Financial Year 2012-13 (27 MB) - The New India Assurance Co. Ltd.

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Leadership and BeyondProvision for unexpired risksProvision for unexpired risks represents the amount set aside at the end of the year in respect ofsubsequent risks to be borne by the company under contracts of insurance in force at the end of theyear and are computed as a percentage of the provision for unearned premiums at the end of theyear.(u)Provision for other insurance financial liabilitiesA provision is recognised when the Company has a present legal or constructive obligation, as a resultof past events, which it is probable, will result in an outflow of resources and when a reliable estimateof the amount of the obligation can be made.(v)Employee benefitsThe directors have agreed to pay a gratuity to managerial employees on retirement after ten yearsor more of service. For non-managerial employees, a discretionary gratuity on retirement after tenyears or more of service will be paid. The liability arising is adequately provided for in these financialstatements.(w)Revenue recognitionPremium incomePremiums written are recognized on policy inception and earned on a pro rata basis over the term ofthe related policy coverage.Commission incomeThe fee is recognized as revenue in the period in which it is received unless these relate to serviceto be provided in future periods. If the fees are for services to be provided in future periods, theseare deferred and recognized in the income statement as the service is provided over the term of thecontract. Initiation and other front-end fees are also deferred and recognized over the term of thecontract.Investment incomeInterest income is recognized in the income statement as it accrues, taking into account the effectiveyield of the asset or an applicable floating rate. Interest income includes the amortization of anydiscount or premium. Investment income also includes dividends, which are recognized as received.Realised gains and losses recorded in the income statementRealised gains and losses on the sale of property and equipment and of available for sale financialassets are calculated as the difference between net sales proceeds and the original cost. Realisedgains and losses are recognized in the statement of comprehensive income when the sale transactionoccurs.(x)Expenses of managementExpenses of management are apportioned to the various business segments on the basis of grosspremium income written for each class of business with the exception of Barbados, which are directlyallocated.ANNUAL REPORT265
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Leadership and BeyondLEADING LIGHTS
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Chairman's MessageLeadership and Be
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Leadership and BeyondF Commission (
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Leadership and BeyondREINSURANCEThe
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Leadership and BeyondINFORMATION TE
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Leadership and BeyondPARTICULARS OF
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Leadership and BeyondBOARD OF DIREC
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Leadership and BeyondSchedules for
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Leadership and BeyondReceipts & Pay
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Leadership and BeyondSEGMENT REPORT
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Leadership and Beyondamount payable
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Leadership and Beyond18 As per IRDA
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Leadership and BeyondviiiImpairment
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Leadership and BeyondThe Company is
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Leadership and Beyondmarket risk po
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Leadership and Beyondix)Sensitivity
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Leadership and Beyond31 December 20
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Leadership and Beyond1 January 2011
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Leadership and Beyond(e) Financial
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Leadership and Beyond2012N'0002011N
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Leadership and BeyonddDeferred tax
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Leadership and Beyond1 January2012R
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Leadership and BeyondNOTES TO THE F
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Leadership and Beyond38(a) Profit b
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Leadership and Beyond(c) The Compan
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Leadership and BeyondReconciliation
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Leadership and Beyond43. Analysis o
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Leadership and BeyondPreviousGAAPEf
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Leadership and BeyondPRESTIGE ASSUR
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Leadership and BeyondPRESTIGE ASSUR
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Leadership and BeyondTHE NEW INDIA
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Leadership and BeyondTHE NEW INDIA
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Leadership and BeyondC. SUBSIDIARY
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Financial Year 2012-13 (27 MB) - The New India Assurance Co. Ltd.

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