Sanima GIC Insurance Limited Reports Fourth Quarter Financial Results for Fiscal Year 2025/26

14th August 2026, Kathmandu

Sanima GIC Insurance Limited which operates as a prominent non life insurance provider in Nepal has officially published its unaudited fourth quarter financial results for the fiscal year 2025/26.

Sanima GIC Financial Results

The official financial disclosures provide a detailed overview of the overall financial condition underwriting operations premium collection efficiency reserve management and earnings metrics of the company. Throughout the twelve month review period the general insurer registered steady top line expansion in net premium earnings alongside growth in total assets and capital buffers despite a contraction in bottom line net profit.

Contraction in Net Profit Performance

In terms of bottom line earnings the official financial disclosures indicate that Sanima GIC Insurance posted a net profit of Rupees 13 crore during the review fiscal year 2025 26. When compared to the net profit of Rupees 33.67 crore earned during the corresponding period of the previous fiscal year this performance reflects a decrease of 61.39 percent. A detailed evaluation of this profit contraction indicates that a substantial surge in total claim payouts and elevated operational costs across the general insurance sector influenced overall net earnings during the fiscal year.

Capital Structure Reserves and Investment Portfolio

A critical measure of balance sheet stability for any general insurance firm lies in its capital foundation reserve buffers and deployment assets. During fiscal year 2025 26 Sanima GIC Insurance maintained solid equity indicators and capital reserves:

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• Paid Up Capital: The total paid up share capital of the company expanded by 5 percent to reach Rupees 2.26 billion compared to Rupees 2.15 billion in the previous fiscal year.
• Insurance Fund Growth: The total insurance fund maintained by the enterprise grew by 6.27 percent rising to Rupees 4.36 billion up from Rupees 4.10 billion reported in the prior fiscal period.
• Catastrophe Reserve Expansion: The company increased its catastrophe reserve by 14.15 percent to reach Rupees 5.24 crore strengthening its capacity to absorb large scale emergency claim liabilities.
• Total Investments: Total investments made by the insurer accumulated to Rupees 3.65 billion across the review period highlighting a structured deployment of funds into income generating assets.

Premium Income Growth and Surge in Claim Settlement Obligations

Sanima GIC Insurance recorded positive growth across its primary underwriting operations alongside an increase in claim settlement expenses:

• Net Insurance Premium Income: Net premium earnings expanded by 9 percent during the review period reaching Rupees 83.30 crore compared to Rupees 76.42 crore generated in the previous fiscal year.
• Total Claim Payments: Total claim payouts settled by the company rose significantly to Rupees 1.80 billion compared to Rupees 1.16 billion reported in the preceding fiscal period representing a major cost driver during the year.

Per Share Indicators and Financial Ratios

The profit adjustments directly influenced key per share performance indicators and regulatory ratio metrics for the company:

• Earnings Per Share: Annualized earnings per share for Sanima GIC Insurance stood at Rupees 5.77 for the fiscal year.
• Net Worth Per Share: The reported net worth per share of the enterprise reached Rupees 147.33 at the close of the review period.
• Solvency Margin Ratio: The regulatory solvency margin ratio remained unchanged at 5.85 percent demonstrating adequate solvency coverage relative to regulatory baselines.

Conclusion and Future Outlook

The fourth quarter financial results published by Sanima GIC Insurance Limited for fiscal year 2025 26 highlight a combination of business expansion and short term profit compression. While net insurance premium income grew by 9 percent to Rupees 83.30 crore and the total insurance fund expanded to Rupees 4.36 billion elevated claim payouts of Rupees 1.80 billion led to a 61.39 percent drop in annual net profit down to Rupees 13 crore. Managing claim ratios and optimizing risk management frameworks will remain crucial priority areas for the enterprise in upcoming fiscal periods.

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