QBE Insurance Group Ltd
ASX:QBE
Balance Sheet
Balance Sheet Decomposition
QBE Insurance Group Ltd
QBE Insurance Group Ltd
Balance Sheet
QBE Insurance Group Ltd
| Dec-2001 | Dec-2002 | Dec-2003 | Dec-2004 | Dec-2005 | Dec-2006 | Dec-2007 | Dec-2008 | Dec-2009 | Dec-2010 | Dec-2011 | Dec-2012 | Dec-2013 | Dec-2014 | Dec-2015 | Dec-2016 | Dec-2017 | Dec-2018 | Dec-2019 | Dec-2020 | Dec-2021 | Dec-2022 | Dec-2023 | Dec-2024 | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||||||||||||||||||
| Cash & Cash Equivalents |
257
|
282
|
539
|
877
|
778
|
804
|
866
|
1 935
|
1 436
|
1 686
|
1 457
|
2 025
|
1 021
|
750
|
633
|
817
|
542
|
818
|
534
|
753
|
805
|
832
|
1 348
|
1 629
|
|
| Cash |
0
|
0
|
0
|
0
|
0
|
0
|
609
|
1 301
|
1 210
|
1 402
|
1 228
|
1 774
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
| Cash Equivalents |
257
|
282
|
539
|
877
|
778
|
804
|
257
|
634
|
226
|
284
|
229
|
251
|
1 021
|
750
|
633
|
817
|
542
|
818
|
534
|
753
|
805
|
832
|
1 348
|
1 629
|
|
| Total Receivables |
1 762
|
1 839
|
2 220
|
2 483
|
2 645
|
3 027
|
4 042
|
3 565
|
3 858
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
| Insurance Receivable |
561
|
634
|
877
|
1 049
|
1 060
|
1 112
|
1 474
|
1 405
|
1 754
|
7 014
|
6 849
|
7 005
|
3 252
|
2 892
|
2 777
|
2 892
|
2 886
|
2 364
|
3 188
|
3 579
|
4 217
|
423
|
519
|
533
|
|
| Deferred Policy Acquisition Cost |
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
2 221
|
2 031
|
2 538
|
1 965
|
2 257
|
1 662
|
1 907
|
2 282
|
2 697
|
2 936
|
0
|
0
|
|
| Total Current Assets |
1 762
|
1 839
|
2 220
|
2 483
|
2 645
|
3 027
|
4 042
|
3 565
|
3 858
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
| PP&E Net |
63
|
75
|
83
|
79
|
170
|
205
|
381
|
357
|
345
|
432
|
448
|
564
|
408
|
362
|
263
|
257
|
276
|
196
|
445
|
550
|
483
|
427
|
383
|
289
|
|
| PP&E Gross |
63
|
75
|
83
|
79
|
170
|
205
|
381
|
357
|
345
|
432
|
448
|
564
|
408
|
362
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
| Accumulated Depreciation |
75
|
98
|
141
|
185
|
144
|
129
|
180
|
152
|
204
|
258
|
335
|
419
|
470
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
| Intangible Assets |
198
|
242
|
262
|
302
|
133
|
159
|
383
|
663
|
680
|
814
|
1 399
|
1 240
|
579
|
423
|
414
|
535
|
572
|
467
|
461
|
427
|
433
|
440
|
516
|
494
|
|
| Goodwill |
43
|
47
|
122
|
550
|
881
|
1 004
|
1 800
|
3 288
|
3 818
|
4 573
|
4 666
|
4 828
|
3 901
|
3 408
|
3 190
|
3 092
|
2 507
|
2 333
|
2 330
|
2 107
|
2 016
|
1 578
|
1 596
|
1 470
|
|
| Long-Term Investments |
4 454
|
6 173
|
8 897
|
11 685
|
12 943
|
15 739
|
21 470
|
18 476
|
21 075
|
23 695
|
26 549
|
29 562
|
29 611
|
27 847
|
26 088
|
24 446
|
25 629
|
22 097
|
23 865
|
27 009
|
28 190
|
27 367
|
28 765
|
29 012
|
|
| Other Long-Term Assets |
0
|
82
|
87
|
51
|
51
|
58
|
141
|
237
|
184
|
95
|
160
|
291
|
890
|
1 927
|
811
|
890
|
610
|
1 011
|
524
|
610
|
663
|
659
|
665
|
648
|
|
| Other Assets |
2 704
|
2 192
|
2 426
|
3 102
|
3 974
|
3 951
|
5 932
|
7 582
|
7 420
|
8 452
|
9 875
|
10 075
|
9 289
|
8 768
|
8 652
|
9 781
|
11 090
|
10 967
|
9 238
|
11 414
|
11 815
|
9 053
|
9 912
|
11 241
|
|
| Total Assets |
10 000
N/A
|
11 519
+15%
|
15 391
+34%
|
19 627
+28%
|
21 753
+11%
|
25 056
+15%
|
34 689
+38%
|
34 221
-1%
|
36 753
+7%
|
42 188
+15%
|
46 737
+11%
|
50 762
+9%
|
47 271
-7%
|
45 000
-5%
|
42 176
-6%
|
41 583
-1%
|
43 862
+5%
|
39 582
-10%
|
40 162
+1%
|
46 624
+16%
|
49 303
+6%
|
39 201
-20%
|
42 108
+7%
|
43 846
+4%
|
|
| Liabilities | |||||||||||||||||||||||||
| Insurance Policy Liabilities |
1 959
|
1 969
|
2 263
|
2 855
|
3 596
|
4 022
|
15 965
|
14 998
|
16 179
|
18 236
|
20 677
|
22 789
|
21 669
|
27 778
|
25 589
|
25 084
|
28 466
|
25 791
|
26 375
|
31 327
|
32 919
|
26 148
|
27 490
|
28 735
|
|
| Accounts Payable |
733
|
618
|
674
|
820
|
940
|
1 101
|
1 694
|
700
|
689
|
1 747
|
1 032
|
1 132
|
698
|
463
|
1 261
|
1 172
|
1 483
|
664
|
1 020
|
1 604
|
2 322
|
347
|
432
|
363
|
|
| Short-Term Debt |
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
| Current Portion of Long-Term Debt |
152
|
141
|
65
|
0
|
293
|
61
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
49
|
59
|
53
|
|
| Other Current Liabilities |
4 049
|
4 571
|
5 775
|
6 994
|
7 583
|
8 232
|
75
|
939
|
679
|
667
|
947
|
1 331
|
1 135
|
957
|
883
|
1 040
|
1 004
|
694
|
825
|
749
|
917
|
39
|
127
|
46
|
|
| Total Current Liabilities |
4 934
|
5 330
|
6 514
|
7 814
|
8 816
|
9 394
|
1 769
|
1 639
|
1 368
|
2 414
|
1 979
|
2 463
|
1 833
|
1 420
|
2 144
|
2 212
|
2 487
|
1 358
|
1 845
|
2 353
|
3 239
|
435
|
618
|
462
|
|
| Long-Term Debt |
276
|
676
|
938
|
1 399
|
1 269
|
1 804
|
3 028
|
2 593
|
2 666
|
3 243
|
4 757
|
4 932
|
4 571
|
3 581
|
3 529
|
3 474
|
3 616
|
3 188
|
3 394
|
3 386
|
3 622
|
2 996
|
3 028
|
2 842
|
|
| Deferred Income Tax |
0
|
19
|
88
|
180
|
184
|
283
|
363
|
376
|
488
|
402
|
575
|
373
|
397
|
183
|
176
|
106
|
56
|
21
|
15
|
51
|
31
|
149
|
366
|
506
|
|
| Minority Interest |
25
|
38
|
41
|
47
|
48
|
52
|
56
|
61
|
68
|
82
|
52
|
59
|
47
|
52
|
55
|
50
|
42
|
19
|
0
|
1
|
1
|
2
|
3
|
3
|
|
| Other Liabilities |
45
|
48
|
562
|
812
|
961
|
880
|
1 093
|
1 622
|
680
|
712
|
242
|
229
|
214
|
956
|
178
|
373
|
336
|
824
|
380
|
1 015
|
610
|
616
|
576
|
570
|
|
| Total Liabilities |
8 662
N/A
|
9 862
+14%
|
12 901
+31%
|
16 171
+25%
|
18 019
+11%
|
20 099
+12%
|
27 264
+36%
|
26 328
-3%
|
27 582
+5%
|
31 877
+16%
|
36 351
+14%
|
39 404
+8%
|
36 915
-6%
|
33 970
-8%
|
31 671
-7%
|
31 299
-1%
|
35 003
+12%
|
31 201
-11%
|
32 009
+3%
|
38 133
+19%
|
40 422
+6%
|
30 346
-25%
|
32 081
+6%
|
33 118
+3%
|
|
| Equity | |||||||||||||||||||||||||
| Common Stock |
1 024
|
1 234
|
1 759
|
2 241
|
2 343
|
2 731
|
4 148
|
4 830
|
6 609
|
7 972
|
8 939
|
10 002
|
9 195
|
9 391
|
8 440
|
8 350
|
9 039
|
8 073
|
7 799
|
10 273
|
9 777
|
9 242
|
9 381
|
8 710
|
|
| Retained Earnings |
314
|
423
|
731
|
1 215
|
1 392
|
2 239
|
3 443
|
3 264
|
4 809
|
4 016
|
3 383
|
3 389
|
2 739
|
3 169
|
3 482
|
3 794
|
1 949
|
2 072
|
2 044
|
272
|
865
|
1 127
|
2 084
|
3 112
|
|
| Additional Paid In Capital |
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
5
|
21
|
30
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
| Unrealized Security Profit/Loss |
0
|
0
|
0
|
0
|
0
|
0
|
25
|
15
|
14
|
25
|
29
|
31
|
11
|
10
|
9
|
7
|
7
|
4
|
1
|
1
|
1
|
1
|
1
|
0
|
|
| Treasury Stock |
0
|
0
|
0
|
0
|
0
|
13
|
14
|
1
|
1
|
1
|
2
|
1
|
0
|
0
|
0
|
0
|
158
|
250
|
206
|
1
|
2
|
1
|
3
|
2
|
|
| Other Equity |
0
|
0
|
0
|
0
|
0
|
0
|
177
|
216
|
2 260
|
1 696
|
1 942
|
2 033
|
1 589
|
1 540
|
1 426
|
1 867
|
1 978
|
1 518
|
1 485
|
2 054
|
1 760
|
1 514
|
1 436
|
1 092
|
|
| Total Equity |
1 338
N/A
|
1 657
+24%
|
2 490
+50%
|
3 456
+39%
|
3 735
+8%
|
4 957
+33%
|
7 425
+50%
|
7 893
+6%
|
9 171
+16%
|
10 311
+12%
|
10 386
+1%
|
11 358
+9%
|
10 356
-9%
|
11 030
+7%
|
10 505
-5%
|
10 284
-2%
|
8 859
-14%
|
8 381
-5%
|
8 153
-3%
|
8 491
+4%
|
8 881
+5%
|
8 855
0%
|
10 027
+13%
|
10 728
+7%
|
|
| Total Liabilities & Equity |
10 000
N/A
|
11 519
+15%
|
15 391
+34%
|
19 627
+28%
|
21 753
+11%
|
25 056
+15%
|
34 689
+38%
|
34 221
-1%
|
36 753
+7%
|
42 188
+15%
|
46 737
+11%
|
50 762
+9%
|
47 271
-7%
|
45 000
-5%
|
42 176
-6%
|
41 583
-1%
|
43 862
+5%
|
39 582
-10%
|
40 162
+1%
|
46 624
+16%
|
49 303
+6%
|
39 201
-20%
|
42 108
+7%
|
43 846
+4%
|
|
| Shares Outstanding | |||||||||||||||||||||||||
| Common Shares Outstanding |
585
|
615
|
672
|
745
|
785
|
812
|
881
|
982
|
1 020
|
1 048
|
1 112
|
1 194
|
1 247
|
1 363
|
1 370
|
1 370
|
1 358
|
1 327
|
1 305
|
1 471
|
1 477
|
1 485
|
1 494
|
1 505
|
|