Sagarmatha Lumbini Insurance Co. Limited · Quarterly report

SALICO Q4 Financial Report — FY 2082/83

Sagarmatha Lumbini Insurance Co. Limited (SALICO) posted a year-to-date net profit of Rs 31.31 Cr at the end of Q4 FY 2082/83, down 22.3% from Rs 40.32 Cr a year earlier. Annualised EPS is Rs 11.94 against Rs 15.37 in Q4 FY 2081/82.

Q4 FY 2082/83 vs Q4 FY 2081/82

Metric	Q4 2082/83	Q4 2081/82	Change
Paid Up Capital	2.62 Arb	2.62 Arb	+0.0%
Reserves and Surplus	3.24 Arb	3.42 Arb	-5.4%
Insurance Fund	0	0	—
Catastrophic Reserve	24.48 Cr	22.93 Cr	+6.7%
Total Equity	6.10 Arb	6.27 Arb	-2.7%
Total Assets	12.60 Arb	15.15 Arb	-16.9%
Long Term Investment and Loans	2.19 Arb	2.09 Arb	+4.7%
Short Term Investment and Loans	3.67 Arb	4.63 Arb	-20.8%
Total Investment and Loans	5.86 Arb	6.72 Arb	-12.9%
Total Revenue	3.25 Arb	3.12 Arb	+4.3%
Income From Investment Loans And Others	23.33 Cr	34.25 Cr	-31.9%
Total Expenses And Provisions	2.81 Arb	2.54 Arb	+10.3%
Management Expenses	0	0	—
Net Profit	31.31 Cr	40.32 Cr	-22.3%
Net Premium	2.34 Arb	2.11 Arb	+10.7%
Net Claim Payment	1.87 Arb	1.69 Arb	+10.3%
Gross Premium Earned	4.76 Arb	5.01 Arb	-4.9%
Total No of Issued Policies	27.00 Cr	15.37 Cr	+75.7%
Gross Claim Payments	4.96 Arb	3.63 Arb	+36.9%
Claims Payables	0	0	—
Number of Shares	2.62 Cr	2.62 Cr	+0.0%
EPS Reported	11.94	15.37	-22.3%
Book Value Reported	232.72	239.12	-2.7%
ROE Reported	5.13%	6.43%	-1.30 pp

Amounts in Rs and year-to-date; ratios change in percentage points (pp). For NPL and cost of funds, lower is better.

SALICO last 8 quarters

Metric	Q1 2081/82	Q2 2081/82	Q3 2081/82	Q4 2081/82	Q1 2082/83	Q2 2082/83	Q3 2082/83	Q4 2082/83
Net profit	-89,509,890	6.59 Cr	25.19 Cr	40.32 Cr	-267,372,210	3.73 Cr	13.32 Cr	31.31 Cr
EPS	-13.65	5.02	12.81	15.37	-40.78	2.85	6.77	11.94
Book value	241.40	245.18	248.82	239.12	229.48	227.43	233.64	232.72