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CENI Century Insurance Company Limited

Latest results: FY2025 · Dec 2025 Q2 FY2026 · Apr – Jun 2026

Last close · 16 Oct 2026

Rs 32.57 -7.37%

Annual · FY2006 – FY2025

Century Insurance Company Limited (CENI) income statement

Century Insurance Company Limited reported total income of Rs 2.1 bn for FY2025 (Jan – Dec 2025), up 7.8% on FY2024. Tax of Rs 360.4 mn took 39.6% of pre-tax profit. Profit attributable to shareholders was Rs 549.6 mn, down 6.0% on FY2024, or Rs 6.21 per share.

CENI income statement (annual) (Rs mn)
Rs mn FY2025 Jan – Dec 2025 FY2024 Jan – Dec 2024 FY2023 Jan – Dec 2023 FY2022 Jan – Dec 2022 FY2021 Jan – Dec 2021 FY2020 * Jan – Dec 2020 FY2019 Jan – Dec 2019 FY2018 Jan – Dec 2018 FY2017 Jan – Dec 2017 FY2016 * Jan – Dec 2016 FY2015 Jan – Dec 2015 FY2014 * Jan – Dec 2014 FY2013 * Jan – Dec 2013 FY2012 * Jan – Dec 2012 FY2011 * Jan – Dec 2011 FY2010 Jan – Dec 2010 FY2009 * Jan – Dec 2009 FY2008 Jan – Dec 2008 FY2007 * Jan – Dec 2007 FY2006 Jan – Dec 2006
Net premium earned 1,650.5 1,359.5 1,197.2 1,072.4 897.6 846.1 779.7 690.3 593.1 659.3 515.0 388.5 321.7 268.2 225.2 219.1 206.6 241.4 218.6 208.6
Investment income (net) 295.0 483.0 383.9 196.8 92.3 79.5 28.0 (54.3) 147.1 223.5 634.7 135.9 9.4 14.5 22.3 105.9 (73.0) (38.0) 170.7 62.9
Total income 2,066.7 1,917.2 1,686.6 1,322.4 1,021.9 925.6 807.7 636.0 740.1 882.7 1,149.7 524.4 444.7 370.6 247.5 324.9 133.6 203.3 389.3 271.5
Net claims & benefits (926.0) (760.6) (618.5) (561.5) (449.7) (360.2) (362.7) (288.2) (247.0) (390.5) (299.8) (201.9) (159.3) (112.0) (83.1) (109.2) (66.9) (79.3) (146.2) (109.7)
Acquisition & underwriting expenses 82.4 82.4 87.1 100.1 81.0 40.5 12.9 11.5 23.2 22.0 25.1 18.3 8.8 8.6 13.1 13.8 12.6 8.0 9.6 4.5
Profit before tax 909.9 941.9 830.1 495.2 389.6 342.4 199.7 105.0 233.6 264.7 649.3 158.5 150.8 129.4 53.4 121.1 (39.9) 53.8 168.2 105.1
Taxation (360.4) (357.2) (333.2) (181.8) (112.1) (99.8) (54.5) (33.7) (93.6) (78.8) (10.9) (16.1) (3.4) (13.2) (17.0) (11.4) (30.0) (35.3) 3.4 (7.1)
Profit after tax 549.6 584.7 496.9 313.4 277.5 242.6 145.2 71.3 140.0 185.9 638.3 142.4 147.3 116.2 36.3 109.6 (70.0) 18.4 171.5 98.0
Profit attributable to shareholders 549.6 584.7 496.9 313.4 277.5 242.6 145.2 71.3 140.0 185.9 638.3 142.4 147.3 116.2 36.3 109.6 (70.0) 18.4 171.5 98.0
Per share
EPS – basic (Rs) Rs 6.21 6.61 5.62 3.54 3.14 2.74 1.64 0.81 1.58 2.10 7.21 1.61 1.67 1.31 0.41 1.24 (0.79) 0.21 1.94 1.13
Dividend per share (Rs) Rs 3.75 3.75 2.81 1.56 1.28 1.14 0.99 0.71 0.99 0.90 2.58 0.78 0.78 0.65 0.52 0.52 0.00 0.00 0.00 0.23
CENI income statement — year-on-year change (Rs mn)
Rs mn FY2025 Jan – Dec 2025 FY2024 Jan – Dec 2024 FY2023 Jan – Dec 2023 FY2022 Jan – Dec 2022 FY2021 Jan – Dec 2021 FY2020 * Jan – Dec 2020 FY2019 Jan – Dec 2019 FY2018 Jan – Dec 2018 FY2017 Jan – Dec 2017 FY2016 * Jan – Dec 2016 FY2015 Jan – Dec 2015 FY2014 * Jan – Dec 2014 FY2013 * Jan – Dec 2013 FY2012 * Jan – Dec 2012 FY2011 * Jan – Dec 2011 FY2010 Jan – Dec 2010 FY2009 * Jan – Dec 2009 FY2008 Jan – Dec 2008 FY2007 * Jan – Dec 2007 FY2006 Jan – Dec 2006
Net premium earned +21.4% +13.6% +11.6% +19.5% +6.1% +8.5% +13.0% +16.4% -10.0% +28.0% +32.6% +20.8% +19.9% +19.1% +2.8% +6.0% -14.4% +10.4% +4.8% —
Investment income (net) -38.9% +25.8% +95.1% +113.2% +16.1% +184.0% — -136.9% -34.2% -64.8% +367.1% +1,351.3% -35.3% -35.2% -78.9% — — -122.3% +171.4% —
Total income +7.8% +13.7% +27.5% +29.4% +10.4% +14.6% +27.0% -14.1% -16.2% -23.2% +119.2% +17.9% +20.0% +49.7% -23.8% +143.2% -34.3% -47.8% +43.4% —
Net claims & benefits +21.7% +23.0% +10.1% +24.9% +24.9% -0.7% +25.8% +16.7% -36.8% +30.2% +48.5% +26.8% +42.2% +34.8% -23.9% +63.1% -15.6% -45.7% +33.2% —
Acquisition & underwriting expenses — — — — — — — — — — — — — — — — — — — —
Profit before tax -3.4% +13.5% +67.6% +27.1% +13.8% +71.5% +90.1% -55.0% -11.7% -59.2% +309.7% +5.1% +16.5% +142.5% -55.9% — -174.3% -68.0% +60.0% —
Taxation +0.9% +7.2% +83.3% +62.2% +12.3% +83.3% +61.6% -64.0% +18.8% +619.8% -31.9% +370.9% -74.0% -22.7% +48.8% -61.9% -15.1% — -147.3% —
Profit after tax -6.0% +17.7% +58.6% +12.9% +14.4% +67.1% +103.6% -49.1% -24.7% -70.9% +348.3% -3.4% +26.7% +219.8% -66.8% — -479.8% -89.3% +75.1% —
Profit attributable to shareholders -6.0% +17.7% +58.6% +12.9% +14.4% +67.1% +103.6% -49.1% -24.7% -70.9% +348.3% -3.4% +26.7% +219.8% -66.8% — -479.8% -89.3% +75.1% —
Per share
EPS – basic (Rs) -6.0% +17.7% +58.6% +12.9% +14.4% +67.1% +103.6% -49.1% -24.7% -70.9% +348.3% -3.4% +26.7% +219.8% -66.8% — -479.8% -89.3% +71.3% —
Dividend per share (Rs) 0.0% +33.3% +80.0% +22.2% +12.5% +14.3% +40.0% -28.6% +10.0% -65.0% +233.3% 0.0% +20.0% +25.0% 0.0% — — — -100.0% —

Change against the previous fiscal year; shown when the earlier figure is positive.

CENI income statement — common size (Rs mn)
Rs mn FY2025 Jan – Dec 2025 FY2024 Jan – Dec 2024 FY2023 Jan – Dec 2023 FY2022 Jan – Dec 2022 FY2021 Jan – Dec 2021 FY2020 * Jan – Dec 2020 FY2019 Jan – Dec 2019 FY2018 Jan – Dec 2018 FY2017 Jan – Dec 2017 FY2016 * Jan – Dec 2016 FY2015 Jan – Dec 2015 FY2014 * Jan – Dec 2014 FY2013 * Jan – Dec 2013 FY2012 * Jan – Dec 2012 FY2011 * Jan – Dec 2011 FY2010 Jan – Dec 2010 FY2009 * Jan – Dec 2009 FY2008 Jan – Dec 2008 FY2007 * Jan – Dec 2007 FY2006 Jan – Dec 2006
Net premium earned 79.9% 70.9% 71.0% 81.1% 87.8% 91.4% 96.5% 108.5% 80.1% 74.7% 44.8% 74.1% 72.3% 72.4% 91.0% 67.4% 154.7% 118.7% 56.2% 76.8%
Investment income (net) 14.3% 25.2% 22.8% 14.9% 9.0% 8.6% 3.5% (8.5%) 19.9% 25.3% 55.2% 25.9% 2.1% 3.9% 9.0% 32.6% (54.7%) (18.7%) 43.8% 23.2%
Total income 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0%
Net claims & benefits (44.8%) (39.7%) (36.7%) (42.5%) (44.0%) (38.9%) (44.9%) (45.3%) (33.4%) (44.2%) (26.1%) (38.5%) (35.8%) (30.2%) (33.6%) (33.6%) (50.1%) (39.0%) (37.5%) (40.4%)
Acquisition & underwriting expenses 4.0% 4.3% 5.2% 7.6% 7.9% 4.4% 1.6% 1.8% 3.1% 2.5% 2.2% 3.5% 2.0% 2.3% 5.3% 4.2% 9.4% 4.0% 2.5% 1.7%
Profit before tax 44.0% 49.1% 49.2% 37.4% 38.1% 37.0% 24.7% 16.5% 31.6% 30.0% 56.5% 30.2% 33.9% 34.9% 21.6% 37.3% (29.9%) 26.4% 43.2% 38.7%
Taxation (17.4%) (18.6%) (19.8%) (13.7%) (11.0%) (10.8%) (6.7%) (5.3%) (12.6%) (8.9%) (1.0%) (3.1%) (0.8%) (3.5%) (6.9%) (3.5%) (22.5%) (17.4%) 0.9% (2.6%)
Profit after tax 26.6% 30.5% 29.5% 23.7% 27.2% 26.2% 18.0% 11.2% 18.9% 21.1% 55.5% 27.1% 33.1% 31.4% 14.7% 33.7% (52.4%) 9.1% 44.1% 36.1%
Profit attributable to shareholders 26.6% 30.5% 29.5% 23.7% 27.2% 26.2% 18.0% 11.2% 18.9% 21.1% 55.5% 27.1% 33.1% 31.4% 14.7% 33.7% (52.4%) 9.1% 44.1% 36.1%

Each line as a percentage of total income.

Figures in Pakistani rupees as reported by the company; costs and cash outflows in brackets; "—" = not reported. * Figures in this period do not fully reconcile in the source data (hover the * for details). Updated 16 Oct 2026.

All reported line items 105
CENI income statement — all reported line items (Rs mn)
Rs mn FY2025 Jan – Dec 2025 FY2024 Jan – Dec 2024 FY2023 Jan – Dec 2023 FY2022 Jan – Dec 2022 FY2021 Jan – Dec 2021 FY2020 Jan – Dec 2020 FY2019 Jan – Dec 2019 FY2018 Jan – Dec 2018 FY2017 Jan – Dec 2017 FY2016 Jan – Dec 2016
Net Premiums Earned 1,650.5 1,359.5 1,197.2 1,072.4 897.6 846.1 779.7 690.3 593.1 659.3
Investment Income/(Expense) - Net - Insurance 295.0 483.0 383.9 196.8 92.3 79.5 28.0 (54.3) 147.1 223.5
Investments & Loans - Business - Gain/(Loss) 121.2 74.7 105.6 53.2 32.0 — — — — —
Investment Income - Gross - Insurance - Total 334.5 494.1 388.4 200.8 98.2 — — — — —
Investment Expense - Insurance - Total 39.5 11.1 4.5 4.0 5.9 — — — — —
Investment Securities - Business - Gain/(Loss) 121.2 74.7 105.6 53.2 32.0 — — — — —
Revenue from Business Activities - Total 2,066.7 1,917.2 1,686.6 1,322.4 1,021.9 925.6 807.7 636.0 740.1 882.7
Insurance Claims/Reserves - Total 926.0 760.6 618.5 561.5 449.7 360.2 362.7 288.2 247.0 390.5
Insurance Benefits Paid - Current 926.0 760.6 618.5 561.5 449.7 360.2 362.7 288.2 247.0 390.5
Selling, General & Administrative Expenses - Total 528.5 470.1 413.8 390.0 321.6 332.5 294.8 283.9 283.8 260.2
Selling, General & Administrative Expenses - Unclassified 494.3 438.1 381.7 357.3 293.8 304.7 269.0 270.7 271.3 —
Depreciation in Selling, General & Administrative Expenses 33.9 32.0 32.0 32.6 27.7 27.9 25.8 12.8 11.9 —
Amortization of Intangibles in Selling, General & Administrative Expenses 0.3 0.1 0.1 0.0 0.0 0.0 0.0 0.4 0.6 —
Underwriting Expenses (82.4) (82.4) (87.1) (100.1) (81.0) (40.5) (12.9) (11.5) (23.2) (22.0)
Policy Acquisition Costs - Total (82.4) (82.4) (87.1) (100.1) (81.0) (40.5) (12.9) (11.5) (23.2) (22.0)
Other Operating Expense/(Income) - Net (50.2) (76.3) (45.8) (23.3) (58.3) (62.3) (46.5) (25.5) 5.2 (8.3)
Fee & Commission Expense - Insurance (82.4) (82.4) (87.1) (100.1) (81.0) (40.5) (12.9) (11.5) (23.2) (22.0)
Operating Expenses - Total 1,321.9 1,072.1 899.4 828.1 632.0 590.0 598.0 535.0 512.8 620.4
Operating Profit before Non-Recurring Income/(Expense) 744.8 845.1 787.2 494.4 389.9 335.6 209.7 100.9 227.3 262.3
Interest Expense - Net of Capitalized Interest 6.3 7.2 3.8 4.7 5.6 6.2 6.1 — — —
Sale of Tangible & Intangible Fixed Assets - Gain/Loss 5.3 3.4 0.0 2.3 0.6 0.6 0.2 (0.1) 0.8 —
Equity Earnings/(Loss) - before Taxes including Non-Recurring 3.1 8.6 9.6 8.3 13.0 12.4 6.9 4.2 5.5 2.3
Normalized Pre-tax Profit 746.9 849.9 793.0 500.2 397.9 342.4 210.7 105.0 233.6 264.7
Non-Recurring Income/Expense - Total 163.0 92.0 37.1 (5.1) (8.3) 0.0 (11.1) — — 0.0
Impairment - Financial Investments (0.1) (0.1) (0.0) 2.7 0.0 0.0 11.1 — — 0.0
Early Extinguishment of Lease Related Debts - Gain/(Loss) — 0.0 0.9 1.9 — — — — — —
Fair Value Adjustments - Financial Investments 163.0 91.9 36.2 (4.2) (8.3) — — — — —
Provision for Income Tax Expense- Unclassified 360.4 — — — — — — — — 78.8
Income before Taxes 909.9 941.9 830.1 495.2 389.6 342.4 199.7 105.0 233.6 264.7
Income Taxes 360.4 357.2 333.2 181.8 112.1 99.8 54.5 33.7 93.6 78.8
Income Taxes for the Year - Current — 246.0 226.6 135.9 115.2 115.7 60.2 55.8 85.5 —
Income Taxes - Deferred — 24.9 14.2 9.1 (3.1) (15.9) (3.0) (22.4) (17.3) —
Income Taxes - Other (by Type) — 86.3 92.4 36.8 — 0.0 (2.8) 0.3 25.4 —
Net Income after Tax 549.6 584.7 496.9 313.4 277.5 242.6 145.2 71.3 140.0 185.9
Income before Discontinued Operations & Extraordinary Items 549.6 584.7 496.9 313.4 277.5 242.6 145.2 71.3 140.0 185.9
Net Income before Minority Interest 549.6 584.7 496.9 313.4 277.5 242.6 145.2 71.3 140.0 185.9
Net Income after Minority Interest 549.6 584.7 496.9 313.4 277.5 242.6 145.2 71.3 140.0 185.9
Income Available to Common Shares 549.6 584.7 496.9 313.4 277.5 242.6 145.2 71.3 140.0 185.9
DPS - Common - Gross - Issue - By Period End Date Rs 3.75 3.75 2.81 1.56 1.28 1.14 0.99 0.71 0.99 0.90
Net Income - Basic - including Extraordinary Items Applicable to Common - Total 549.6 584.7 496.9 313.4 277.5 242.6 145.2 71.3 140.0 185.9
Income available to Common excluding Extraordinary Items 549.6 584.7 496.9 313.4 277.5 242.6 145.2 71.3 140.0 185.9
Shares used to calculate Basic EPS - Total mn 88.5 88.5 88.5 88.5 88.5 88.5 88.5 88.5 88.5 88.5
EPS - Basic - including Extraordinary Items Applicable to Common - Total Rs 6.21 6.61 5.62 3.54 3.14 2.74 1.64 0.81 1.58 2.10
EPS - Basic - excluding Extraordinary Items Applicable to Common - Total Rs 6.21 6.61 5.62 3.54 3.14 2.74 1.64 0.81 1.58 2.10
EPS - Basic - excluding Extraordinary Items - Normalized - Total Rs 4.37 5.57 5.20 3.60 3.23 2.74 1.77 0.81 1.58 2.10
Allocated Net Income including Extraordinary Items Applicable to Common - Issue Specific 549.6 584.7 496.9 313.4 277.5 242.6 145.2 71.3 140.0 185.9
Earnings Allocation Factor - Basic - Issue Specific 1.00× 1.00× 1.00× 1.00× 1.00× 1.00× 1.00× 1.00× 1.00× 1.00×
Shares used to calculate Basic EPS - Issue Specific mn 88.5 88.5 88.5 88.5 88.5 88.5 88.5 88.5 88.5 88.5
EPS - Basic - including Extraordinary Items Applicable to Common - Issue Specific Rs 6.21 6.61 5.62 3.54 3.14 2.74 1.64 0.81 1.58 2.10
EPS - Basic - excluding Extraordinary Items Applicable to Common - Issue Specific Rs 6.21 6.61 5.62 3.54 3.14 2.74 1.64 0.81 1.58 2.10
EPS - Basic - excluding Extraordinary Items - Normalized - Issue Specific Rs 4.37 5.57 5.20 3.60 3.23 2.74 1.77 0.81 1.58 2.10
EPS - Basic from Discontinued Operations & Extraordinary Items Rs 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Income - Diluted - including Extraordinary Items Applicable to Common - Total 549.6 584.7 496.9 313.4 277.5 242.6 145.2 71.3 140.0 185.9
Diluted Income available to Common excluding Extraordinary Items 549.6 584.7 496.9 313.4 277.5 242.6 145.2 71.3 140.0 185.9
Shares used to calculate Diluted EPS - Total mn 88.5 88.5 88.5 88.5 88.5 88.5 88.5 88.5 88.5 88.5
EPS - Diluted - including Extraordinary Items Applicable to Common - Total Rs 6.21 6.61 5.62 3.54 3.14 2.74 1.64 0.81 1.58 2.10
EPS - Diluted - excluding Extraordinary Items Applicable to Common - Total Rs 6.21 6.61 5.62 3.54 3.14 2.74 1.64 0.81 1.58 2.10
EPS - Diluted - excluding Extraordinary Items - Normalized - Total Rs 4.37 5.57 5.20 3.60 3.23 2.74 1.77 0.81 1.58 2.10
Allocated Diluted Net Income including Extraordinary Items Applicable to Common - Issue Specific 549.6 584.7 496.9 313.4 277.5 242.6 145.2 71.3 140.0 185.9
Earnings Allocation Factor - Diluted - Issue Specific 1.00× 1.00× 1.00× 1.00× 1.00× 1.00× 1.00× 1.00× 1.00× 1.00×
Shares used to calculate Diluted EPS - Issue Specific mn 88.5 88.5 88.5 88.5 88.5 88.5 88.5 88.5 88.5 88.5
EPS - Diluted - including Extraordinary Items Applicable to Common - Issue Specific Rs 6.21 6.61 5.62 3.54 3.14 2.74 1.64 0.81 1.58 2.10
EPS - Diluted - excluding Extraordinary Items Applicable to Common - Issue Specific Rs 6.21 6.61 5.62 3.54 3.14 2.74 1.64 0.81 1.58 2.10
EPS - Diluted - excluding Extraordinary Items - Normalized - Issue Specific Rs 4.37 5.57 5.20 3.60 3.23 2.74 1.77 0.81 1.58 2.10
EPS - Diluted from Discontinued Operations & Extraordinary Items Rs 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
DPS - Common - Gross - Issue - By Announcement Date Rs 3.75 2.81 1.56 1.28 1.14 0.99 0.71 0.99 0.90 2.58
DPS - Common - Net - Issue - By Announcement Date Rs 3.38 2.53 1.41 1.15 1.02 0.90 0.64 0.90 0.81 2.33
Earnings before Interest & Taxes (EBIT) 744.8 845.1 787.2 494.4 389.9 335.6 209.7 100.9 227.3 262.3
Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) 782.7 879.5 819.4 527.0 418.7 364.1 236.6 114.1 239.8 273.0
Depreciation & Amortization - Supplemental 37.9 34.4 32.1 32.7 28.7 28.5 26.9 13.2 12.5 —
Depreciation Expense - Total - Supplemental 37.6 34.3 32.0 32.6 28.7 28.5 26.9 12.8 11.9 —
Depreciation - Financial Lease Right-of-Use Assets - Supplemental 12.7 14.1 16.2 16.6 12.2 12.9 12.2 — — —
Amortization - Total - Supplemental 0.3 0.1 0.1 0.0 0.0 0.0 0.0 0.4 0.6 —
Intangible Amortization - Other - Supplemental 0.3 0.1 0.1 0.0 — — — — — —
Amortization of Computer Software - Supplemental 0.3 0.1 0.1 0.0 — — — — — —
Depreciation, Depletion & Amortization - Total 37.9 34.4 32.2 32.7 28.7 28.5 26.9 13.2 12.5 10.7
Depreciation - Total 37.6 34.3 32.1 32.6 28.7 28.5 26.9 12.8 11.9 —
Amortization of Intangible Assets excluding Goodwill - Total 0.3 0.1 0.1 0.0 0.0 0.0 0.0 0.4 0.6 —
Normalized after Tax Profit 386.5 492.7 459.8 318.4 285.8 242.6 156.3 71.3 140.0 185.9
Normalized Net Income from Continuing Operations 386.5 492.7 459.8 318.4 285.8 242.6 156.3 71.3 140.0 185.9
Normalized Net Income - Bottom Line 386.5 492.7 459.8 318.4 285.8 242.6 156.3 71.3 140.0 185.9
Earnings before Interest & Taxes (EBIT) - Normalized 726.8 779.8 721.0 444.0 403.6 348.7 216.8 105.0 233.6 264.7
Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) - Normalized 764.7 814.2 753.2 476.7 432.3 377.2 243.7 118.2 246.1 275.3
Depreciation of Financial Lease Right-of-Use Assets 12.7 14.1 16.2 16.6 12.2 12.9 12.2 — — —
Interest Expense on Financial Lease Liabilities - Supplemental 6.3 7.2 3.8 4.7 5.6 6.2 6.1 — — —
Interest Expense 6.3 7.2 3.8 4.7 5.6 6.2 6.1 — — —
Investment Income - Insurance 295.0 483.0 383.9 196.8 92.3 79.5 28.0 (54.3) 147.1 223.5
Losses, Benefits & Adjustments - Insurance 926.0 760.6 618.5 561.5 449.7 360.2 362.7 288.2 247.0 390.5
Operating Expenses 1,321.9 1,072.1 899.4 828.1 632.0 590.0 598.0 535.0 512.8 620.4
Selling, General & Administrative Expenses excluding Research & Development Expenses 528.5 470.1 413.8 390.0 321.6 332.5 294.8 283.9 283.8 260.2
Total Claim & Loss Expense 926.0 760.6 618.5 561.5 449.7 360.2 362.7 288.2 247.0 390.5
Underwriting & Commissions (82.4) (82.4) (87.1) (100.1) (81.0) (40.5) (12.9) (11.5) (23.2) (22.0)
Underwriting Expenses - Insurance 478.3 393.8 368.0 366.6 263.2 270.3 248.2 258.3 289.1 252.0
Income before Taxes & Provision for Loan Losses 909.9 941.9 830.1 495.2 389.6 342.4 199.7 105.0 233.6 264.7
DPS - Common - Gross - Issue - By Payable Date Rs 3.75 2.81 1.56 1.28 1.14 0.99 0.71 0.99 0.90 2.58
DPS - Common - Gross - Issue - By Ex Date Rs 3.75 2.81 1.56 1.28 1.14 0.99 0.71 0.99 0.90 2.58
Tax Adjusted Operating Income 553.4 589.1 499.1 316.3 281.5 247.0 149.6 71.3 140.0 185.9
Underwriting Expenses minus Losses, Benefits & Adjustments - Insurance (447.7) (366.8) (250.5) (194.9) (186.5) (89.9) (114.4) (29.9) 42.1 (138.5)
Operating Expenses excluding Non-Cash Charges - Total 1,284.0 1,037.7 867.2 795.4 603.2 561.5 571.1 521.8 500.3 609.8
Premiums Earned - Total 1,650.5 1,359.5 1,197.2 1,072.4 897.6 846.1 779.7 690.3 593.1 659.3
Losses, Benefits & Adjustments - Total 843.6 678.3 531.4 461.4 368.7 319.7 349.8 276.7 223.7 368.5
Income Available to Common Shares before Depreciation & Amortization 587.5 619.1 529.1 346.0 306.3 271.1 172.1 84.5 152.5 196.5
Fixed Charges 6.3 7.2 3.8 4.7 5.6 6.2 6.1 — — —
Estimated Tax Rate 0.29× 0.29× 0.29× 0.29× 0.29× 0.35× 0.30× 0.30× 0.31× 0.32×
Total Common & Spl DPS -Gross - Issue - By Announcement Date Rs 3.75 2.81 1.56 1.28 1.14 0.99 0.71 0.99 0.90 2.58

Every line the company reported, in the original order and wording, without regrouping or signs changed. Latest 10 periods; the table above goes back further.