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  • Determinants of Insurance's Profitability

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    Nahidul Islam IU
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    The profitability of insurance companies is determined by 35 factors including claims ratios, expense ratios, investment yields, growth rates of premiums and assets, leverage and liquidity ratios, returns on assets and equity, inflation, management competence, and underwriting risk. The document lists these key determinants and metrics that insurance companies consider in evaluating and ensuring their ongoing profitability.

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    The profitability of insurance companies is determined by 35 factors including claims ratios, expense ratios, investment yields, growth rates of premiums and assets, leverage and liquidity ratios, returns on assets and equity, inflation, management competence, and underwriting risk. The document lists these key determinants and metrics that insurance companies consider in evaluating and ensuring their ongoing profitability.

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    © All Rights Reserved
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    13 views1 page

    Determinants of Insurance's Profitability

    Uploaded by

    Nahidul Islam IU
    The profitability of insurance companies is determined by 35 factors including claims ratios, expense ratios, investment yields, growth rates of premiums and assets, leverage and liquidity ratios, returns on assets and equity, inflation, management competence, and underwriting risk. The document lists these key determinants and metrics that insurance companies consider in evaluating and ensuring their ongoing profitability.

    Copyright:

    © All Rights Reserved
    Download as DOCX, PDF, TXT or read online from Scribd
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    Determinants of Insurance's Profitability

    1. Age of company
    2. Claims ratio
    3. Company size
    4. Growth of gross written premiums
    5. Contribution/premium growth
    6. Earning assets
    7. Economic growth
    8. Equity capital
    9. Equity returns
    10. Expense ratio.
    11. Financial leverage
    12. Fixed assets to total assets
    13. Growth and tangibility of assets
    14. Growth in writing premium
    15. Growth of premiums
    16. Inflation
    17. Investment yield
    18. leverage ratio
    19. Liquidity ratio
    20. Loss ratio
    21. Management competence index
    22. Net profit to surplus
    23. Net profit to total assets
    24. Profit/interest rate levels
    25. Reinsurance dependence
    26. Retention ratio
    27. Return on Assets
    28. Return on equity
    29. Return on investment
    30. Risk retention ratio
    31. Size of insurer
    32. Solvency margin
    33. Standard deviation of sales to average value of sales
    34. Total debt to total assets
    35. Underwriting expenses paid to premiums written.
    36. Underwriting risk
    37. Volume of capital

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