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Dividends declared (per SOCE filings): FY2022 0 · FY2023 0 · FY2024 0
FY2023 basis change: the insurance industry adopted IFRS 17 in FY2023. Figures here come from the regulator's fixed-form 12-month returns (consistent line codes across all years), but the underlying measurement basis still shifts at that boundary. Read trends across the FY2022/FY2023 line with care.
| Ratio | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|
| Loss Ratio | 63.9% | 59.7% | 33.9% | 34.2% | 36.9% | 36.8% | 33.8% | 37.6% | 41.2% |
| Acquisition / Commission Ratio | 6.1% | 8.2% | 4.5% | 6.0% | 9.6% | 5.9% | 4.6% | 6.4% | 4.0% |
| Admin Expense Ratio | 32.5% | 41.7% | 32.4% | 44.0% | 48.7% | 44.9% | 40.4% | 41.2% | 45.5% |
| Expense Ratio | 38.6% | 49.9% | 37.0% | 49.9% | 58.3% | 50.8% | 45.0% | 47.5% | 49.5% |
| Combined Ratio | 102.5% | 109.6% | 70.8% | 84.1% | 95.2% | 87.7% | 78.8% | 85.1% | 90.8% |
| Retention Ratio | 75.8% | 53.8% | 54.4% | 49.9% | 95.1% | 76.8% | 81.7% | 74.9% | 82.5% |
| Underwriting Margin | 42.2% | 48.5% | 70.7% | 71.7% | 72.7% | 69.1% | 70.8% | 68.8% | 62.8% |
| Investment Income / Net Premiums | 6.1% | 8.8% | 10.3% | 19.0% | 25.5% | 21.9% | 22.4% | 24.4% | 26.1% |
| Net Margin | 9.0% | 7.3% | 43.3% | 42.6% | 36.6% | 26.8% | 37.3% | 46.3% | 35.2% |
| ROE | 12.6% | 4.7% | 30.6% | 19.3% | 13.6% | 11.0% | 15.3% | 16.9% | 12.8% |
| ROA | 3.8% | 2.1% | 14.4% | 9.4% | 7.7% | 8.7% | 10.5% | 12.0% | 8.5% |
Statements and underwriting KPIs come from the company's 12-month regulatory returns filed with the Insurance State Supervision Service (insurance.gov.ge); reportal.ge annual-report PDFs stay linked on the year headers where available.
Shareholders, directors and group links from the companyinfo.ge public register — as filed, so stakes need not sum to 100% where a holding is undisclosed.
Ownership & directors from companyinfo.ge (public corporate registry).
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