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Financial Highlights
| Operating Performance and Financial Position as at 31 December |
Financial statements in which the equity method is applied |
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| Unit |
2025
|
2024 (Restated) |
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|
Operating Results |
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Insurance Revenue |
Million Baht | 3,543.22 | 3,848.28 |
|
Insurance Service Expenses |
Million Baht | (5,185.61) | (3,618.10) |
|
Net income (expenses) from reinsurance contracts held |
Million Baht | 971.84 | (261.45) |
|
Insurance Service Operating Results |
Million Baht | (670.55) |
(31.27) |
|
Net Investment Income |
Million Baht | 58.42 | 85.64 |
|
Net financial expenses from insurance contracts |
Million Baht | (17.11) | (16.46) |
|
Net investment income and financial expenses from |
Million Baht | 41.31 | 69.18 |
|
Financial Costs and Other Operating Expenses |
Million Baht | (104.48) | (112.07) |
|
Share of Loss from Investments in Associates |
Million Baht | (0.97) | (2.43) |
|
Other Income |
Million Baht | 4.17 | 4.06 |
|
Profit (Loss) Before Income Tax Expense |
Million Baht | (730.52) | (72.52) |
|
Income (Expense) Tax |
Million Baht | 147.00 | 15.52 |
|
Profit (Loss) for the Year |
Million Baht | (583.52) | (57.00) |
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Financial Position |
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Total Assets |
Million Baht | 5,199.75 | 4,666.23 |
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Total Liabilities |
Million Baht | 3,541.88 | 2,445.20 |
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Equity |
Million Baht | 1,657.87 | 2,221.03 |
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Cash Flow |
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Cash Flow from Operating Activities |
Million Baht | 194.80 | 68.16 |
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Cash Flow from Investing Activities |
Million Baht | (9.10) | (25.23) |
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Cash Flow from Financing Activities |
Million Baht | (17.09) | (71.06) |
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Financial Ratios |
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Liquidity Ratios |
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Liquidity Ratios |
Times | 0.74 | 1.38 |
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Receivable Premium Turnover Ratio |
Days | 62.93 | 64.08 |
| Profitability Ratios | |||
| Combined Ratio (Claims and insurance business operating expenses to insurance revenue) |
Percentage | 118.92 | 100.81 |
| Commission Ratio (Commission and remuneration expenses to insurance revenue) |
Percentage | 15.49 | 15.06 |
| Expense Ratio (Expenses related to insurance contracts to insurance revenue) |
Percentage | 32.04 | 33.28 |
|
General Operating Expense Ratio (GOE Ratio) |
Percentage | 146.35 | 94.02 |
|
Return on Investment |
Percentage | 2.40 | 2.88 |
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Return on Equity |
Percentage | (30.09) | (2.46) |
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Basic Earnings (Loss) Per Share |
Baht | (15.36) | (1.50) |
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Operating Efficiency Ratios |
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Return on Assets |
Percentage | (11.83) | (1.20) |
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Asset Turnover Ratio |
Times | 0.73 | 0.83 |
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Financial Policy Analysis Ratios |
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Debt-to-Equity Ratio |
Times | 2.14 | 1.10 |
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Capital Adequacy Ratio (CAR)* |
Percentage | 206.40 | 381.65 |
Note: In 2025, the Company adopted changes in compliance with Financial Reporting Standards No. 9 and No. 17. Accordingly, comparative information for two years is presented.
* 2025 data not yet certified by auditor.
26/03/2569