Asian Life Insurance Financials show profit growth in FY 2082
5th February 2026, Kathmandu
Asian Life Insurance Company Limited ALICL has released its consolidated financial results for the fiscal year ended Ashad 2082 mid July 2025 delivering a robust performance characterized by a double digit surge in net profit and a significant expansion of its life insurance fund. The latest data underscores the company’s ability to navigate a competitive insurance landscape while maintaining high solvency and capital efficiency.
Asian Life Insurance Financials
Following the successful listing of its 42 percent right shares in late 2025 the company has seen its paid up capital climb to 5 billion rupees further stabilizing its financial standing as it moves into the 2082/83 operational period.
Asset Growth and Financial Position
The consolidated statement of financial position as of Ashad 2082 reveals that Asian Life Insurance has expanded its total assets to over 56.69 billion rupees at the group level. This growth is primarily driven by a strategic shift toward long term investment instruments and policyholder loans.
Life Insurance Fund: The fund grew by 11.22 percent reaching 48.48 billion rupees by the end of the first quarter of the subsequent year. This fund acts as the primary reserve for future policyholder claims.
Long Term Investments: These assets surged to approximately 36.95 billion rupees reflecting a disciplined approach to securing long term returns for both the company and its participants.
Shareholders Equity: Total equity reached approximately 4.58 billion rupees bolstered by a 16.85 percent expansion in the reserve fund which now stands at 941.4 million rupees.
Profitability and Earnings Performance
The profit and loss statement for the fiscal year ended Ashad 2082 indicates a net profit after tax of approximately 812.14 million rupees at the group level. The company’s core business operations showed resilience with gross written premiums crossing 13 billion rupees.
Net Insurance Premium Income: This key revenue metric climbed by 13.16 percent to 2.28 billion rupees in the initial months following the fiscal year end.
Investment Income: Total income exceeded 13.18 billion rupees supported by rising interest rates on bonds and term deposits as well as returns from policyholder loans.
Earnings Per Share EPS: The annualized EPS for the period was reported at 12.04 rupees a significant improvement from the previous years 9.66 rupees reflecting enhanced capital utilization after the right share adjustment.
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Dividend Announcement and 18th Annual General Meeting
In early February 2026 Asian Life Insurance announced a 10.5263 percent dividend for the fiscal year 2081/82 based on the 5 billion rupee paid up capital. This dividend consists of:
Bonus Shares: 5 percent of the current capital worth 250 million rupees.
Cash Dividend: 5.5263 percent worth 276.3 million rupees for tax and liquid returns.
The company has officially called its 18th Annual General Meeting for Falgun 11 2082 February 23 2026 to endorse these payouts and review the audited financial statements.
Policyholder and Operational Metrics
Despite the financial gains the company faced increased pressure from claim settlements which rose in volume during the fiscal year.
New Business Growth: First year premium income grew by over 22 percent reaching 2.36 billion rupees showing strong acquisition of new clients.
Renewal Premium Stability: Renewal premiums stood at 7.05 billion rupees providing a predictable and stable cash flow for the insurance fund.
Policy Attrition: The total number of in force policies stood at 927650 a decrease from previous peaks suggesting a more refined focus on high quality or long term policy retention.
Regulatory Compliance and Solvency
Asian Life Insurance remains well within the regulatory mandates of the Nepal Insurance Authority. Its solvency margin ratio has consistently stayed above the 2.21 mark far exceeding the minimum requirement. This high solvency ratio ensures that the company can meet its financial obligations under extreme stress conditions providing peace of mind to its nearly 1 million policyholders.
Conclusion
The financial results for FY 2082 mark a year of consolidation and growth for Asian Life Insurance. By successfully integrating new capital through right shares and maintaining a healthy 10 percent dividend track record the company has balanced shareholder expectations with policyholder security. As the company moves toward the end of the 2082/83 fiscal year the focus will likely remain on reducing claim settlement lag and further expanding its footprint in the rural micro insurance segment.
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