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

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Leadership and BeyondREINSURANCEThe International reinsurance market in 2012-13 was relatively stable inspite of the major catastrophe of HurricaneSandy in the USA. On the domestic side, there were a few catastrophes such as Cyclone “Nilam”, UttarakhandCloudburst and Assam Floods but the losses due to these events were well within the net retention of the company.As no major losses were reported in the year 2012, re-insurance capacity was adequate and no significant changewas observed in pricing of re-insurance renewals.The renewal of all treaties was completed as per schedule. This year several Reinsurers evinced interest in reenteringthe Indian market in anticipation of improved economic and Insurance Industry scenario. The Companyhas underwritten and completed the placement of Reinsurance of the prestigious satellite GSAT-10. We havecontinued our Inward Reinsurance acceptances on treaty and facultative basis selectively and this portfolio isgrowing steadily..Overall, the year saw Reinsurance capacities maintained with adequate capital from well rated markets from Europeas well Afro-Asian countries.TECHNO MARKETINGTechno Marketing Department is specially created at corporate office, as a single window facility for underwritingof Large Risks. With the help of dedicated offices set up at select centers, Techno Marketing department continuedto maintain its number one position in the Indian market for underwriting maximum number of operational largerisks in terms of numbers and premium volume.Apart from operational large risk policies, Techno Marketing department also underwrites (as an exclusive function)large project policies, petrochemical plants, infrastructure projects including major power plants which have globalparticipation. This department plays a key role in offering project policies of international standards and New India’spresence is dominant in this sector.Techno Marketing department also exclusively underwrites Stand Alone Terrorism policies, which are reinsurancedriven.Downward trend in world economy continued this year also and did influence adversely the investments in newprojects. Few major thermal power project proposals were finalized but did not start due to coal linkage issues,both imported as well as indigenous. In effect, new business opportunities got reduced. On the other hand, withmore number of insurers operating with increased capacity, competition became stiffer.The company will continue to maintain the lead position in future by underwriting more projects as well as operationallarge risks on the strength of underwriting capacity, technical competence and experience.FIRE AND ENGINEERING INSURANCEFire and Engineering portfolios of the company have traditionally been robust ones, showing good growth andhealthy surpluses. However, two factors have weighed heavily against all insurers in the country in the last fewyears in respect of these two lines of business. By their very nature, these line of businesses are somewhat tiedto the overall economic growth, specifically industrial growth in the country and that the country has been passingthrough sluggish economic growth for more than two years now. Secondly, the insurance market in India has beenmarked by reduced rates.In spite of all this, the company has been able to show a creditable 18% growth in Fire portfolio in 2012-13 ascompared to a 10% growth in 2011-12. Engineering business also has shown a moderate increase of 7.50%. Alloutefforts were made during the year to both tighten underwriting norms and manage claims more efficiently andproactively.ANNUAL REPORT35
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Leadership and BeyondviiiImpairment
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Leadership and BeyondThe Company is
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Leadership and BeyondFor a portfoli
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Leadership and BeyondThe Company cl
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Leadership and Beyondmarket risk po
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Leadership and Beyondix)Sensitivity
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Leadership and Beyondxii)investment
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Leadership and Beyondxiv)xv)xvi)•
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Leadership and BeyondStatement of f
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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 BeyondPlant &Machine
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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 BeyondFire GeneralAc
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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 BeyondCategory Male
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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 Beyond44. Contingenc
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Leadership and Beyondd) Reconciliat
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Leadership and Beyonde) Reconciliat
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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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