Claim including IBNR and IBNER | 76,557,779 | 34,478,472 |
| 6. Net Outstanding Claim including IBNR and IBNER | 28,573,366 | 9,673,174 |
| 7. Margin Over Best Estimate | 421,612 | 143,136 |
| 8. Unearned Premium Reserve(Amount) | 201,707,173 | 43,912,406 |
| 9. Unexpired Risk Reserve(Amount) | - | - |
| 10. Earthquake Premium Reserve(Amount) | - | - |
| 11. Long Term Investments (Amount) | 443,394,187 | 481,000,000 |
| 12. Short Term Investments (Amount) | 130,500,000 | 30,000,000 |
| 13. Direct Premium (Amount) | 349,678,262 | 175,711,534 |
| 14. Investment in cost (Amount) | 573,894,187 | 563,965,028 |
| 15. Solvency Margin Ratio | 1.55 | 1.83 |
Note:
Quarterly Financial Results for (Fourth quarter), F.Y. 2082/83 B.S
CONDENSED CONSOLIDATED STATEMENT OF FINANCIAL POSITION
| Particulars At the end of this Quarter (Unaudited) At the end of | Immediate | Previous Year (Audited) |
|---|---|---|
| Assets: | ||
| Goodwill & Intangible Assets | 12,390,698 | 12,719,262 |
| Property and Equipment | 29,842,779 | 32,605,963 |
| Investment Properties | - | - |
| Deferred Tax Assets | 9,837,673 | 4,684,160 |
| Investment in Subsidiaries | - | - |
| Investment in Associates | - | - |
| Investments | 556,608,151 | 564,111,378 |
| Loans | - | - |
| Reinsurance Assets | 202,055,851 | 141,450,683 |
| Current Tax Assets | 19,474,166 | 15,619,236 |
| Insurance Receivables | - | - |
| Other Assets | 15,865,715 | 2,510,096 |
| Other Financial Assets | 3,304,845 | 507,752 |
| Cash and Cash Equivalent | 148,246,967 | 14,312,824 |
| Total Assets | 997,626,846 | 788,521,355 |
| Equity: | ||
| Share Capital | 525,000,000 | 525,000,000 |
| Share Application Money Pending Allotment | - | - |
| Share Premium | - | - |
| Special Reserve | 5,320,327 | 2,319,759 |
| Catastrophe Reserves | 532,033 | 231,976 |
| Retained Earnings | (168,993) | (2,340,139) |
| Other Equity | 5,213,525 | 4,684,160 |
| Total Equity | 535,896,892 | 529,895,757 |
| Liabilities: | ||
| Provisions | 3,399,316 | 3,150,012 |
| Gross Insurance Contract Liabilities | 326,651,792 | 205,524,503 |
| Deferred Tax Liabilities | - | - |
| Insurance Payable | 85,264,051 | 35,301,684 |
| Current Tax Liabilities | - | - |
| Borrowings | - | - |
| Other Liabilities | 33,388,637 | 13,394,145 |
| Other Financial Liabilities | 13,026,156 | 1,255,254 |
| Total Liabilities | 461,729,954 | 258,625,598 |
| Total Equity and Liabilities | 997,626,846 | 788,521,355 |
OTHER DETAILS
For the Fourth Quarter (32nd Ashad 2083)
| Particulars | Current Year Upto this Quarter (YTD) | Previous Year Upto this Quarter (YTD) |
|---|---|---|
| 1. Total Issued Policy Count (Only for Non Life and Non Micro Life) | 151,191 | 103,993 |
| 2. Total Renewed Policy Count (Only for Non Life and Non Micro Life) | 5,352 | 2,232.00 |
3. Total Claims Paid Count 670 530
4. Outstanding Claims Count 964 219
| 5. Gross Outstanding Claim including IBNR and IBNER | 76,557,779 | 34,478,472 |
| 6. Net Outstanding Claim including IBNR and IBNER | 28,573,366 | 9,673,174 |
| 7. Margin Over Best Estimate | 421,612 | 143,136 |
| 8. Unearned Premium Reserve(Amount) | 201,707,173 | 43,912,406 |
| 9. Unexpired Risk Reserve(Amount) | - | - |
| 10. Earthquake Premium Reserve(Amount) | - | - |
| 11. Long Term Investments (Amount) | 443,394,187 | 481,000,000 |
| 12. Short Term Investments (Amount) | 130,500,000 | 30,000,000 |
| 13. Direct Premium (Amount) | 349,678,262 | 175,711,534 |
| 14. Investment in cost (Amount) | 573,894,187 | 563,965,028 |
| 15. Solvency Margin Ratio | 1.55 | 1.83 |
Note:
Advertisement