खुद बीमा शुल्कमा मजबुत वृद्धि: बढ्दो खर्चले नाफा प्रभावितStrong Growth in Net Insurance Premium: Rising Expenses Impact Profit
सन नेपाल लाइफ इन्सुरेन्सले चालु आर्थिक वर्षको दोस्रो त्रैमासको वित्तीय विवरण सार्वजनिक गरेको छ। खुद नाफा गत वर्षको सोही अवधिको तुलनामा १४.०५ प्रतिशतले घटेर २८ करोड २२ लाख रुपैयाँमा सीमित भएको छ। अघिल्लो वर्ष यो कम्पनीले ३२ करोड ८४ लाख रुपैयाँ खुद नाफा कमाएको थियो।
वित्तीय तथ्यांक
🔹 खुद नाफा (Net Profit): Rs. 282.27 million (14.05% गिरावट)
🔹 खुद बीमा शुल्क (Net Earned Premium): Rs. 2.18 billion (37.81% वृद्धि)
🔹 कुल आम्दानी (Total Income): Rs. 2.94 billion (44.28% वृद्धि)
🔹 लगानी तथा कर्जाबाट हुने आम्दानी (Investment & Loan Income): Rs. 437.89 million (0.57% वृद्धि)
🔹 कुल खर्च (Total Expenses): Rs. 2.65 billion (55.47% वृद्धि)
🔹 प्रतिसेयर आम्दानी (EPS): Rs. 14.25 (Increase of Rs. 3.99)
🔹 नेटवर्थ प्रतिशेयर (Net Worth Per Share): Rs. 166.12
🔹 चुक्ता पुँजी (Paid-Up Capital): Rs. 3.96 billion
🔹 रिटेन्ड अर्निङ (Retained Earnings): Rs. 771.7 million
आम्दानीमा वृद्धि ?
📈 खुद बीमा शुल्क ३७.८१% ले वृद्धि – कम्पनीको बीमा व्यवसाय विस्तार भएको संकेत।
📈 कुल आम्दानी ४४.२८% ले बढ्यो – बीमा शुल्क वृद्धि भएकाले।
📉 खर्च ५५.४७% ले बढ्दा नाफा घट्यो – सञ्चालन तथा अन्य खर्च नियन्त्रण गर्न नसक्दा।
प्रतिसेयर आम्दानी (EPS) मा सुधार
कम्पनीको EPS १०.२६ बाट १४.२५ रुपैयाँ पुगेको छ, जसले प्रति शेयर आम्दानीमा सकारात्मक प्रभाव देखाउँछ।
सन नेपाल लाइफ इन्सुरेन्सले बीमा शुल्क आर्जनमा उल्लेखनीय वृद्धि गरे पनि खर्च वृद्धि नियन्त्रण गर्न नसक्दा नाफा घट्न पुगेको छ। यद्यपि, प्रतिसेयर आम्दानीमा सुधार आएको छ, जसले लगानीकर्ताका लागि सकारात्मक संकेत दिन सक्छ।
Sun Nepal Life Insurance has published its second-quarter financial report for the current fiscal year. The company’s net profit has decreased by 14.05% compared to the same period last year, reaching Rs. 282.27 million. In the previous year, the company had recorded Rs. 328.41 million in net profit.
Financial data
🔹 Net Profit: Rs. 282.27 million (14.05% decline)
🔹 Net Earned Premium: Rs. 2.18 billion (37.81% increase)
🔹 Total Income: Rs. 2.94 billion (44.28% increase)
🔹 Income from Investment & Loans: Rs. 437.89 million (0.57% increase)
🔹 Total Expenses: Rs. 2.65 billion (55.47% increase)
🔹 Earnings Per Share (EPS): Rs. 14.25 (Increase of Rs. 3.99)
🔹 Net Worth Per Share: Rs. 166.12
🔹 Paid-Up Capital: Rs. 3.96 billion
🔹 Retained Earnings: Rs. 771.7 million
Increase in income?
📈 Net Earned Premium Increased by 37.81% – Indicating growth in the insurance business.
📈 Total Income Increased by 44.28% – Driven by higher insurance premium collection.
📉 Expenses Rose by 55.47%, Leading to Lower Profit – Increased operational and administrative costs impacted the bottom line.
Improvement in Earnings Per Share (EPS)
Despite the decline in profit, the EPS improved from Rs. 10.26 to Rs. 14.25, indicating better per-share earnings performance.
Sun Nepal Life Insurance has seen strong growth in premium income, but rising expenses have significantly impacted its profit margins. However, the increase in EPS is a positive sign for investors.
