एनएलजी इन्स्योरेन्स कम्पनी लिमिटेड
सबैको सुरक्षा, एनएलजीको ईन्स्योरेन्स
Quarterly Financial Results for ...
CONDENSED CONSOLIDATED STATEMENT OF FINANCIAL POSITION
Unaudited Audited
Fig in NPR.
| Particulars At the end of this Quarter At the end of | Immediate | Previous Year |
|---|---|---|
| Assets: | ||
| Goodwill & Intangible Assets | 861,046 | 1,076,307 |
| Property and Equipment | 110,852,915 | 112,846,397 |
| Investment Properties | - | - |
| Deferred Tax Assets | 60,663,960 | 59,768,574 |
| Investment in Subsidiaries | - | - |
| Investment in Associates | - | - |
| Investments | 3,063,736,573 | 3,977,897,240 |
| Loans | 57,084,439 | 29,397,532 |
| Reinsurance Assets | 2,947,106,247 | 2,568,051,105 |
| Current Tax Assets | 179,593,060 | 118,070,966 |
| Insurance Receivables | 1,485,627,410 | 950,199,264 |
| Other Assets | 643,827,821 | 339,168,374 |
| Other Financial Assets | 9,019,918 | 149,548,172 |
| Cash and Cash Equivalent | 500,416,558 | 449,962,764 |
| Total Assets | 9,058,789,947 | 8,755,986,695 |
| Equity: | ||
| Share Capital | 2,667,833,409 | 2,565,224,432 |
| Share Application Money Pending Allotment | - | - |
| Share Premium | 138,524,483 | 271,916,153 |
| Special Reserves | 1,420,213,017 | 1,391,306,952 |
| Catastrophe Reserves | 89,487,999 | 86,597,393 |
| Retained Earnings | 11,700,479 | 91,382,049 |
| Other Equity | 110,581,066 | 176,680,354 |
| Total Equity | 4,438,340,453 | 4,583,107,332 |
| Liabilities: | ||
| Provisions | 155,830,899 | 122,418,569 |
| Gross Insurance Contract Liabilities | 3,816,723,696 | 3,325,818,849 |
| Deferred Tax Liabilities | - | - |
| Insurance Payable | 99,960,441 | 89,605,941 |
| Current Tax Liabilities | - | - |
| Borrowings | - | - |
| Other Liabilities | 379,288,290 | 583,673,578 |
| Other Financial Liabilities | 168,646,168 | 51,362,426 |
| Total Liabilities | 4,620,449,494 | 4,172,879,363 |
| Total Equity and Liabilities | 9,058,789,947 | 8,755,986,695 |
CONDENSED CONSOLIDATED STATEMENT OF PROFIT OR LOSS
Unaudited Unaudited Audited Audited
Fig in NPR.
| Particulars Current Year This Quarter Current Year Upto this Quarter (YTD) Corresponding Previous Year This Quarter Corresponding Previous Year Upto this Quarter (YTD) | ||||
| Income: | ||||
| Gross Earned Premiums | 1,295,792,902 | 4,025,673,979 | 1,010,038,048 | 2,886,416,884 |
| Premiums Ceded | -850,706,209 | -2,866,034,681 | -693,017,253 | -1,903,595,891 |
| Net Earned Premiums | 445,086,694 | 1,159,639,298 | 317,020,796 | 982,820,993 |
| Commission Income | 30,097,904 | 424,903,222 | 197,480,781 | 427,940,103 |
| Other Direct Income | 17,493,151 | 29,776,739 | 11,345,721 | 23,833,248 |
| Income from Investments and Loans | 37,873,735 | 161,721,427 | 30,976,198 | 165,205,209 |
Net Gain/(Loss) on Fair Value
Notes:
a. Detailed Interim Financial Statements have been uploaded in the website of the company (https://www.nlgi.com.np/)
b. Current year figures presented are unaudited, and may change pursuant to instructions of audit or actuarial report.
1. Solvency Ratio related disclosure:
Solvency Ratio (As at 16th ...)
2. Reinsurance related disclosure:
The company has maintained adequate reinsurance arrangement including catastrophic coverage which is sufficient to meet claims arising out of catastrophic events. The company has reinsurance agreement with rated (i.e., Hannover Re) which satisfies the minimum required rating. Furthermore, required reinsurance reserve has been created as per Reinsurance Directive, 2080 and the ammentments thereto.
3. Details regarding legal proceedings:
No information regarding any legal cases filed by or against the company during this quarter has been received except the cases related to normal course of financial crime and committin...
4. Corporate Governance:
The company has complied with the Corporate Governance Directive issued by Insurance Authority and time to time instructions. Internal controls, internal and external audits have also been strengthened in compliance with rules and regulations.
5. Regulatory limit on expenses of management:
The provision of regulatory limit on expenses has been introduced as per Insurance Rules, 2081. Hence, ...
धितोपत्र दर्ता तथा निष्काशन नियमावली...
आ.ब. २०८१/०८२ को चौ...
(१) वित्तीय विवरण :
क) त्रैमासिक अवधिको वासलात, नाफा नोक्सान सम्बन्धी विवरण :
यस कम्पनीको आ.व. २०८१/०८२... (Provisional) वासलात, नाफा नोक्सान विवरण यसै साथ प्रकाशित गरिएको छ ।
ख) प्रमुख वित्तीय अनुपातहरु :
प्रति शेयर आम्दानी (EPS) रु. २.१७
मूल्य आम्दानी अनुपात (PE Ratio) २५७....
(२) व्यवस्थापकीय विश्लेषण :
स्तरीय सेवाका कारण बीमितहरुको संख्यामा वृद्धि हुनुका साथै कम्पनीको समग्र बीमा व्यवसाय निरन्तर रुपमा वृद्धि भईरहेको छ । शाखा संजाल थप विस्तार गर्दै जाने रणनीति कम्पनीको रहेको छ ।
पो.ब.नं. २०६००, पानीपोखरी, लाजिम्पाट, काठमाण्डौं, नेपाल
फोन नं. ०१-४००६६२५, ४५४२६४६, ४५१८११३
ईमेल : [email protected] वेबसाईट www.nlgi.com.np
Fourth Quarter, F.Y. 2082/83 B.S
STATEMENT OF FINANCIAL POSITION
As At 16th July, 2026 (Asadh End 2083)
AS PER NFRS17-"INSURANCE CONTRACTS"
Fig in NPR
Particulars 2025-26 Restated 2024-25
| Assets | ||
| Goodwill & Intangible Assets | 861,046 | 1,076,307 |
| Property and Equipment | 110,852,915 | 112,846,397 |
| Investment Properties | - | - |
| Deferred Tax Assets | 46,794,542 | 59,768,574 |
| Investment in Subsidiaries | - | - |
| Investment in Associates | - | - |
| Investments | 3,063,736,573 | 3,977,897,240 |
| Loans | 57,084,439 | 29,397,532 |
| Reinsurance Assets | 3,922,963,559 | 3,153,273,436 |
| Current Tax Assets | 179,593,060 | 118,070,966 |
| Other Assets | 818,180,876 | 258,777,196 |
| Other Financial Assets | 9,019,918 | 149,548,172 |
| Cash and Cash Equivalent | 500,416,558 | 449,962,764 |
| Total Assets | 8,709,503,486 | 8,310,618,584 |
| Equity & Liabilities | ||
| Equity | ||
| Share Capital | 2,667,833,409 | 2,565,224,432 |
| Share Application Money Pending Allotment | - | - |
| Share Premium | 138,524,483 | 271,916,153 |
| Special Reserves | 1,420,213,017 | 1,391,306,952 |
| Catastrophe Reserves | 89,487,999 | 86,597,393 |
| Retained Earnings | 14,168,857 | 94,876,908 |
| Other Equity | 110,581,066 | 176,680,354 |
Section 84(3) of Insurance Act, 2079
Solvency Ratio
July, 2025) (in %) 424.50
the Corporate Governance directive as issued by Nepal time amendments issued thereto. In addition to this, internal een conducted for compliance with the guidelines and internal
र निष्काशन नियमावली २०७३ को अनुसूची १४
म २६ को उपनियम (१) संग सम्बन्धित)
चौथो त्रैमासिक (२०८३ असार मसान्त) सम्मको प्रतिवेदन
ना नोक्सान सम्बन्धी विवरण ।
०८३ को चौथो त्रैमासिक अवधि सम्मको लेखापरीक्षण नभएको क्सान तथा अन्य व्यापक आम्दानी सम्बन्धी विवरण यसै साथ प्रकाशित
प्रति शेयर नेटवर्थ रु. प्रति शेयर कुल सम्पत्तिको मूल्य रु.
१४ १६६.३६ ३३९.५६
विश्वास हासिल गर्न यो कम्पनी सफल भएको छ । यसैले कम्पनीको हुदै गईरहेको छ । आगामी दिनहरुमा सबै क्षेत्रहरुमा अझ बढि सेवा
| Changes | - | - | - | - |
| Net Realised Gains/(Losses) | - | - | - | - |
| Other Income | - | 59,929,634 | 45,369,498 | 45,369,498 |
| Total Income | 530,551,484 | 1,835,970,320 | 602,192,994 | 1,645,169,051 |
| Expenses: | ||||
| Gross Claims Paid | 1,307,773,001 | 3,336,878,988 | 715,430,985 | 2,425,944,219 |
| Claims Ceded | -964,167,686 | -2,323,003,184 | -485,969,321 | -1,796,514,025 |
| Gross Change in Contract Liabilities | 626,836,350 | 1,936,345,845 | 119,639,674 | 169,664,193 |
| Change in Contract Liabilites Ceded to Reinsurers | -650,235,846 | -1,890,070,837 | -124,544,566 | -128,135,833 |
| Net Claims Incurred | 320,205,819 | 1,060,150,812 | 224,556,772 | 670,958,554 |
| Commission Expenses | 45,618,068 | 106,038,122 | 43,319,839 | 91,038,654 |
| Service Fees | 3,103,529 | 9,189,106 | 426,241 | 7,355,810 |
| Other Direct expenses | -9,140,442 | 1,692,650 | 13,210,243 | 15,847,644 |
| Employee Benefits Expenses | 88,187,097 | 353,128,901 | 126,782,763 | 349,405,105 |
| Depreciation and Amortization Expenses | 6,996,619 | 37,155,673 | 1,594,260 | 36,815,599 |
| Impairment Losses | 9,782,786 | 57,500,000 | 46,395,767 | 46,395,767 |
| Other Operating Expenses | 42,261,233 | 131,387,151 | 62,792,893 | 158,755,016 |
| Finance Cost | 2,154,098 | 8,616,392 | -473,902 | 8,616,392 |
| Total Expenses | 509,168,807 | 1,764,858,807 | 518,604,877 | 1,385,188,541 |
| Net Profit/(Loss) For The Year Before Share of Net Profits of Associates Accounted for Using Equity Method and Tax | 21,382,677 | 71,111,513 | 83,588,117 | 259,980,511 |
| Share of Net Profit of Associates accounted using Equity Method | - | - | - | - |
| Profit Before Tax | 21,382,677 | 71,111,513 | 83,588,117 | 259,980,511 |
| Income Tax Expenses | -1,619,269 | 13,299,382 | 53,542,111 | 106,592,242 |
| Net Profit/(Loss) For The Year | 23,001,946 | 57,812,132 | 30,046,006 | 153,388,269 |
| Earning Per Share | ||||
| Basic EPS | 2.17 | 5.98 | ||
| Diluted EPS | 2.17 | 5.98 | ||
CONDENSED CONSOLIDATED STATEMENT OF OTHER COMPREHENSIVE INCOME
Fig in NPR.
| Particulars Current Year | This Quarter Current Year Upto | This Quarter (YTD) Corresponding Previous Year | This Quarter Corresponding Previous Year Upto | This Quarter (YTD) |
|---|---|---|---|---|
| Net Profit/(Loss) For The Year | 23,001,946 | 57,812,132 | 30,046,006 | 153,388,269 |
| Other Comprehensive Income | -58,461,675 | -37,432,592 | -998,911 | 17,570,019 |
| Total Comprehensive Income | -35,459,729 | 20,379,540 | 29,047,096 | 170,958,288 |
OTHER DETAILS
| Particulars Current Year Upto This Quarter (YTD) (Unaudited) Previous Year Upto this Quarter (YTD) (Audited) | ||
| 1. Total Issued Policy Count | 223,911 | 199,026 |
| 2. Total Renewed Policy Count | 70,361 | 55,146 |
| 3. Total Claims Paid Count | 13,041 | 11,425 |
| 4. Outstanding Claims Count | 6,565 | 5,129 |
| 5. Gross Outstanding Claim including IBNR and IBNER (Amount) | 2,310,863,153 | 1,691,061,732 |
| 6. Net Outstanding Claim including IBNR and IBNER (Amount) | 315,266,839 | 158,430,088 |
| 7. Margin Over Best Estimate (MOBE) | 44,734,522 | 39,064,874 |
| 8. Net Unearned Premium Reserve (Amount) | 188,891,001 | 273,880,242 |
| 9. Unexpired Risk Reserve (Amount) | 27,797,789 | 27,797,789 |
| 10. Earthquake Premium Reserve (Amount) | 19,676,917 | 19,676,917 |
| 11. Long Term Investments (Amount) | 984,468,573 | 690,987,240 |
| 12. Short Term Investments (Amount) | 2,079,268,000 | 3,286,910,000 |
| 13. Direct Premium (Amount) | 4,019,985,013 | 2,978,885,673 |
| 14. Investment in Cost (Amount) | 3,028,667,607 | 3,884,366,598 |
| 15. Solvency Margin Ratio (in %) | 424.50 | 424.50 |
अवस्थामा गत वर्षको सोही अवधि...
भदौ २३ र २४ मा भएको Gen-Z ... कमी भएको छ ।
(३) कानूनी कारवाही सम्बन्धी विवरण
क) यस त्रैमासिकको अवधिमा कम्पनीव...
ख) यस त्रैमासिकको अवधिमा कम्पनी... फौजदारी अपराध गरेको सम्बन्धमा...
ग) यस त्रैमासिकको अवधिमा कुनै सं... मुद्दा दायर भएको जानकारी नभए...
(४) संगठित संस्थाको शेयर कारोबार...
क) शेयर कारोबार धितोपत्र बजारबा... बजारमा सकारात्मक रहेको छ । ल... व्यवसायिक अभिवृद्धि सँगै कारोवार... अनुरुप हुने अपेक्षा गरिएको छ ।
ख) नेपाल स्टक एक्सचेन्ज लि. को वे... अवधिमा संस्थाको शेयरको कारोबा...
अधिकतम मूल्य रु. ७५९.०० न्यूनतम मूल्य रु. ५४६.०० अन्तिम मूल्य रु. ५५८.००
(५) समस्या तथा चुनौति :
अ) आन्तरिक समस्या र चुनौती
क) बीमा बजारमा बढ्दो प्रतिस्पर्धा ।
ख) सर्वसाधारणमा बीमा सम्बन्धी जन... कर्मचारीहरुमा पर्याप्त तालिमको क...
ग) बीमाक्षेत्रको पहुँच खासगरि ग्रामिण...
घ) बैंक तथा वित्तीय क्षेत्रको व्याजदर ...
ङ) बैंक तथा वित्तीय संस्थामा बढ्दो त...
च) जेन जी आन्दोलन पश्चात अर्थतन्त्र...
आ) बाह्य समस्या र चुनौती
क) अमेरिका र इरान युद्धले विश्व अर्थ... स्फितिले संचालन खर्चमा भएको व...
ख) जलवायु परिवर्तनको कारणले बाढी...
इ) रणनीति :
क) जनशक्तिलाई प्रभावकारी गर्नको ल... उचित प्रोत्साहन प्रदान गर्ने ।
ख) बीमाक्षेत्रको पहुँच पूर्णरुपमा विस्ता...
ग) ग्राहकसंग सुमधुर सम्वन्ध कायम र...
घ) लगानीमा विविधिकरण तथा पुनर्वी...
(६) संस्थागत सुशासन :
संस्थागत सुशासनका लागि कम्प... संस्थागत सुशासन सम्बन्धी निर्देशि... समय-समयमा जारी निर्देशिका र उ... वाह्य लेखापरीक्षण समेत गर्दै आए...
(७) सत्य, तथ्यता सम्बन्धमा कार्यकारी...
आजका मितिसम्म यस प्रतिवेदनमा... म व्यक्तिगत रुपमा पूर्ण उत्तरदायि... प्रतिवेदनमा उल्लेखित विवरणहरु स... कुनै विवरण, सूचना तथा जानकारी...
को तुलनामा ३२ प्रतिशतले बीमा शुल्क वृद्धि भएको छ । साथै २०८२
आन्दोलनको कारणले भएको क्षतिले गर्दा यस समीक्षा अवधिको नाफामा
को तर्फबाट तथा कम्पनी विरुद्धमा कुनै मुद्दा दायर नभएको ।
को संस्थापक वा संचालकको विरुद्धमा प्रचलित नियमको अवज्ञा वा
कुनै मुद्दा दायर भएको जानकारी नभएको ।
स्थापक वा संचालक विरुद्धमा आर्थिक अपराध गरेको सम्बन्धमा कुनै
को ।
सम्बन्धी विश्लेषण :
ट निर्देशित रहने भएता पनि यस कम्पनीको शेयर कारोवार दोश्रो
गानीकर्ताहरुको यस संस्था प्रतिको विश्वास उच्च रहेको हुँदा कम्पनीको
तथा मूल्य सकारात्मक तर्फ उन्मुख भएको हुँदा भविष्यमा समेत सोही
साइट अनुसार मिति २०८३/०१/०१ देखि २०८३/०३/३२ सम्मको
र विवरण देहाय अनुसार छ ।
कारोवार संख्या कारोवारको कुल दिन कारोवार भएको शेयर संख्या शेयर कारोवार रकम रु.
५,९६१.०० ६४.०० ९,०३,२६६.०० ५४,६२,९२,२१६.९०
चेतनाको कमी, बीमा क्षेत्रमा दक्ष कर्मचारीको अभाव तथा मौजुदा कमी ।
क्षेत्रमा पूर्णरुपमा विस्तारित नभएको अवस्था ।
घट्दो क्रममा रहेको र सो को लगानी आयमा हुने प्रभाव ।
तरलताको कारणले लगानीको क्षेत्रमा भएको संकुचनको प्रभाव ।
क्रमा परेको नकारात्मक असर तथा राजनितिक अस्थिरताको प्रभाव ।
र्तन्त्र लगाएत नेपालमा पारेको प्रभाव र सो को कारणले बढ्दो मुद्रा वृद्धि ।
पहिरो तथा दैवि प्रकोपको प्रभाव ।
लागि मौजुदा कर्मचारीहरुलाई निरन्तर रुपमा तालिम प्रदान गर्ने तथा
रित गर्नका लागी थप शाखा सन्जाललाई विस्तारित गर्ने ।
राख्ने तथा ग्राहक सन्तुष्टिलाई केन्द्र विन्दु मानेर सेवा प्रदान गर्ने ।
मा नितिलाई थप परिमार्जन गरी दरिलो बनाउने ।
नी सदैव प्रतिबद्ध रही बीमा ऐन, बीमा नियमावली तथा बीमकको काको पालना गरिएको छ । सोका साथै श्री नेपाल बीमा प्राधिकरणद्वारा आन्तरिक विनियमावली तथा प्रणालीको पालनाका लागि आन्तरिक तथा को छ ।
प्रमुखको उद्घोषणा :
उल्लेखित जानकारी तथा पेश गरेको विवरणहरुको शुद्धता सम्बन्धमा त्व लिन्छु । साथै म यो उद्घोष गर्दछु कि मैले जाने बुझेसम्म यस त्य, तथ्यपूर्ण छन् र लगानीकर्ताहरुलाई समुचित निर्णय लिन आवश्यक ोहरु लुकाइएको छैन ।
| Total Equity | 4,440,808,831 | 4,586,602,191 |
| Liabilities | ||
| Provisions | 155,830,899 | 122,418,569 |
| Gross Insurance Contract Liabilities | 3,493,159,042 | 3,319,694,786 |
| Deferred Tax Liabilities | - | - |
| Current Tax Liabilities | - | - |
| Borrowings | - | - |
| Other Liabilities | 451,058,546 | 230,540,613 |
| Other Financial Liabilities | 168,646,168 | 51,362,426 |
| Total Liabilities | 4,268,694,655 | 3,724,016,393 |
| Total Equity and Liabilities | 8,709,503,486 | 8,310,618,584 |
STATEMENT OF PROFIT OR LOSS AND OTHER COMPREHENSIVE INCOME
For Period 17th July, 2025 - 16th July, 2026
Particulars 2025-26
Insurance Revenue 3,116,236,842
Insurance Service Expenses -6,792,545,529
Insurance Service Result Before Reinsurance Contracts Held -3,676,308,687
Allocation of Reinsurance Premium -1,538,039,468
Amount Recoverable from Reinsurer for incurred claims 5,627,067,253
Net Income (Expenses) from Reinsurance Contract Held 4,089,027,786
Insurance Service Result 412,719,099
Interest revenue 124,767,382
Net Gain/(Loss) on Fair Value Changes -
Net Realised Gains/(Losses) -
Other Investment Revenue 36,954,045
Impairment Reversal/ (Loss) on Financial Assets -
Total Investment Income 161,721,427
Insurance Finance Expenses -15,242,865
Reinsurance Finance Income 19,811,912
Net Insurance Finance Result 4,569,047
Other Income 89,706,373
Other Expenses -587,788,117
Net Other Income/ (Expense) -498,081,744
Profit Before Tax 80,927,828
Income Tax Expenses -20,234,091
Profit/ (Loss) for the Period 60,693,738
Basic EPS 2.28
Diluted EPS 2.28
Profit/ (Loss) for the Period 60,693,738
Other Comprehensive Income -37,432,592
Total Comprehensive Income 23,261,146
