DUPONT

  Unit 2021 2022 2023
Return on Equity % 20.65 15.08 15.36
Return on Sales (ROS) % 15.20 11.52 12.20
Asset Turnover revs 0.54 0.54 0.51
Financial Leverage Times 2.50 2.43 2.47

Management Effectiveness

  Unit 2021 2022 2023
Direct written premium Billions 1,957.31 2,118.24 1,998.11
Growth rate on direct written premium % 2.71 8.22 -5.67
Net insurance premium Billions 1,798.65 1,926.36 2,018.42
Sales % 5.70 7.10 4.78
Claim ratio % 31.12 37.81 33.36
Expense ratio % 56.90 54.70 59.92
Combined ratio % 88.02 92.51 93.28

Asset Quality

  Unit 2021 2022 2023
Gross claims reserve To Direct written premium % 13.14 11.52 12.80
Total investment assets To Total assets %
Tỷ lệ tài sản thanh khoản cao/Tổng huy động Times 1.59 1.60 1.89
Total investment asset To Direct written premium Times
Short-term investments To Direct written premium Times 1.29 1.30 1.50