DUPONT

  Unit Q2 2023 Q3 2023 Q4 2023
Return on Equity % 5.39 3.84 4.44
Return on Sales (ROS) % 16.25 11.55 12.42
Asset Turnover revs 0.12 0.12 0.14
Financial Leverage Times 2.81 2.74 2.63

Management Effectiveness

  Unit Q2 2023 Q3 2023 Q4 2023
Direct written premium Billions 1,190.85 1,143.44 1,278.62
Growth rate on direct written premium % -9.54 -3.98 11.82
Net insurance premium Billions 888.83 917.50 1,025.72
Sales % 11.34 3.22 11.80
Claim ratio % 21.37 25.00 24.98
Expense ratio % 72.92 70.69 67.53
Combined ratio % 94.29 95.70 92.50

Asset Quality

  Unit Q2 2023 Q3 2023 Q4 2023
Gross claims reserve To Direct written premium % 74.78 80.77 77.12
Total investment assets To Total assets % 72.75
Tỷ lệ tài sản thanh khoản cao/Tổng huy động Times 5.63 6.08 5.35
Total investment asset To Direct written premium Times 4.82
Short-term investments To Direct written premium Times 4.00 4.38 3.93