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Net Premium written is Net of reinsurance (including excess of loss reinsurance). &lt;BR&gt; 
2. Income from Investments (Net) is Net of amortisation and losses (including capital gains). &lt;BR&gt; 
3. Commission and Brokerage (Net) is net of commission received on reinsurance cession. &lt;BR&gt; 
4. Reserves &amp; Surplus (excluding revaluation reserve) is Net of debit balance in Profit &amp; Loss Account. &lt;BR&gt; 
5. Analytical ratios have been calculated as per definition given in IRDAI analytical ratios disclosures. &lt;BR&gt; 
5a The Solvency has been computed at the last day of the period. &lt;BR&gt; 
5b Figures for the three months ended &amp; year to date ended are not annualised. &lt;BR&gt; 
5c (a) % of Gross NPA = Gross NPA / Total Investments. &lt;BR&gt; 
     (b) % of Net NPA = (Gross NPA - Provision on investments) / (Total Investments - Provision on    investments). &lt;BR&gt; 
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Health including Personal accident includes Travel Insurance. &lt;BR&gt; 
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