Charan Insurance PCL
SET:CHARAN
Income Statement
Income Statement
Charan Insurance PCL
| Dec-2002 | Mar-2003 | Jun-2003 | Sep-2003 | Dec-2003 | Mar-2004 | Jun-2004 | Sep-2004 | Dec-2004 | Mar-2005 | Jun-2005 | Sep-2005 | Dec-2005 | Mar-2006 | Jun-2006 | Sep-2006 | Dec-2006 | Mar-2007 | Jun-2007 | Sep-2007 | Dec-2007 | Mar-2008 | Jun-2008 | Sep-2008 | Dec-2008 | Mar-2009 | Jun-2009 | Sep-2009 | Dec-2009 | Mar-2010 | Jun-2010 | Sep-2010 | Dec-2010 | Mar-2011 | Jun-2011 | Sep-2011 | Dec-2011 | Mar-2012 | Jun-2012 | Sep-2012 | Dec-2012 | Mar-2013 | Jun-2013 | Sep-2013 | Dec-2013 | Mar-2014 | Jun-2014 | Sep-2014 | Dec-2014 | Mar-2015 | Jun-2015 | Sep-2015 | Dec-2015 | Mar-2016 | Jun-2016 | Sep-2016 | Dec-2016 | Mar-2017 | Jun-2017 | Sep-2017 | Dec-2017 | Mar-2018 | Jun-2018 | Sep-2018 | Dec-2018 | Mar-2019 | Jun-2019 | Sep-2019 | Dec-2019 | Mar-2020 | Jun-2020 | Sep-2020 | Dec-2020 | Mar-2021 | Jun-2021 | Sep-2021 | Dec-2021 | Mar-2022 | Jun-2022 | Sep-2022 | Dec-2022 | Mar-2023 | Jun-2023 | Sep-2023 | Dec-2023 | Mar-2024 | Jun-2024 | Sep-2024 | Dec-2024 | Mar-2025 | Jun-2025 | Sep-2025 | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Gross Premiums Earned |
138
|
140
|
142
|
142
|
143
|
143
|
144
|
145
|
145
|
146
|
147
|
147
|
146
|
145
|
143
|
141
|
139
|
137
|
135
|
134
|
133
|
134
|
133
|
132
|
134
|
130
|
128
|
128
|
124
|
132
|
139
|
144
|
119
|
141
|
136
|
134
|
131
|
129
|
124
|
118
|
113
|
116
|
127
|
149
|
170
|
189
|
198
|
199
|
205
|
211
|
217
|
221
|
220
|
212
|
200
|
188
|
177
|
168
|
163
|
162
|
163
|
166
|
169
|
171
|
168
|
177
|
203
|
241
|
290
|
329
|
338
|
325
|
288
|
178
|
129
|
99
|
154
|
206
|
296
|
384
|
449
|
458
|
410
|
345
|
291
|
261
|
258
|
272
|
299
|
336
|
394
|
425
|
|
| Revenue |
150
N/A
|
152
+2%
|
154
+1%
|
155
+0%
|
154
-1%
|
154
+0%
|
157
+2%
|
159
+1%
|
160
+1%
|
161
+1%
|
162
+1%
|
163
+1%
|
163
0%
|
162
-1%
|
162
+1%
|
163
+0%
|
165
+2%
|
165
0%
|
164
-1%
|
163
0%
|
163
0%
|
164
+1%
|
163
-1%
|
160
-2%
|
159
-1%
|
155
-3%
|
152
-2%
|
151
0%
|
145
-4%
|
152
+4%
|
160
+6%
|
164
+2%
|
145
-11%
|
167
+15%
|
171
+2%
|
174
+1%
|
167
-4%
|
214
+28%
|
200
-7%
|
187
-6%
|
184
-2%
|
144
-22%
|
156
+9%
|
178
+14%
|
198
+11%
|
211
+7%
|
221
+5%
|
222
+0%
|
228
+3%
|
233
+2%
|
238
+2%
|
243
+2%
|
241
-1%
|
233
-3%
|
221
-5%
|
210
-5%
|
200
-5%
|
191
-5%
|
187
-2%
|
184
-2%
|
184
+0%
|
187
+2%
|
190
+2%
|
191
+0%
|
189
-1%
|
198
+5%
|
235
+19%
|
277
+18%
|
327
+18%
|
366
+12%
|
361
-1%
|
344
-5%
|
306
-11%
|
249
-19%
|
201
-19%
|
172
-14%
|
173
+0%
|
225
+30%
|
315
+40%
|
403
+28%
|
469
+16%
|
479
+2%
|
430
-10%
|
363
-15%
|
310
-15%
|
280
-10%
|
279
-1%
|
292
+5%
|
320
+10%
|
357
+11%
|
414
+16%
|
444
+7%
|
|
| Operating Income | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Operating Expenses |
(122)
|
(125)
|
(123)
|
(129)
|
(131)
|
(128)
|
(129)
|
(126)
|
(134)
|
(131)
|
(137)
|
(135)
|
(128)
|
(127)
|
(118)
|
(113)
|
(108)
|
(107)
|
(106)
|
(110)
|
(108)
|
(106)
|
(109)
|
(106)
|
(118)
|
(121)
|
(122)
|
(125)
|
(115)
|
(123)
|
(133)
|
(136)
|
(125)
|
(152)
|
(146)
|
(143)
|
(196)
|
(220)
|
(217)
|
(225)
|
(147)
|
(133)
|
(141)
|
(144)
|
(173)
|
(167)
|
(175)
|
(180)
|
(183)
|
(190)
|
(190)
|
(193)
|
(198)
|
(196)
|
(191)
|
(179)
|
(178)
|
(170)
|
(163)
|
(165)
|
(180)
|
(170)
|
(174)
|
(183)
|
(190)
|
(232)
|
(268)
|
(315)
|
(381)
|
(357)
|
(334)
|
(288)
|
(229)
|
(176)
|
(152)
|
(164)
|
(201)
|
(279)
|
(365)
|
(396)
|
(396)
|
(365)
|
(317)
|
(295)
|
(283)
|
(271)
|
(268)
|
(302)
|
(341)
|
(358)
|
(433)
|
(429)
|
|
| Selling, General & Administrative |
(48)
|
(34)
|
(35)
|
(35)
|
(50)
|
(36)
|
(37)
|
(37)
|
(55)
|
(40)
|
(41)
|
(42)
|
(57)
|
(42)
|
(41)
|
(39)
|
(54)
|
(39)
|
(40)
|
(40)
|
(55)
|
(41)
|
(42)
|
(42)
|
(48)
|
(50)
|
(51)
|
(51)
|
(39)
|
(39)
|
(42)
|
(41)
|
(43)
|
(43)
|
(37)
|
(37)
|
(34)
|
(34)
|
(34)
|
(34)
|
(35)
|
(36)
|
(38)
|
(38)
|
(40)
|
(29)
|
(25)
|
(24)
|
(27)
|
0
|
(24)
|
(24)
|
(33)
|
(33)
|
(31)
|
(32)
|
(30)
|
(30)
|
(30)
|
(29)
|
(28)
|
(28)
|
(28)
|
(28)
|
(28)
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
| Benefits Claims Loss Adjustment |
(73)
|
(75)
|
(72)
|
(75)
|
(72)
|
(66)
|
(65)
|
(61)
|
(66)
|
(62)
|
(65)
|
(62)
|
(60)
|
(56)
|
(52)
|
(50)
|
(42)
|
(45)
|
(44)
|
(47)
|
(48)
|
(47)
|
(49)
|
(42)
|
(45)
|
(46)
|
(46)
|
(52)
|
(51)
|
(60)
|
(67)
|
(71)
|
(56)
|
(92)
|
(96)
|
(96)
|
(148)
|
(173)
|
(170)
|
(177)
|
(98)
|
(82)
|
(88)
|
(91)
|
(117)
|
(126)
|
(141)
|
(147)
|
(144)
|
(157)
|
(155)
|
(157)
|
(157)
|
(153)
|
(148)
|
(139)
|
(130)
|
(132)
|
(125)
|
(128)
|
(133)
|
(134)
|
(137)
|
(145)
|
(147)
|
(195)
|
(236)
|
(284)
|
(335)
|
(328)
|
(301)
|
(253)
|
(190)
|
(113)
|
(87)
|
(99)
|
(161)
|
(236)
|
(321)
|
(353)
|
(350)
|
(321)
|
(273)
|
(250)
|
(239)
|
(227)
|
(223)
|
(254)
|
(293)
|
(322)
|
(400)
|
(399)
|
|
| Other Operating Expenses |
(1)
|
(16)
|
(16)
|
(19)
|
(9)
|
(26)
|
(28)
|
(28)
|
(13)
|
(29)
|
(31)
|
(30)
|
(11)
|
(29)
|
(25)
|
(24)
|
(12)
|
(23)
|
(23)
|
(23)
|
(6)
|
(18)
|
(19)
|
(21)
|
(25)
|
(25)
|
(25)
|
(23)
|
(26)
|
(24)
|
(24)
|
(24)
|
(26)
|
(16)
|
(13)
|
(10)
|
(14)
|
(13)
|
(14)
|
(15)
|
(15)
|
(16)
|
(16)
|
(16)
|
(15)
|
(11)
|
(9)
|
(9)
|
(12)
|
(33)
|
(11)
|
(12)
|
(8)
|
(10)
|
(11)
|
(9)
|
(18)
|
(8)
|
(8)
|
(8)
|
(18)
|
(8)
|
(9)
|
(10)
|
(15)
|
(38)
|
(32)
|
(31)
|
(46)
|
(29)
|
(33)
|
(35)
|
(39)
|
(63)
|
(65)
|
(65)
|
(40)
|
(43)
|
(44)
|
(43)
|
(45)
|
(44)
|
(44)
|
(45)
|
(44)
|
(44)
|
(44)
|
(48)
|
(48)
|
(36)
|
(32)
|
(30)
|
|
| Operating Income |
27
N/A
|
28
+2%
|
32
+14%
|
26
-16%
|
23
-13%
|
26
+13%
|
28
+9%
|
32
+15%
|
25
-22%
|
30
+18%
|
25
-16%
|
29
+14%
|
35
+22%
|
35
+0%
|
45
+28%
|
49
+11%
|
57
+15%
|
58
+1%
|
57
0%
|
53
-8%
|
55
+4%
|
58
+5%
|
54
-7%
|
54
+2%
|
42
-24%
|
34
-18%
|
30
-12%
|
26
-13%
|
30
+15%
|
29
-3%
|
27
-8%
|
27
+3%
|
20
-26%
|
16
-22%
|
25
+60%
|
30
+20%
|
(29)
N/A
|
(6)
+78%
|
(17)
-173%
|
(38)
-120%
|
37
N/A
|
11
-71%
|
15
+43%
|
34
+123%
|
25
-27%
|
44
+74%
|
46
+6%
|
42
-8%
|
45
+7%
|
44
-4%
|
48
+9%
|
49
+4%
|
43
-12%
|
37
-15%
|
30
-18%
|
31
+2%
|
22
-29%
|
22
-1%
|
23
+8%
|
18
-21%
|
4
-76%
|
17
+280%
|
16
-5%
|
7
-54%
|
(2)
N/A
|
(34)
-1 792%
|
(33)
+4%
|
(38)
-14%
|
(54)
-45%
|
10
N/A
|
27
+187%
|
56
+105%
|
77
+37%
|
73
-5%
|
48
-33%
|
9
-82%
|
(28)
N/A
|
(54)
-92%
|
(50)
+7%
|
7
N/A
|
73
+970%
|
114
+55%
|
113
-1%
|
69
-39%
|
27
-61%
|
9
-65%
|
11
+18%
|
(10)
N/A
|
(21)
-116%
|
(1)
+96%
|
(18)
-2 273%
|
15
N/A
|
|
| Pre-Tax Income | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Non-Reccuring Items |
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
(3)
|
(23)
|
(22)
|
(23)
|
(20)
|
(8)
|
(9)
|
(16)
|
(17)
|
(9)
|
(9)
|
(0)
|
0
|
0
|
0
|
3
|
2
|
2
|
2
|
8
|
0
|
0
|
0
|
|
| Total Other Income |
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
(0)
|
(1)
|
(1)
|
0
|
(3)
|
(5)
|
(5)
|
(5)
|
(6)
|
(5)
|
(5)
|
(6)
|
(9)
|
(15)
|
(17)
|
(17)
|
(17)
|
(15)
|
(17)
|
(19)
|
(15)
|
(10)
|
(4)
|
0
|
0
|
0
|
0
|
8
|
0
|
0
|
0
|
10
|
0
|
0
|
0
|
8
|
0
|
0
|
0
|
17
|
0
|
0
|
0
|
6
|
6
|
6
|
6
|
7
|
8
|
8
|
9
|
12
|
11
|
11
|
10
|
1
|
2
|
2
|
2
|
2
|
3
|
3
|
3
|
|
| Pre-Tax Income |
27
N/A
|
28
+2%
|
32
+14%
|
26
-16%
|
23
-13%
|
26
+13%
|
28
+9%
|
32
+15%
|
25
-22%
|
30
+18%
|
25
-16%
|
29
+14%
|
35
+22%
|
35
+0%
|
45
+28%
|
49
+11%
|
57
+15%
|
58
+1%
|
57
0%
|
53
-8%
|
55
+4%
|
58
+5%
|
54
-7%
|
54
+2%
|
42
-24%
|
34
-18%
|
30
-12%
|
26
-13%
|
30
+15%
|
29
-4%
|
26
-9%
|
26
-1%
|
20
-22%
|
13
-36%
|
21
+58%
|
26
+24%
|
(34)
N/A
|
(12)
+65%
|
(22)
-83%
|
(43)
-96%
|
31
N/A
|
1
-95%
|
0
-79%
|
17
+5 200%
|
8
-55%
|
27
+250%
|
31
+16%
|
25
-18%
|
26
+3%
|
29
+10%
|
38
+32%
|
45
+19%
|
43
-3%
|
37
-15%
|
30
-18%
|
31
+2%
|
30
-2%
|
22
-28%
|
23
+8%
|
18
-21%
|
15
-21%
|
17
+14%
|
16
-5%
|
7
-54%
|
6
-22%
|
(34)
N/A
|
(33)
+4%
|
(38)
-14%
|
(38)
0%
|
7
N/A
|
5
-30%
|
34
+632%
|
60
+76%
|
58
-3%
|
46
-21%
|
6
-87%
|
(37)
N/A
|
(64)
-71%
|
(51)
+20%
|
7
N/A
|
85
+1 180%
|
125
+46%
|
124
-1%
|
79
-36%
|
31
-61%
|
14
-56%
|
15
+13%
|
(6)
N/A
|
(11)
-93%
|
2
N/A
|
(16)
N/A
|
18
N/A
|
|
| Net Income | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Tax Provision |
(7)
|
(6)
|
(6)
|
(4)
|
(4)
|
(5)
|
(5)
|
(7)
|
(5)
|
(6)
|
(4)
|
(4)
|
(6)
|
(5)
|
(8)
|
(9)
|
(10)
|
(12)
|
(12)
|
(13)
|
(12)
|
(12)
|
(10)
|
(8)
|
(9)
|
(7)
|
(7)
|
(8)
|
(6)
|
(5)
|
(4)
|
(4)
|
(4)
|
(3)
|
(5)
|
(6)
|
(4)
|
(10)
|
(4)
|
(2)
|
(1)
|
0
|
(1)
|
(5)
|
(6)
|
(8)
|
(10)
|
(6)
|
(4)
|
(5)
|
(6)
|
(8)
|
(7)
|
(6)
|
(5)
|
(5)
|
(5)
|
(3)
|
(3)
|
(2)
|
(1)
|
(2)
|
(2)
|
0
|
1
|
9
|
8
|
9
|
7
|
(2)
|
(2)
|
(8)
|
(9)
|
(8)
|
(6)
|
2
|
9
|
14
|
12
|
0
|
(15)
|
(23)
|
(22)
|
(13)
|
(3)
|
0
|
(2)
|
3
|
4
|
2
|
4
|
(4)
|
|
| Income from Continuing Operations |
20
|
22
|
26
|
23
|
19
|
21
|
23
|
25
|
20
|
24
|
21
|
24
|
29
|
30
|
36
|
40
|
48
|
46
|
45
|
40
|
43
|
45
|
44
|
47
|
33
|
27
|
22
|
18
|
24
|
23
|
22
|
22
|
16
|
10
|
16
|
19
|
(38)
|
(22)
|
(26)
|
(44)
|
30
|
2
|
(0)
|
12
|
2
|
19
|
21
|
19
|
22
|
24
|
32
|
37
|
36
|
31
|
25
|
26
|
25
|
19
|
20
|
16
|
13
|
15
|
14
|
7
|
6
|
(26)
|
(25)
|
(29)
|
(31)
|
4
|
3
|
26
|
51
|
50
|
40
|
8
|
(28)
|
(49)
|
(40)
|
7
|
70
|
101
|
102
|
66
|
27
|
14
|
14
|
(3)
|
(7)
|
4
|
(12)
|
14
|
|
| Net Income (Common) |
20
N/A
|
22
+8%
|
26
+19%
|
23
-13%
|
19
-18%
|
21
+13%
|
23
+7%
|
25
+12%
|
20
-20%
|
24
+18%
|
21
-12%
|
24
+17%
|
29
+18%
|
30
+3%
|
36
+22%
|
40
+11%
|
48
+18%
|
46
-4%
|
45
-1%
|
40
-12%
|
43
+8%
|
45
+6%
|
44
-4%
|
47
+7%
|
33
-30%
|
27
-18%
|
22
-17%
|
18
-18%
|
24
+28%
|
23
-1%
|
22
-6%
|
22
+1%
|
16
-26%
|
10
-40%
|
16
+61%
|
19
+24%
|
(38)
N/A
|
(22)
+43%
|
(26)
-20%
|
(44)
-71%
|
30
N/A
|
2
-95%
|
(0)
N/A
|
12
N/A
|
2
-85%
|
19
+929%
|
21
+15%
|
19
-12%
|
22
+15%
|
24
+10%
|
32
+33%
|
37
+18%
|
36
-4%
|
31
-14%
|
25
-18%
|
26
+3%
|
25
-3%
|
19
-27%
|
20
+8%
|
16
-21%
|
13
-17%
|
15
+12%
|
14
-4%
|
7
-49%
|
6
-15%
|
(26)
N/A
|
(25)
+4%
|
(29)
-16%
|
(31)
-8%
|
4
N/A
|
3
-38%
|
26
+864%
|
51
+96%
|
50
-3%
|
40
-19%
|
8
-79%
|
(28)
N/A
|
(49)
-74%
|
(40)
+20%
|
7
N/A
|
70
+897%
|
101
+45%
|
102
+1%
|
66
-35%
|
27
-59%
|
14
-50%
|
14
+1%
|
(3)
N/A
|
(7)
-132%
|
4
N/A
|
(12)
N/A
|
14
N/A
|
|
| EPS (Diluted) |
1.68
N/A
|
1.82
+8%
|
2.17
+19%
|
1.9
-12%
|
1.56
-18%
|
1.77
+13%
|
1.9
+7%
|
2.11
+11%
|
1.68
-20%
|
2
+19%
|
1.75
-13%
|
2.05
+17%
|
2.41
+18%
|
2.48
+3%
|
3.02
+22%
|
3.35
+11%
|
3.97
+19%
|
3.8
-4%
|
3.77
-1%
|
3.31
-12%
|
3.57
+8%
|
3.78
+6%
|
3.65
-3%
|
3.91
+7%
|
2.72
-30%
|
2.22
-18%
|
1.85
-17%
|
1.52
-18%
|
1.95
+28%
|
1.93
-1%
|
1.82
-6%
|
1.84
+1%
|
1.35
-27%
|
0.81
-40%
|
1.29
+59%
|
1.59
+23%
|
-3.17
N/A
|
-1.81
+43%
|
-2.16
-19%
|
-3.68
-70%
|
2.51
N/A
|
0.15
-94%
|
-0.02
N/A
|
1.03
N/A
|
0.15
-85%
|
1.55
+933%
|
1.75
+13%
|
1.57
-10%
|
1.8
+15%
|
1.98
+10%
|
2.64
+33%
|
3.11
+18%
|
3
-4%
|
2.56
-15%
|
2.1
-18%
|
2.18
+4%
|
2.12
-3%
|
1.56
-26%
|
1.69
+8%
|
1.34
-21%
|
1.11
-17%
|
1.24
+12%
|
1.18
-5%
|
0.6
-49%
|
0.52
-13%
|
-2.16
N/A
|
-2.08
+4%
|
-2.4
-15%
|
-2.59
-8%
|
0.37
N/A
|
0.23
-38%
|
2.18
+848%
|
4.27
+96%
|
4.16
-3%
|
3.37
-19%
|
0.7
-79%
|
-2.36
N/A
|
-4.12
-75%
|
-3.29
+20%
|
0.58
N/A
|
5.82
+903%
|
8.45
+45%
|
8.5
+1%
|
5.52
-35%
|
2.28
-59%
|
1.15
-50%
|
1.15
N/A
|
-0.26
N/A
|
-0.59
-127%
|
0.29
N/A
|
-0.98
N/A
|
1.16
N/A
|
|