annual report 2009-10 - IRDA

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ANNUAL REPORT 2009-10LIFE INSURERS : BALANCE SHEET(AS ON 31 st MARCH)Cont’d... STATEMENT 21(` Lakh)PARTICULARS FUTURE GENERALI IDBI FEDERAL AEGON RELIGARE CANARA HSBC DLF PRAMERICA STAR UNION DAI-ICHI INDIAFIRST# TOTAL2010 2009 2010 2009 2010 2009 2010 2009 2010 2009 2010 2009 2010 2010 2009SOURCES OF FUNDSSHAREHOLDERS’ FUNDS:SHARE CAPITAL 70200 46850 44924 44891 57000 30000 50000 40000 22130 13705 25000 15000 20000 2101923 1825369ADVANCE AGAINST SHARE CAPITAL 18487 15342SHARE APPLICATION MONEY PENDING ALLOTMENT 6258 3404 24503 19886EMPLOYEES STOCK OPTION OUTSTANDING 7908 884RESERVES AND SURPLUS 12500 12500 17000 13000 818302 679577CREDIT/[DEBIT] FAIR VALUE CHANGE ACCOUNT (6) 3 7 (28) 1 0 0 5 48 17 44 3759 (1591)Sub-Total 76452 50257 44930 44863 57001 30000 62500 52500 22131 13710 42048 15017 33044 2974883 2539466BORROWINGS 3278 3948POLICYHOLDERS’ FUNDS:CREDIT/[DEBIT] FAIR VALUE CHANGE ACCOUNT 1 1 13076 1653 11445200 2774512REVALUATION RESERVE-INVESTMENT PROPERTY 6689 3163POLICY LIABILITIES 18884 3217 9778 2526 1323 402 9659 3119 99 4 4318 462 125 86986116 74339003INSURANCE RESERVES 366985 364672PROVISION FOR LINKED LIABILITIES 27838 8471 81402 27766 107644 21388 3081 255 48474 3449 17347 33595999 17392713Sub-Total 46721 11690 91181 30292 14399 2055 117303 24507 3180 259 52793 3911 17472 132404265 94878010DEFERRED TAX LIABILITYFUNDS FOR FUTURE APPROPRIATIONS 2190 0 126 5 2 308257 196318TOTAL 125363 61947 136111 75155 71526 32060 179803 77007 25311 13969 94841 18928 50518 135687405 97613794APPLICATION OF FUNDSINVESTMENTSShareholders’ 10202 15279 19492 29120 10357 5315 14502 27737 8354 7824 35369 12500 32866 943495 727211Policyholders’ 19019 3079 9381 2516 1364 450 9534 3277 165 16 3605 11 125 86721641 66204758ASSETS HELD TO COVER LINKED LIABILITIES 30028 8471 81402 27766 13202 1658 107644 21388 3081 255 48474 3449 17349 34799690 17776656LOANS 8315986 7960813FIXED ASSETS 753 7914 1721 1897 4521 5768 5843 5254 604 1406 2062 2155 2908 483834 485259INCIDENTAL EXPENSES PENDING CAPITALISATIONDEFERRED TAX ASSET 29552 31808CURRENT ASSETSCash and Bank Balances 5254 2224 10853 6180 2526 959 4954 2306 743 464 11649 4348 1533 1764078 2034927Advances and Other Assets 6437 4088 8451 5311 4871 3401 3878 2800 1741 790 3418 630 666 3857746 3452740Sub-Total (A) 11691 6312 19304 11492 7397 4361 8832 5106 2485 1254 15067 4978 2199 5621823 5487667CURRENT LIABILITIES 10694 7885 19123 11043 5247 2541 14138 8723 3034 1156 13660 6107 10104 1628194 1174427Provisions 278 178 136 170 1284 762 117 120 118 76 182 24 29 1622319 1616639Sub-Total (B) 10972 8063 19259 11212 6531 3303 14255 8843 3153 1232 13842 6131 10132 3250513 2791066NET CURRENT ASSETS (C) = (A – B) 719 (1751) 45 280 866 1058 (5423) (3737) (668) 22 1225 (1153) (7934) 2371310 2696601MISCELLANEOUS EXPENDITURE(to the extent not written off or adjusted) 7580 254DEBIT BALANCE IN PROFIT & LOSS ACCOUNT(Shareholders’ Account) 64642 28955 24071 13576 1997 2379 47703 23087 13775 4446 4106 1965 5204 1776151 1537093Debit Balance in Policyholders’ A/c 39220 15432 238166 193342TOTAL 125363 61947 136111 75155 71526 32060 179803 77007 25311 13969 94841 18928 50518 135687405 97613794# Commenced operations during 2009-10124
ANNUAL REPORT 2009-10STATEMENT 22LIFE INSURANCE CORPORATION OF INDIA : POLICYHOLDERS ACCOUNT(NON-PARTICIPATING)2009-10 2008-09(` Lakh)Premiums earned (Net) 778 921Profit/ Loss on sale/redemption of Investments (27) (27)Change in Policy Liabilities (1283) (1291)OthersInterest, Dividend & Rent – (Gross) 1283 1076TOTAL (A) 751 680Claims Incurred (Net) 762 700Commission 14 19Operating Expenses related to Insurance Business 59 91Others- Amortizations, Write offs and Provisions 0 16Foreign TaxesTOTAL (B) 835 826Operating Profit/(Loss) C= (A - B) (84) (146)APPROPRIATIONSTransfer to Shareholders’ AccountTransfer to Catastrophe ReserveTransfer to other ReservesTOTAL (C ) (84) (146)Note: Figures in brackets indicate the negative values.125
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ANNUAL REPORT 2009-10ANNUAL REPORT2
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ANNUAL REPORT 2009-10PART IIISTATUT
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ANNUAL REPORT 2009-1027. Net Incurr
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ANNUAL REPORT 2009-1046. Underwriti
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ANNUAL REPORT 2009-10TEAM AT IRDAJ.
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ANNUAL REPORT 2009-10Prabodh Chande
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ANNUAL REPORT 2009-10NAMEMahesh Aga
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ANNUAL REPORT 2009-10Randip Singh J
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ANNUAL REPORT 2009-10in financial s
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ANNUAL REPORT 2009-10during the yea
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ANNUAL REPORT 2009-10Corporate Gove
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ANNUAL REPORT 2009-108
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ANNUAL REPORT 2009-10during 2009-10
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ANNUAL REPORT 2009-10Insurance pene
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ANNUAL REPORT 2009-103. APPRAISAL O
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ANNUAL REPORT 2009-10Market ShareI.
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ANNUAL REPORT 2009-10I.3.16 The ope
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that companies in the life sector t
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ANNUAL REPORT 2009-10department, un
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ANNUAL REPORT 2009-10declined in ca
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ANNUAL REPORT 2009-10TABLE 23PAID U
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ANNUAL REPORT 2009-10TABLE 28INCURR
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ANNUAL REPORT 2009-10Star Health an
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ANNUAL REPORT 2009-10prevailing as
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ANNUAL REPORT 2009-104.2 MAINTENANC
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ANNUAL REPORT 2009-10I.4.3.3 The Re
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ANNUAL REPORT 2009-10I.4.4.1 During
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ANNUAL REPORT 2009-10TABLE 38DEVELO
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I.4.5.5 Based on a further segregat
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ANNUAL REPORT 2009-10I.4.6.5 The re
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ANNUAL REPORT 2009-10In the days to
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ANNUAL REPORT 2009-10I.4.6.13 The A
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ANNUAL REPORT 2009-10into account w
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ANNUAL REPORT 2009-10actually make
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ANNUAL REPORT 2009-10was a quantum
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ANNUAL REPORT 2009-10TABLE 51GROUP
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ANNUAL REPORT 2009-10II.2.2 The tur
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ANNUAL REPORT 2009-10TABLE 58GROUP
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ANNUAL REPORT 2009-10II.2.12 During
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ANNUAL REPORT 2009-10Since no relie
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ANNUAL REPORT 2009-10II.5.2 During
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ANNUAL REPORT 2009-10TABLE 69STATUS
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ANNUAL REPORT 2009-10GENERAL INSURA
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Page 96 and 97: ANNUAL REPORT 2009-10III.11.4 Also,
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Page 102 and 103: ANNUAL REPORT 2009-10IV.6.13 The pr
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Page 106 and 107: ANNUAL REPORT 2009-10INTERNATIONAL
Page 108 and 109: ANNUAL REPORT 2009-10TOTAL LIFE INS
Page 110 and 111: ANNUAL REPORT 2009-10INDIVIDUAL NEW
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Page 118 and 119: ANNUAL REPORT 2009-10LINKED AND NON
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Page 122 and 123: ANNUAL REPORT 2009-10INDIVIDUAL DEA
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Page 126 and 127: ANNUAL REPORT 2009-10DURATION WISE
Page 128 and 129: ANNUAL REPORT 2009-10ASSETS UNDER M
Page 130 and 131: ANNUAL REPORT 2009-10EQUITY SHARE C
Page 132 and 133: ANNUAL REPORT 2009-10LIFE INSURERS
Page 142 and 143: ANNUAL REPORT 2009-10LIFE INSURANCE
Page 144 and 145: ANNUAL REPORT 2009-10INDIVIDUAL BUS
Page 146 and 147: ANNUAL REPORT 2009-10STATEMENT 27DE
Page 148 and 149: ANNUAL REPORT 2009-10REGION WISE DI
Page 150 and 151: ANNUAL REPORT 2009-10STATEMENT 31NE
Page 152 and 153: ANNUAL REPORT 2009-10Cont’d... ST
Page 154 and 155: ANNUAL REPORT 2009-10DEATH CLAIMS U
Page 156 and 157: ANNUAL REPORT 2009-10STATEMENT 35DU
Page 158 and 159: ANNUAL REPORT 2009-10LIST OF MICRO
Page 160 and 161: ANNUAL REPORT 2009-10SEGMENT WISE G
Page 162 and 163: ANNUAL REPORT 2009-10CHANNEL WISE G
Page 164 and 165: ANNUAL REPORT 2009-10STATEMENT 43NE
Page 166 and 167: ANNUAL REPORT 2009-10INCURRED CLAIM
Page 168 and 169: ANNUAL REPORT 2009-10UNDERWRITING E
Page 170 and 171: ANNUAL REPORT 2009-10ASSETS UNDER M
Page 172 and 173: ANNUAL REPORT 2009-10SOLVENCY RATIO
Page 174 and 175: ANNUAL REPORT 2009-10PUBLIC SECTOR
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Page 178 and 179: ANNUAL REPORT 2009-10PRIVATE SECTOR
Page 186 and 187: ANNUAL REPORT 2009-10HEALTH INSURER
Page 188 and 189: ANNUAL REPORT 2009-10HEALTH INSURER
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ANNUAL REPORT 2009-10EXPORT CREDIT
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ANNUAL REPORT 2009-10AGRICULTURE IN
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ANNUAL REPORT 2009-10STATEMENT 65AG
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ANNUAL REPORT 2009-10STATEMENT 67GE
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ANNUAL REPORT 2009-10STATE-WISE NUM
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ANNUAL REPORT 2009-10STATEMENT 70TH
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ANNUAL REPORT 2009-10STATUS OF GRIE
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ANNUAL REPORT 2009-10STATUS OF GRIE
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ANNUAL REPORT 2009-10PERFORMANCE OF
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ANNUAL REPORT 2009-10PERFORMANCE OF
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ANNUAL REPORT 2009-10Cont’d... AN
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ANNUAL REPORT 2009-10INDIAN ASSURED
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ANNUAL REPORT 2009-10ANNEX 4LIFE IN
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ANNUAL REPORT 2009-10LIFE INSURANCE
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ANNUAL REPORT 2009-10NON-LIFE INSUR
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ANNUAL REPORT 2009-10NON-LIFE INSUR
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ANNUAL REPORT 2009-10STATE-WISE NUM
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ANNUAL REPORT 2009-10Authority (IRD
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1. Adequacy of Internal Audit Syste
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ANNUAL REPORT 2009-10INSURANCE REGU
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ANNUAL REPORT 2009-10ANNEXURE VIINS
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ANNUAL REPORT 2009-10ANNEXURE VIIII
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