＜up to FY2013＞ Sompo Japan (Unconsol.)

Net Premiums Written

Net Loss Ratio

Net Operating Expenses Ratio

Ordinary Profit

Net Income

Key Financial Indicators

Download key financial indicators(XLS/33KB)

Fiscal Year	FY2009	FY2010	FY2011	FY2012	FY2013
Ordinary income (millions of yen)	1,661,802	1,637,215	1,716,224	1,702,481	1,699,997
% change	1.5	(1.5)	4.8	(0.8)	(0.1)
Net premiums written (millions of yen)	1,258,896	1,256,639	1,281,155	1,327,361	1,413,818
% change	(2.4)	(0.2)	2.0	3.6	6.5
Under writing profit (loss) (millions of yen)	(2,585)	(9,716)	(24,994)	(25,704)	(32,844)
% change	-	-	-	-	-
Ordinary profit (loss) (millions of yen)	50,318	20,541	3,964	65,058	68,079
% change	－	(59.2)	(80.7)	1,540.9	4.6
Net income (loss) (millions of yen)	42,774	12,124	(37,518)	29,137	27,350
% change	－	(71.7)	(409.4)	－	(6.1)
Net loss ratio (%)	73.9	72.5	80.6	70.6	64.6
Net operating expenses ratio (%)	34.1	33.7	33.0	32.8	31.4
Interest and dividend income (millions of yen)	91,009	86,463	78,375	79,498	78,110
% change	(11.2)	(5.0)	(9.4)	1.4	(1.7)
Return on investments (income base) (%)	2.28	2.21	2.13	2.28	2.20
Return on investments (realized base) (%)	2.68	2.07	1.86	3.93	4.04
Common stock (millions of yen)	70,000	70,000	70,000	70,000	70,000
Number of shares outstanding (thousands)	984,055	984,055	984,055	984,055	984,055
Net assets (millions of yen)	820,181	696,037	578,607	704,843	782,538
Total assets (millions of yen)	5,029,232	4,786,371	4,600,592	4,745,077	4,838,707
Assets in saving-type account (millions of yen)	1,177,782	1,069,884	1,004,327	908,196	832,902
Underwriting reserves (millions of yen)	3,109,784	3,005,440	2,839,957	2,761,331	2,766,781
Loans (millions of yen)	476,173	455,617	422,163	411,282	421,875
Securities (millions of yen)	3,525,735	3,359,247	3,104,476	3,184,642	3,264,956
Non-consolidated solvency margin ratio (%)	800.0	748.6	502.5	645.6	713.3
Equity ratio (%)	16.3	14.5	12.6	14.9	16.2
Net assets per share (yen)	832.14	707.31	587.98	716.26	795.21
Dividends per share (yen)	20.00	25.14	103.70	26.92	15.70
Interim dividend per share (yen)	－	－	－	－	－
Net income per share (yen)	43.44	12.32	(38.12)	29.60	27.79
Diluted net income per share (yen)	43.40	－	－	－	－
Return on equity (%)	6.0	1.6	(5.9)	4.5	3.7
Payout ratio (%)	46.0	204.1	－	90.9	56.5
Employee headcount	17,294	18,708	18,270	17,825	17,084

(notes)
1) Net loss ratio = (Net claims paid + Loss adjustment expenses) / Net premiums written
2) Net operating expenses ratio = (Net commissions and brokerage fees + Operating, general and administrative expenses related to underwriting) / Net premiums written
3) Return on investments (income base) = interest and dividend income (including amounts which correspond to interest and dividend income of investment gains and losses on money trusts)
/ average balances of investment assets based on the cost or the amortized cost
4) Investment return (realized base) = (Investment income + Interest and dividend income on deposits of premiums, etc. - Investment expenses) / average balances of investment assets based on the cost or the amortized cost
5) In the non-consolidated solvency margin ratios presented above, the figures for FY2010 and before and the figures for FY2011 and later are calculated on a different basis, reflecting the law revision concerning the standards for the calculation of solvency margin ratio that was enforced at the end of FY2011.
6) Diluted net income per share for FY2010 and later are not shown due to non-existence of dilutive shares.
7) Return on equity = Net income / Net assets (average balance at the end/start of each fiscal year)