DUPONT

  Unit Q3 2025 Q4 2025 Q1 2026
Return on Equity % 3.21 3.51 3.20
Return on Sales (ROS) % 8.18 8.29 8.31
Asset Turnover revs 0.04 0.04 0.03
Financial Leverage Times 10.98 11.72 12.06

Management Effectiveness

  Unit Q3 2025 Q4 2025 Q1 2026
Direct written premium Billions 10,447.06 11,291.14 10,937.40
Growth rate on direct written premium % -6.94 8.08 -3.13
Net insurance premium Billions 9,749.59 10,549.60 9,819.43
Sales % -8.55 8.21 -6.92
Claim ratio % 53.30 57.54 51.52
Expense ratio % 31.33 27.69 31.47
Combined ratio % 84.64 85.22 82.99

Asset Quality

  Unit Q3 2025 Q4 2025 Q1 2026
Gross claims reserve To Direct written premium % 26.77 29.09 28.05
Total investment assets To Total assets %
Tỷ lệ tài sản thanh khoản cao/Tổng huy động Times 13.29 13.33 14.03
Total investment asset To Direct written premium Times
Short-term investments To Direct written premium Times 11.07 11.28 12.68