Operating Performance Review
*Includes excess tax provision written back of earlier years of ` 0.40 billion
Review of financial performance
Combined Ratio = (Net incurred claims/ Net earned premium) + (Management Expenses – Commission on Reinsurance)/ Net Written Premium
Management Expenses = Commission paid direct + Commission paid on reinsurance inward+ Operating expenses related to insurance business
Investment Leverage = Total Investment assets (net of borrowing)/ Net Worth
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