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Net of reinsurance (Including Excess of Loss Reinsurance ceded) <BR> ii. Net of accretion/amortisation (including capital gains) <BR> iii.Commission is net of commission received on reinsurance ceded <BR> iv.Incurred claims are net of reinsurance recoveries <BR> v.Analytical ratios have been calculated as per definiton given in IRDAI analytical ratios disclosures <BR> va.Solvency has been computed as at last day of the period <BR> vb.The Expenses of Management has been computed on the basis of Gross Direct Premium <BR> vi. Not Annualized for the periods / quarters <BR> vii. Net of Debit balance in Profit & Loss account and includes ESOP Reserve0Contribution from Shareholders Funds towards Excess EOM0Contribution towards remuneration of MD/CEO/WTD/Other KMPs2200000Others1700000Business Development & Sales Promotion Expenses288300000Other expenses564100000Other income850000012240000070500000100000-296000001800000000018770000010200000026854000002230000003000007612000003400000001429980000026942000003500000253700000238000000-88600000358000000Crop458000000474000000i. Segments include : (A) Fire, (B) Marine, (C) Health including Personal Accident - (i) Health Retail, (ii) Health Group/Corporate, and (iii) Health Government Schemes, (D) Motor, (E) Miscellaneous - (i) Retail, (ii) Group / Corporate, (F) Crop Insurance <BR> *Includes Travel Insurance000000000Crop035380000025500000014000000-22880000050700000-232340000042200000137700000Crop-750000042440000027300000024200000-55000008470000037430000066000000173500000Crop39900000163220000024800000037900000074846000007830000028901100000521400000556300000Crop014048000004760000001279000003019200000150190000086748200000636900000880000000Crop2346500000