DUPONT

  Unit Q3 2023 Q4 2023 Q1 2024
Return on Equity % 2.10 1.72 2.79
Return on Sales (ROS) % 4.73 3.50 6.41
Asset Turnover revs 0.05 0.05 0.04
Financial Leverage Times 9.84 10.29 10.59

Management Effectiveness

  Unit Q3 2023 Q4 2023 Q1 2024
Direct written premium Billions 10,488.84 11,274.88 10,405.76
Growth rate on direct written premium % 1.90 7.49 -7.71
Net insurance premium Billions 9,726.33 10,570.32 9,618.63
Sales % -1.67 8.68 -9.00
Claim ratio % 48.11 44.51 43.70
Expense ratio % 20.34 21.67 25.28
Combined ratio % 68.45 66.18 68.98

Asset Quality

  Unit Q3 2023 Q4 2023 Q1 2024
Gross claims reserve To Direct written premium % 25.24 23.27 24.43
Total investment assets To Total assets %
Tỷ lệ tài sản thanh khoản cao/Tổng huy động Times 11.44 10.86 11.77
Total investment asset To Direct written premium Times
Short-term investments To Direct written premium Times 8.70 9.01 9.52