njrpa fhg;gwjp ek;gpf;ifg; nghwg;g epjpak; annual report 2010... · 2017-08-30 · njrpa fhg;gwjp...

Njrpa fhg;GWjp ek;gpf;ifg; nghWg;G epjpak; tUlhe;j mwpf;if -2010

Njrpa fhg;GWjp ek;gpf;ifg; nghWg;G epjpak; tUlhe;j mwpf;if 2010

1

cs;slf;fk;

gf;fk;

1. Njrpa fhg;GWjp ek;gpf;ifg; nghWg;G epjpak; kw;Wk; $l;Lhpikj; jj;Jtq;fs; 02

njhiyNehf;Fk; gzpj;jpl;lKk;

$l;Lhpikg; ngWkhdq;fs;

$l;Lhpik ,yf;Ffs;

Nj.fh.e.ngh. epjpaj;jpd; gzpg;ghsh;fs; rig

jtprhshpd; kPsha;T

Nj.fh.e.ngh.epjpak; - xU ghh;it

2. #oy; kPsha;T 13

,yq;ifg; nghUshjhu kPsha;T

fhg;GWjpj; Jiw kPsha;T

3. nghWg;Gkpf;f $l;Lhpik gpui[j;Jtk; 17

$l;Lhpik ];jpuj;jd;ik

Nj.fh.e.ngh. epjpaj;jpd; kdpj tsq;fs;

njhopy; Kaw;rp MSif

njhopy; Kaw;rp ,lh; Kfhikj;Jtk;

4. epjpf; $w;Wfs; 34

5. fzf;fha;T mwpf;if 50

6. nrayhw;Wif kPsha;T 58

tUlhe;j mwpf;if 2010 Njrpa fhg;GWjp ek;gpf;ifg; nghWg;G epjpak;

2

1.Njrpa fhg;GWjp ek;gpf;ifg;

nghWg;G epjpak; kw;Wk;

$l;Lhpikj; jj;Jtq;fs;


3

$l;Lhpikj; jj;Jtq;fs;

njhiyNehf;F

gzpj;jpl;lk;

gpd;tUkhW eltbf;if vLg;gjd; Clhf ,yq;ifapd; r%f>

nghUshjhu mgptpUj;jpapy; gq;Nfw;wy;:-

• r%fj;jpd; rfy ,y;yhf;FiwAila gphptpdUk; jhq;fpf;

nfhs;sf;$baJk; tpidj;jpwdhdJk; Kw;Nghf;fhdJkhd

fhg;GWjpj; jpl;lq;fis Vw;gLj;jy;.

• khw;wKWk; Njitfspd; Clhf vOk; cau; ,lu;fSf;F

cj;juthjk; mspf;Fk; nghUl;L tsq;fisj; jpul;LjYk;

NtW Vw;ghLfs; topNa cs;ehl;Lr; re;ijf;Fj; jPu;Tfis

toq;FjYk;.

• cs;ehl;Lf; fhg;GWjpr; re;ijf;F Nkyjpf tha;g;gspf;Fk;

nghUl;L ,yq;ifapy; kPs; fhg;GWjpr; re;ijnahd;iw

Vw;gLj;jy;.

,y;yhf;FiwAila midj;Jg; ghptpdUf;Fk; fhg;G

tiyaikg;nghd;iwAk; ghJfhg;igAk; Vw;gLj;Jjy;


4

$l;Lhpikg; ngWkhdq;fs;

• mjpAah; juk; kpf;f Nrit

• tpidj;jpwd;> ek;gpf;if

• ek;gfj; jd;ik

• Neh;ik> gf;fr;rhh;gpd;ik

• ek;gpr; rhh;e;jpUj;jy;

• nghWg;Gf; $wy;

• epjp hPjpahd fhj;jpuj; jd;ik> ghJfhg;G

• njhopy;thz;ik kpf;f

Kfhikj;Jtk;

• Mf;fG+h;tkpf;f re;ijr; nraw;ghLfs;


5

$l;Lhpik ,yf;Ffs;

r%fj;jpd; midj;Jj; jug;gpdiuAk; cs;slf;ff;$bathW cj;Njr ,yf;Ff; FOf;fspd; eyNdhk;Giff;fhd fhg;GWjpj; jpl;lq;fis nraw;gLj;Jjy;

kPs; fhg;GWjpr; re;ijapy; Fiwe;jgl;rk; 50% rjtPjj;ijf; ifg;gw;Wk; nghUl;L kPs; fhg;GWjpj; jpl;lnkhd;iw cUthf;fp Kfhik nra;jy

Njrpa fhg;GWjp ek;gpf;ifg;nghWg;G epjpaj;jpdhy; nraw;gLj;jg;gLk; rfy fhg;GWjpj; jpl;lq;fspdJk; Kfhikj;Jtj;ijj; jd;dpaf;fg;gLj;Jjy;

rfy gadhspfSf;Fk; kpfTk; tpidj;jpwdhd xU Nrit toq;fg;gLtij cWjpnra;Ak; nghUl;L kdpj ts mgptpUj;jpia Vw;gLj;Jjy;.

mLj;JtUk; Ie;jhz;L fhyg;gFjpapy; Mff;$ba tUthia <l;Lk; nghUl;L Njrpa fhg;GWjp ek;gpf;ifg;nghWg;G epjpaj;jpd; KjyPLfis Kfhik nra;jy;


6

fy;tp tpopg;g+l;ly; epfo;r;rpj;jpl;lq;fspd; Clhf Fwpj;j fhg;GWjpj; jpl;lq;fspy; gq;Fgw;Wk; gq;fPl;Lg;ghl;lhsh;fisj;; J}z;LjYk; Cf;Ftpj;jYk;.

Njrpa fhg;GWjp ek;gpf;ifg;nghWg;G epjpaj;jpd; vjpu;fhy eltbf;iffis ,yFgLj;Jtjw;F Vw;w tifapy; Nghjpa cl;fl;likg;G trjpfis tpUj;jp nra;jy;

,lu;tuT Kfhikj;Jt mynfhd;iw epWtp re;ij Ma;Tfspd; Clhf jkJ vjpu;fhy fhg;GWjp eltbf;iffs; njhlh;gpy; Njrpa fhg;GWjp ek;gpf;ifg;nghWg;G epjpaj;jpw;F topfhl;Ljy;

,aw;if mdh;j;j fl;lhaf; fhg;GWjp cj;juthjj; jpl;lnkhd;iw Vw;gLj;jy;

,sk; jiyKiwapdhpd; gq;Nfw;ig Cf;Ftpg;gjd; %yk; fhj;jpukhd fhg;GWjpg; gzpahl;njhFjpapd; vjph;fhy tsUk; Njitfis epiwTnra;Ak; nghUl;L fy;tp kj;jpa epiyankhd;iwr; nraw;gLj;Jjy;


7

Njrpa fhg;GWjp ek;gpf;ifg;nghWg;G

epjpaj;jpd; gzpg;ghsh; rig


8

jpU. V. Nf. nrdtpuj;d (5) jw;Nghija jtprhsh;

2010

� jpU. Nrdf;f b. mNgFzNrf;fu (1) – jtprhsh;

� jpU. lgps;A+. vr;. gpajhr (6) - rig cWg;gpdh;

� lhf;lh;. Nyh`pj rkutpf;fpuk (3) - rig cWg;gpdh;

� jpU. vd;. FyNrfu (2) - rig cWg;gpdh;

� jpU. N[. jly;yNf (4) - rig cWg;gpdh;

� jpU. V. Nf. nrdtpuj;d (5) - rig cWg;gpdh;


9

jtprhshpd; kPsha;T

2010 Mz;lwpf;ifiar; rkh;g;gpj;jy;

Njrpa fhg;GWjp ek;gpf;ifg; nghWg;G

epjpak; rhh;ghf 2010 Mk; Mz;L

jpnrk;gh; 31 Mk; jpfjpAld; Kbtile;j

Mz;Lf;fhd 2010 Mz;lwpf;ifiaAk;

fzf;fha;T nra;j epjpf; $w;Wf;fisAk;

rkh;g;gpg;gjpy; ehd; ngUk;

kfpo;r;rpailfpNwd;.

r%fg; nghUshjhu kPsha;T

rh;tNjr nghUshjhu neUf;fbfs;>

,Wjpf; fl;l Aj;jj;jpd; NghJ epytpa

mjpfsthd td;Kiwfs; Mfpatw;wpd;

fhuzkhf 2009 ,y; nkhj;j cs;ehl;L

cw;gj;jp 3.5 tPjkhf Fiwe;jJld;>

ntspehl;L xJf;fq;fSk; Fwpg;gplf;

$basT tPo;r;rp fz;lJ. ,Ug;gpDk;

Aj;jk; epiwtile;jjd; gpd;dh; th;j;jf

r%fj;jpdhplk; ek;gpf;iffs; Jhpjkhf

mjpfhpj;jd. kw;Wk; 2009 ,y; rh;tNjr

ehza epjpaj;Jld; Nkw;nfhs;sg;gl;l

cld;gbf;ifapd; fhuzkhfTk; th;j;jf

r%fj;jpd; ek;gpf;iffs; mjpfhpj;jd.

mjd; fhuzkhf 2010 Mk; Mz;L

,yq;if fhj;jpukhd tsh;r;rpiag;

gjpTnra;jJ. ,f;fhyj;jpy; nkhj;j

cs;ehl;L cw;gj;jp 8 rjtPjkhf

mjpfhpj;jJ. ngWjy;fs; cs;slq;fyhf

cj;jpNahf G+h;t ntspehl;L xJf;fq;fs;

6.6 gpy;ypad; I.mnk. nlhyh;fshf

mjpfhpj;jJ (5.9 khj ,wf;Fkjpfs;). 2011

Mk; Mz;L ghhpa mstpyhd tptrha

epyq;fs; nts;sg; ngUf;fpdhy;

ghjpf;fg;gl;l nghOjpYk; $l

Aj;jj;jpw;Fg; gpd;duhd tl fpof;F

khfhzq;fspy; nghUshjhu kPs;

xUq;fpizg;Gfspd; fhuzkhf tptrhak;

flw;nwhopy; Mfpad ,k;khtl;lq;fspy;

rpwg;ghf mjpfhpj;jJ. Aj;jj;jpdhy;

ghjpf;fg;gl;l gpuNjrq;fis kPs; eph;khdk;

nra;jy; kw;Wk; ehL KOtjpYk;

cl;fl;likg;G trjpfis mgptpUj;jp

nra;jy; MfpatdTk; tsh;r;rp fz;ld.

cy;yhrg; gpuahzj;Jiw Fwpg;gpl;lsT

tsh;r;rpfis gjpT nra;jJ. 2010 Mk;

Mz;L Vw;WkjpahdJ MNuhf;fpakhf 17

tPjj;jpw;F tsh;r;rp fz;lJ. 2009 Mk;

Mz;by; 3.3 gpy;ypad;

mnk.nlhyh;fshff; fhzg;gl;l

ntspehl;by; Ntiy nra;fpd;w

,yq;ifah;fsJ gz mDg;gPLfs; 2010

Mk; Mz;L 4.1 gpy;ypad; mnk.nlhyuhf

mjpfhpj;jJ. ,uz;lhtJ tUlj;jpy;

Nehf;Fifapy; nfhOk;G gq;Fr;

re;ijahdJ ,uz;lhtJ rpwe;j

nrayhw;Wif kp;f;f re;ijahfj;

jpfo;e;jJ. Aj;jf; fhyg;gFjpapy; ,uz;L

,yf;fj;jpw;F mjphpj;Jr; nrd;w

gztPf;ffkhdJ 2010 Mk; Mz;by;

Rkhh; 7 tPjkhff; Fiwtile;jJ.

Nkd;Nehf;F

jdJ Muk;g mf;u`hu fhg;GWjpj;

jpl;lj;Jld; 2006 Mk; Mz;bd; 28 Mk;

,yf;f Njrpa fhg;GWjp ek;gpf;ifg;

nghWg;G epjpar; rl;lj;jpd; gpufhuk; 2006

Mk; Mz;by; Njrpa fhg;GWjp ek;gpf;ifg;

nghWg;G epjpak; jhgpf;fg;gl;lJ. epjp>

jpl;lkply; mikr;rpdhy; cs;thq;fg;gl;l

,d;iwa mf;u`hu fhg;GWjpj; jpl;lk;

Nghd;W Ntiy epWj;jq;fs;> fpsh;r;rpfs;>

rptpy; nfhe;jspg;Gfs;> gaq;futhu

epjpaj;ij tp];jhpg;gjw;Fg; Gwk;ghf

ghuhSkd;w cWg;gpdh;fSf;fhd

fhg;GWjpj; jpl;lk;> Nkhl;lhh; thfd


10

fhg;GWjpj; jpl;lk; kw;Wk; ntspehl;L

Ntiytha;g;Gf; fhg;GWjpj; jpl;lk; Nghd;w

20 rjtPj epfo;r;rpj; jpl;lq;fisr;

nraw;gLj;jp 2008 Mk; Mz;lstpy;


epjpak; jdJ fhg;GWjp Nehf;nfy;iyia

tphptilar; nra;jJ. 2009 Mk; Mz;by;


epjpakhdJ Nkhl;lhh; fhg;GWjpj;

jpl;lj;ij jdpahh; Jiwf;F toq;fpajd;

%ykhfTk; jP> fly;rhh; fhg;GWjp Nghd;w

gy;NtW tifahd fhg;GWjpj; jpl;lq;fs;

%ykhf nghJf; fhg;GWjp tpahghuj;jpy;

<Lgl;ljd; %yk; jdJ tpahghu

Nehf;nfy;iyia NkYk; tphptilar;

nra;jJ. NkYk; 2010 Mk; Mz;L

mDuhjGuk;> `k;ghe;Njhl;il Nghd;w

gpuNjrq;fspy; Gjpa fpisfisj;

jpwe;jjd; %yk; Gtpapay; hPjpahf jdJ

tpahghuj;ij tphpTgLj;jpaJ.


epjpaj;jpd; gq;fspg;Gfs;

mf;u`hu kw;Wk; thfdf;

fhg;GWjpj;jpl;lq;fis kpFe;j rYif

mbg;gilapYk;> rpf;fd fl;lzj;jpYk;

nghJkf;fSf;fhf eilKiwg;gLj;Jtjd;

%yKk; murhq;fj;jpd; epjp hPjpahd

tsq;fisg; ghJfhg;gjd; %yKk; Njrpa

fhg;GWjp ek;gpf;ifg; nghWg;G epjpak;

njhlh;r;rpahf jdJ Nritfis r%f

eyDf;fhf toq;fptUfpd;wJ. ,y;yhj

gl;rj;jpy; ,J jdpahhj;Jiwf;F

toq;fg;gl;bUf;fyhk;. 20 tPj gpd;dpaf;f

epfo;r;rpj; jpl;lj;ij

eilKiwg;gLj;jpajd; %yk;

ntspehl;Lf;Fr; nry;Yk; ehzaj;jpd;

msT Fwpg;gplf;$basT Fiwtile;jJ.

Ntiy epWj;jq;fs;> fsfq;fs;> rptpy;

nfhe;jspg;Gfs;> gaq;futhj epjpak;

Mfpad njhlh;r;rpahf toq;fg;gLtjd;

%yk; gaq;futhjj;jpdhYk;

gaq;futhjk;> rptpy; nfhe;jspg;Gfs;

Nghd;wtw;wpdhYk; ghjpf;fg;gl;lth;fs;

njhlh;r;rpahf ed;ikailfpd;wdh;

vjph;fhy Kaw;rpfs;

kpd;dpay; ml;ilia mwpKfg;gLj;jy;

%yk; Njrpa fhg;GWjp ek;gpf;ifg;

nghWg;G epjpakhdJ jdJ r%fr;

Nritfis cf;jp rhh;e;j mbg;gilapy;

Nkk;gLj;Jtjw;F cj;Njrpj;Js;sJ.

NkYk; gaph;fs; ghJfhg;G fhg;GWjpj;

jpl;lk; kw;Wk; fhy;eilg; ghJfhg;G

fhg;GWjpj; jpl;lk; Nghd;wtw;iwAk; Njrpa


toq;Fk;. 2010 Mk; Mz;by;

,yq;ifapYs;s midtUk; Rfhjhu

hPjpahd fhg;GWjpg; ghJfhg;Gfisg;

ngw;Wf;nfhs;Sk; tpjj;jpy; jdJ

Nritfis tphpTgLj;Jtij

njhiyNehf;fhf ,J nfhz;Ls;sJ.


epjpaj;jpd; nrayhw;Wif

gaq;futhj fhg;GWjp njhlh;gpyhd

Nfs;tpfs; Fiwtile;jjd; fhuzkhf

fhg;GWjpf; fl;lz tUkhdj;jpy; ghhpa

tPo;r;rpfs; fz;lnghOjpYk; $l Njrpa

fhg;GWjp ek;gpf;ifg; nghWg;G epjpaj;jpd;

Njwpa <l;ba fhg;GWjpf; fl;lz

tUkhdk; 2010 Mk; Mz;by;

ngUk;ghYk; 3.9 gpy;ypadhff;

fhzg;gl;lJ. 2009 Mk; Mz;by; ,J 4

gpy;ypadhff; fhzg;gl;lJ. fle;jfhy 3.2

gpy;ypad; &ghTld; xg;gpLifapy; 2010

Mk; Mz;by; Njwpa ,yhgkhf &gh. 2.3

gpy;ypapd; gjpthfpaJ. Njrpa fhg;GWjp

ek;gpf;ifg; nghWg;G epjpaj;jpd; epjp

hPjpahd kw;Wk; nraw;ghl;L hPjpahd

nrayhw;Wiffs; njhlh;ghd tplaq;fs;

Kd;Ndw;wkhd kPsha;Tfs; gFjpapy;

fhl;lg;gl;Ls;sJ.


11

gq;;fPl;Lg;ghl;lhsh;fSf;fhd

ghuhl;Ljy;fs;

tplaj;jpw;Fg; nghWg;ghd mikr;rh; vd;w

tifapy; mjpNkjF rdhjpgjp mth;fs;>

epjp> jpl;lkply; gpujp mikr;rh;>

jpiwNrhpapd; nrayhsh;> epjp> jpl;lkply;

mikr;rpd; gzpahs;njhFjp cs;spl;l

vkJ fhg;GWjpg; gj;jpujhuh;fSf;F> Njrpa

fhg;GWjp ek;gpf;ifg;nghWg;G epjpaj;jpd;>

Ntiy epWj;jq;fs;> fyfq;fs;> rptpy;

nfhe;jspg;Gfs;> gaq;futhj epjpa

kw;Wk; kPs; fhg;GWjp eltbf;iffspy;

gu];guk; ,ize;J gzpahw;wpa

fhg;GWjpf; fk;gdpfspd; Vida

cj;jpNahfj;jh;fSf;F> ek; kPJ

ek;gpf;if itj;j> nghWg;Gfis

xg;gilj;j> ntw;wpfukhd nrayhw;Wif

Ald;$ba Xh; Mz;lhf;fpf; nfhs;s

gq;fspg;ghw;wpa Vida midj;Jj;

jug;gpdh;fSf;Fk; ehk; ,t;Ntisapy;

csq;fdpe;j ed;wpfisj; njhptpj;Jf;

nfhs;fpd;Nwd;.

V.Nf. nrdtpuj;d (jtprhsh;)

Njrpa fhg;GWjp ek;gpf;ifg;nghWg;G epjpak;


12

Njrpa fhg;GWjp

ek;gpf;ifg; nghWg;G

epjpak; Xh; ghh;it


epjpaj;jpd; fPo; nraw;gLk; nghUl;L

vjph;ghuhj Rfhjhu ,lh;fs;> jdpegh;

tpgj;Jfs;> nrhj;J ,og;Gfs; rhh;ghf

gq;fspg;Gf; fhg;GWjpj; jpl;lq;fspd; %yk;

ed;ikfisAk; ghJfhg;igAk;

Vw;gLj;Jk; nghUl;L 2006 Mk; Mz;bd;

28 Mk; ,yf;f Njrpa fhg;GWjp

ek;gpf;ifg;nghWg;G epjpar; rl;lj;jpd; fPo;

2006 Mk; Mz;by; Njrpa fhg;GWjp

ek;gpf;ifg;nghWg;G epjpak; jhgpf;fg;gl;lJ.

ed;ikfis toq;Fk;NghJ Njrpa

fhg;GWjp ek;gpf;ifg;nghWg;G epjpaj;jpdhy;

mf;u`hu fhg;GWjpj; jpl;lk;> ghuhSkd;w

cWg;gpdh;fSf;fhd fhg;GWjpj; jpl;lk;>

Nkhl;lhh; thfdf; fhg;GWjpj; jpl;lk;>

ntspehl;L Ntiytha;g;Gf; fhg;GWjpj;

jpl;lk;> 20% rjtPj kPs; fhg;GWjp

epfo;r;rpj; jpl;lk; vd;gd mKy;gLj;jg;gl;ld.

mj;Jld;> Ntiy epWj;jq;fs;>

fyfq;fs;> rptpy; nfhe;jspg;Gfs;>

gaq;futhj epjpak; cs;thq;fg;gl;lJ.

mjd; gpd;dh; Njrpa fhg;GWjp ek;gpf;ifg;

nghWg;G epjpakhdJ 2009,y;

nghJf;fhg;GWjpj; jpl;lj;jpy; <Lgl;lJ.

Nguhrphpah; [fj; tpf;fpukrpq;f (2007 –

2008)> Nguhrphpah; yf;\;kd; Mh; tl;lty

(2008 – 2009)> jpU. V.V. tp[aghy (2009

– 2010)> Nrdf B mNgFzNrfu (2010 –

2011) MfpNahh; Njrpa fhg;GWjp

ek;gpf;ifg; nghWg;G epjpaj;jpw;F

jiyik tfpj;jdh;. Nj.fh.e.epjpaj;jpd;

jw;Nghija gjpy; jtprhsuhf murhq;f

njhopy; Kaw;rpfs; jpizf;fsj;jpd;

Nkyjpfg; gzpg;ghsh; ehak; jpU. V.Nf.

nrdtpuj;d mth;fs; gzpahw;Wfpwhh;.

Nguhrphpah; [fj; tpf;fpukrpq;f

Nguhrphpah; yf;\;kd; Mh; tl;lty

jpU. V. V. tp[aghy

jpU. Nrdf B mNgFz Nrfu


13

2. #oy; kPsha;T


14

,yq;ifg;

nghUshjhu kPsha;T

NkjF [dhjpgjp k`pe;j uh[gf;\ mth;fSila J}u rpe;jid kpf;f Gj;jp

rhJh;akhd njhiyNehf;fpd; mbg;gilapy; Aj;jk; ntw;wp ngw;wjd; fhuzkhfTk;

Aj;jj;jpd; ntw;wpiag; nghUshjhu RgPl;rj;jpw;fhfg; gad;gLj;jpajd; fhuzkhfTk;>

Aj;jj;jpdhy; Vw;gl;l mjpfhpj;j nrytpdq;fspypUe;J Jhpjkhf 2009 Mk; Mz;Lf;

fhyg;gFjpapy; kPz;nlOe;jjd; fhuzkhfTk;> ,yq;ifg; nghUshjhuk; cah;thd>

];jpuj; jd;ik kpf;f Nguz;lg; nghUshjhu tsh;r;rpg; Nghf;if Nehf;fpg; gazpj;jjd;

fhuzkhf 2010 Mk; Mz;by; ,yq;ifg; nghUshjhuk; fhj;jpukhf 8 rjtPj

tsh;r;rpiaf; fz;lJ. ,jd; fhuzkhf Aj;jj;jpd; mNfhug; gpbapypUe;Jk; Aj;jf;

fhyg;gFjpapy; Vw;gl;l caph; ,og;Gf;fs; Fiwe;jJld; ,yq;if kf;fSila

tho;f;if Nkk;gl;lJ. ,yq;ifg; nghUshjhuj;jpd; rfy gphpTfSk; Fwpg;gplf;$basT

Kd;Ndw;wfukhd nrayhw;Wiffis 2010 Mk; mz;by; Gyg;gLj;jpd. cs;ehl;by;

epytpa rkhjhdr; #oy; kw;Wk; KjyPl;lhsh;fsJ ek;gpf;if mjpfhpj;jik> rhjfkhd

Nguz;lg; nghUshjhu epiyikfs; kw;Wk; cyfg; nghUshjhu epiyikfspypUe;J

gbg;gbahf kPz;L te;jik Mfpad ,yq;if tuyhw;wpy; Kf;fpa mk;rq;fshFk;.

kpjkhd rhjfkhd gztPf;f tpfpj epiyikfs; ,yq;if murhq;fj;jpw;F jdJ

midtiuAk; cs;slf;fpa epjpf; nfhs;if epiyg;ghl;il njhlh;tjw;F

tha;g;gspj;jJ. ,J ,yq;ifapYs;s rfy tpjkhd re;ijj; JiwfspYk; Jhpj

nghUshjhu tsh;r;rp epiyikfis Vw;gLj;Jtjw;F cjtpaJ. NkYk; epjp

epiyikfs; Fwpg;gplf; $basT Nkk;ghl;il ntspg;gLj;jpd. gpujhdkhf tUkhd

nrayhw;Wiffs; kw;Wk; kPz;LtUk; nrytpdq;fs; Mfpad njhlh;gpy; Nkk;ghLfisg;

Gyg;gLj;jpaJ. 2009 Mk; Mz;bd; miuahz;Lf; fhyg;gFjpapy; Fwpg;gplf; $ba

Kd;Ndw;wq;fis ntspg;gLj;jpa ntspepiyf; fhuzpfs; 2010 Mk; Mz;bYk;

njhlh;r;rpahf Kd;Ndw;wq;fis ntspg;gLj;jpd. Vw;Wkjp kw;Wk; ,wf;Fkjp Mfpa

Jiwfspy; fhj;jpukhd Kd;Ndw;wk; Vw;gl;lJ. mNjNtis cy;yhrg; gazj;Jiw

kw;Wk; ntspehLfspypUe;J gz mDg;gPLfs; MfpadTk; mjpfhpj;jd. ,jd;

fhuzkhf tpahghu gw;whf;Fiwfs; Fwpg;gplf; $bastpw;F Fiwe;jd. NkYk;

ntspepiy jw;Nghija fzf;Fg; gw;whf;FiwfSk; Fwpg;gplf;$basTf;F Fiwe;jJ.

%yjdk; kw;Wk; epjpg;gha;r;ry;fs; mjpfhpj;jd. rkhjhdk; kyh;e;jjd; fhuzkhf 2010

Mk; Mz;L nrd;kjp epYit Fwpg;gplf; $basT mjpfsthd njhifiag;

gjpTnra;jJ. NkYk; ehl;bd; ntspepiy xJf;fPLfis NkYk; tYtilar; nra;jJ.

Nghpdg; nghUspay; Rw;whlypy; Nkw;nfhs;sg;gl;l cjtpfukhd mwpthh;e;j

Kfhikj;Jtk; kw;Wk; cjtpfukhd xOq;FgLj;jy;fs; kw;Wk; Nkw;ghh;it tiuTr;

rl;lfk; Mfpatw;wpd; fhuzkhf epjpj;Jiw Nkk;gl;l nrayhw;Wiffis

ntspg;gLj;jpaJld; epjp KiwikAk; ];jpuj;jd;ikaile;jJ. Nfs;tp njhlh;ghd

mOj;jq;fs; Fwpg;gplf;$bastpw;F Fiwe;jJld; 2010 Mk; Mz;bd; cs;ehl;L

tpepNahf epiyikfs; Nkk;gl;lJld; rpy eph;tfpf;fg;gl;l tpiyfspy; rPuhf;fy;fs;

eilngw;wJld; ,wf;Fkjpj; jPh;itf; Fiwg;Gfs; Mfpad ntspg;gilahfg; Gyg;gl;ld


15

fhg;GWjpj; Jiw kPsha;T

2010 Mk; mz;bd; ,Wjpf; fhyg;gFjptiu ,yq;iff; fhg;GWjpr; rigaplk; (IBSL) 19

fhg;GWjpf; fk;gdpfs; jk;ikg; gjpTnra;Jnfhs;Ls;sd. ,tw;Ws; 12 fk;gdpfs;

$l;likT fk;gdpfshFk; (,it nghJf; fhg;GWjp kw;Wk; ePz;lfhyf; fhg;GWjp

tpahghuk; Mfpatw;wpy; <LgLfpd;wd). ,tw;Ws; 5 fk;gdpfs; nghJf;fhg;GWjp

tpahghuj;jpYk; 2 fk;gdpfs; ePz;lfhy MAl;fhy fhg;GWjp tpahghuj;jpYk;

<Lgl;Ls;sd.

fle;j Mz;bd; njhifahd &gh.57>252 kpy;ypaDld; xg;gpLifapy; ePz;lfhy

fhg;GWjp kw;Wk; nghJf; fhg;GWjp tpahghuk; Mfpad njhlh;gpdhy nkhj;j

vOj;jpyhd fl;Lg;gzk; (GWP) tUkhdk; 2010,y; &gh. 68>493 kpy;ypad; MFk;. ,J

19.63 tPj tsh;r;rpiaf; fhl;LfpwJ. 2009 Mk; Mz;Lld; xg;gpLifapy; 2010 Mk;

Mz;by; nghJf; fhg;GWjp tpahghukhdJ jdJ nkhj;j vOj;jpyhd fl;Lg;gz

tUkhdk; njhlh;gpy; Kd;Ndw;wq;fis mile;Js;sJ. NkYk; 2009 Mz;Lld;

xg;gpLifapy; 2010 Mk; Mz;by; ePz;lfhy fhg;GWjp tpahghuKk; jdJ nkhj;j

vOj;jpyhd fl;Lg;gz tUkhdk; njhlh;gpy; Kd;Ndw;wq;fisg; gjpTnra;Js;sJ.

nghJ fhg;GWjp tpahghuk; njhlh;gpyhd nkhj;j vOj;jpyhd fl;Lg;gz tUkhdk;

&gh. 37>342 kpy;ypad; MFk; (2009 ,y; &gh. 33>485 kpy;ypad;). NkYk; 2010Mk;

Mz;Lf; fhyg;gFjpapy; ePz;lfhy fhg;GWjp tpahghuk; njhlh;gpyhd nkhj;j

vOj;jpyhd fl;Lg;gz tUkhdk; &gh. 31>151 kpy;ypad; MFk; (2009,y; &gh. 23>767

kpy;ypad;). (%yk; - ,yq;iff; fhg;GWjpr; rig)

fhg;GWjpj; Jiwapd; re;ijg;gLj;jy; Gs;sptpguq;fs; nrwptlf;fkhf gpd;tUkhW

jug;gl;Ls;sJ.

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ePz;lfhyf; fhg;GWjp (&.kpy;ypad;)

nghJf; fhg;GWjp (&.kpy;ypad;)

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&gh. gpy;ypad;

fl;Lg;gz tUkhd gFg;gha;T ePz;lfhyf; fhg;GWjp (&.kp.)

nghJf; fhg;GWjp (kpy;.)


16

fhg;GWjpj; Jiw kPsha;T (njhlh;r;rp)

General Insurance Gross Written Premium Trend :

General Insurance Claims trend:

nkhj;j vOj;jpyhd fl;Lg;gzk; njhlh;ghd tFg;G hPjpahd

gFg;gha;Tfs; nghJf; fhg;GWjp

kpy;ypad;

jP

fly;

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ehdhtpjk;

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gFg;gha;Tfs; - nghJf; fhg;GWjp

jP

fly;

Nkhl;lhh; thfdk;

ehdhtpjk;

kpy;ypad;

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jP fly; Nkhl;lhh; thfdk; ehdhtpjk;

nkhj;j vOj;jpyhd fl;Lg;gzk; cg-tFg;G

nkhj;jk;

nghJf; fhg;GWjp chpikf; Nfhhpf;if Nghf;F:

jUtpj;j chpikf; Nfhhpf;iffs;

jP

fly;

Nkhl;lhh; thfdk;

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nkhj;jk;


17

3. nghWg;Gkpf;f

$l;Lhpikg; gpui[


18

$l;Lhpik

];jpuj;jd;ik

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gpuNtrpf;fpd;w ,j;jUzj;jpy; $l;Lhpik

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gpujhd mf;fiwAilaitahf

tUfpd;wd. ,jd; gpufhuk; Njrpa

fhg;GWjp ek;gpf;ifg; nghWg;G

epjpakhdJ nghUshjhu RgPl;rk;>

Rw;whly; jd;ik> r%fj; jd;ik Mfpa

%d;W mbg;gil epiyikfspd; fPo;

Gjpa nrayhw;Wif ghpkhzq;fspd;

Clhf jdJ tpahghu

nrayhw;Wiffis Nkk;ghlilar;

nra;fpwJ. kw;Wk; tha;g;Gs;s vy;yhr;

re;jhg;gq;fspYk; mikg;G hPjpahd>

nghUshjhu> Rw;whly; kw;Wk; r%f

nrayhw;Wiffs; %ykhf “rpwe;j

nghWg;Gs;s $l;Lhpikg; gpu[ahf”

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Fiwj;jy;> fopTfisf; Fiwj;jy;>

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Fiwj;jy;> xU nghWg;G tha;e;j

njhopy; toq;Fdh; vd;w Kiwapy;

Copah;fspd; eyd;fis Nkk;ghlilar;

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nfhs;fpd;w vOJ fUtpfs; kw;Wk;

cgfuzq;fs; Nghd;wtw;iwAk; nghWg;G

tha;e;j tifapy; jpfof;$bajhf

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cgfuzq;fspd; gad;ghl;il

fl;Lg;gLj;Jtjd; %yk; mtw;wpypUe;J

ntspNaWk; fhgdpd; msitf;

Fiwj;jy; Nghd;w gy;NtW topKiwfs;

%ykhfTk; Rw;whlYf;F ghjfj;ij

Vw;gLj;jhj> r%f epiyikfisg;

ghjpg;gilar; nra;ahj mNjNtis

Nkw;Fwpg;gpl;l Kiwfs; %ykhf

nghUshjhu tsh;r;rpia Nkk;gLj;Jtjd;

%ykhf xU ];jpuj;jd;ikkpf;f tpahghu

Kiwia Njrpa fhg;GWjp ek;gpf;ifg;

nghWg;G epjpak; Vw;gLj;JfpwJ.

gq;fPl;Lg;ghl;lhsh;fs; FO 1 – murhq;fk;

2010 Mk; Mz;by; xd;W jpul;ba

epjpaj;jpw;F &gh. 2000 kpy;ypaid


epjpak; gq;fspg;Gr; nra;jJ. ,jd; %yk;

2008 Mk; Mz;by; toq;fpa &gh. 1000

kpy;ypad; kw;Wk; 2009 Mk; Mz;by;

toq;fpa &gh. 2250 kpy;ypad; Mfpa

kuig njhlh;e;Jk; Kd;ndLj;jJ.

-

1

1

2

2

3

2008 2009 2010

Rs. B

illi

on

s

NITF'S CONTRIBUTION TO CONSOLIDATED FUND

jpulba epjpaj;jpw;fhd

Nj.fh.e.ngh.epjpaj;jpd; gq;fspg;G

&gh. gpy;ypad;

jpulba epjpaj;jpw;fhd

gq;fspg;G

&gh. kpy;


19

toq;Fdh; vy;.hP.hP.<. cldhd Aj;jj;jpy;

ghjpg;gile;j MAjg; gilapdUf;F

cjTKfkhf Njrpa fhg;GWjp ek;gpf;ifg;

nghWg;G epjpak; xU ehs; rk;gsj;ij

mth;fSf;F ed;nfhilahf toq;fpaJ.

gq;fPl;Lg;ghl;lhsh; FO 2 –

tbf;ifahsh;fs;

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fhg;GWjp ek;gpf;ifg; nghWg;G epjpakhdJ

mf;w`hu fhg;GWjpj; jpl;lk;> “tpNjr

n`f;fpah” Nghd;w ntspehl;L Ntiy

tha;g;G fhg;GWjpj; jpl;lk; Mfpatw;iw

kpFe;j rYif mbg;gilapyhd fhg;GWjpf;

fl;lz tpfpjj;jpy; eilKiwg;gLj;jp

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nghWg;G epjpakhdJ ghjpf;fg;gl;l

nghJkf;fsJ Jd;gq;fisAk; mNjNghy;

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fis toq;fpajd; %yk; njhlh;r;rpahf

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,J Fiwj;Js;sJ>

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ngw;Wf; nfhs;sf; $ba kpf cah;e;j

jug;gLj;jyhd AAA vd;w uhk; (RAM)

cahpa tpUij Njrpa fhg;GWjp

ek;gpf;ifg; nghWg;G epjpak; ngw;Wf;

nfhz;lJ. ,jd; fhuzkhf fhg;GWjpg;

gj;jpuj;ijg; ngw;Wf; nfhz;lth;fsJ ,lh;

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ek;gpf;ifg; nghWg;G epjpak; njhlh;ghd

ed;kjpg;Gk; cah;tile;jJ.


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toq;fpaJ.


20

mf;w`hu fhg;GWjpj; jpl;lj;ij

tphpTgLj;jp Nkk;gLj;Jk; Nehf;Fld; Njrpa

fhg;GWjp ek;gpf;ifg; nghWg;G epjpakhdJ

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jtprhsUf;Fk; yq;fh n`h];gpuy; ypkpll;

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chpikf; Nfhhpf;ifr; nraw;ghLfisj;

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toq;fpa khngUk; Nritf;fhf mtUf;F

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mYtyfj;jpy; eilngw;wJ.

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mth;fSf;Fk; ehl;bw;Fk; ,iw Mrpiag;

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gq;fPl;Lg;ghl;lhsh; FO 3 – Copah;fs;

Nghl;bj; jd;ik kpFe;j fhg;GWjpj;

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nghWg;G epjpakhdJ ntw;wpfukhf

jpfo;tjw;F mjd; Gyik rhh;

KjyPLfNs fhuzk; vd Njrpa


fUJfpwJ. mjd; fhuzkhf

gzpahl;njhFjpapdUf;fhd gapw;rpfs;>

mgptpUj;jp epfo;r;rpj; jpl;lq;fs;>

eyNdhk;Gif epfo;r;rpj; jpl;lq;fs;

Mfpatw;Wld; Copah;fSf;fhd njhopy;

hPjpahd Nkk;ghLfisAk; ,J

toq;Ffpd;wJ.


21

gzpahl;njhFjp eyNdhk;Gif KjyPLfs; (&gh) 2007 2008 2009 2010

1. gzpahl;njhFjp eyNdhk;Gifr;

nrytpdq;fs;

2. gzpahl;njhFjp

gapw;rpfs;

3. kUj;Jtf; fhg;GWjp

195>420

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716>648

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epjpa njhopw;gilapdUf;F kj;jpapy;

xw;Wik rkhjhdk; Nghd;w

fyhrhuq;fis Nkk;gLj;Jk; Nehf;Fld;

2010 Vg;gpuypy; Nu];Nfh]; ikjhdj;jpy;

“tUlhe;j gj;kfh coy” (tUlhe;j

jkpo; rpq;fs Gj;jhz;L tpoh)

elj;jg;gl;lJ.


22

Njrpa fhg;GWjp ek;gpf;ifg; nghWg;G epjpaj;jpd;

kdpj tsq;fs;


23

njhopy; Kaw;rp

MSif

mwpKfk;

Xh; mikg;gpd; $l;Lhpik MSif kw;Wk; tzpf MSif Mfpatw;iw cs;slf;fpanjhU tiuTr; rl;lkhf njhopy; Kaw;rp MSik jpfo;fpwJ. nrayhw;Wif Kfhikj;Jtj;Jld; cf;jp hPjpahd njhlh;GfisAila mjprpwe;j $l;Lhpik MSiffis miltjd; Clhf jkJ tzpfr; nraw;ghLfis Kd;ndLj;Jr; nry;yf;$ba gpujhd mk;rq;fs; njhlh;gpy; fk;gdpfs; mtjhdj;ijr; nrYj;Jtjw;F tha;g;gspf;fpwJ. ,J xU rthyhfTk; mNjNtisapy; xU tha;g;ghfTk; fhzg;gLfpwJ.

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toq;FfpwJ.

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nraw;gLk; Mw;wy;.

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$l;Lhpik MSifahdJ tpjpfs;>

nray;Kiwfs; my;yJ tpahghuk;

,aq;Ffpd;w xOq;FgLj;jg;gLfpd;w

my;yJ fl;Lg;gLj;jg;gLfpd;w rl;lq;fs;

njhlh;gpy; gue;j tpsf;fj;ij mspf;fpwJ.

NkYk; mjpfhhpfs; gq;fPl;Lg;ghl;lhsh;fs;

my;yJ $l;Lj;jhgdj;jpd; ahg;G kw;Wk;

Efh;Nthh; FOf;fs;> thbf;ifahsh;fs;>

njhopy; Kaw;rp MSif

tzpf MSif (nrayhw;Wif)

$l;Lhpik MSif (,zf;fg;ghL)

nghWg;Gf; $wy; fhg;GWjp

ngWkjp cUthf;fy; tsg;

gad;ghL


24

murhq;f xOq;F tpjpfs; Nghd;w

ntspepiyf; fhuzpfs; njhlh;ghd

tpsf;fq;fis cs;slf;fpajhfTk;

$l;Lhpik MSif fhzg;gLfpwJ.

xU fhj;jpukhd fl;Lg;ghl;Lld; $ba

Rw;whlYf;F mjd; ntw;wpf;F cWjpahd

$l;Lhpik MSifapd; mtrpaj;jpd;

Kf;fpaj;Jtj;ij Njrpa fhg;GWjp

ek;gpf;ifg; nghWg;G epjpak;

czh;e;Js;sJ. ,J ,Wjpahf

nraw;gLj;jiy tpidj;jpwd; kpf;f

KiwapYk; fhj;jpukhfTk; rpf;fdkhfTk;

Nkk;gLj;JtJld; tpsk;gur; rpd;dj;jpd;

ew;ngaiuAk; NkNyhq;fr; nra;fpwJ.

NkYk; nghJkf;fs; kj;jpapy;

ek;gpf;ifia Vw;gLj;JtJld;> xOf;fk;>

ntspg;gilj;jd;ik> Rje;jpuk;>

tifg;nghWg;Gf; $wy;> nghWg;Gf; $wy;>

Neh;ik> r%fg; nghWg;G Nghd;w Kf;fpa

$l;Lhpik MSif mk;rq;fis

cUthf;Ftjw;Fk; toptFf;fpwJ.

2006 Mk; Mz;bd; 28 Mk; ,yf;f

Njrpa fhg;GWjp ek;gpf;if epjpa

rl;lj;jpd; fPo; 2006 Mk; Mz;L Njrpa

fhg;GWjp ek;gpf;if epjpak;

];jhgpf;fg;gl;lJ Kjy; ,yq;if gl;laf;

fzf;fhsh; epWtdj;jpdhYk; nghJ

njhopy; Kaw;rp topfhl;bfs; ClhfTk;

$wg;gl;l rpwe;j MSif kw;Wk;

$l;Lhpik MSif eilKiwfs;

Mfpatw;Wf;Nfw;g mjd; $l;Lhpik

MSif eilKiwfs; chpa ghprPyid

fSld; Nkw;nfhs;sg;gl;L tUfpd;wd.

epjp kjpf;$h;ik

2010 Mk; Mz;by; Kfhikj;Jtr; rigapd; epjp kjpf;$h;ik epjp> jpl;lkply; mikr;rpd; gpujk fzf;fhsuhYk; epjp> jpl;lkply; mikr;rpd; Nkyjpfr; nrayhshpdhYk; rpwg;ghd Kiwapy; gyg;gLj;jg;gl;lJ.

fhg;GWjp kjpf;$h;ik

2010 Mk; Mz;by; Kfhikj;Jtr;

rigapd; fhg;GWjp kjpf;$h;ik> Gjpjhf

epakpf;fg;gl;l jtprhshpdhYk;

gzpg;ghsh; rigapdhYk; rpwg;ghd

Kiwapy; gyg;gLj;jg;gl;lJ.

Kfhikj;Jtr; rig

epjp tplaj;jpw;Fg; nghWg;ghd

mikr;rhpdhy; epakpf;fg;gLk; vl;L

cWg;gpdh;fs; mlq;fpa rig xd;wpdhy;


epjpak; Kfhik nra;ag;gLfpwJ. epjp

mikr;rpd; xU gpujpepjpAk;> Rfhjhu

mikr;rpd; xU gpujp epjpAk;> nghJ

epUthf mikr;rpd; xU gpujpepjp Ak;

,yq;if fhg;GWjp ek;gpf;ifg;nghWg;Gr;

rig apd; gzpg;ghsh; mjpgjpAk; epjp>

tq;fp> fhg;GWjp> Kfhikj;Jtk;> rl;lk;

Mfpa Jiwfisr; rhh;e;j epGzh;fisg;

gpujpepjpj;Jtg;gLj;jp mikr;rhpdhy;

ngah; Fwpf;fg;gLk; NtW Ml;fs;

%tUk; Fwpj;j Kfhikj;Jtr; rigapy;

mq;fk; tfpg;gh;. xU gpujpepjpia mjd;

jtprhsuhf epakpf;Fk; jj;Jtk;

mikr;rUf;F cz;L. ,t;thW

epakpf;fg;gl;l jpfjpapypUe;J rigapd;

rfy cWg;gpdh;fSk; 05 Mz;L

fhyj;jpw;Fg; gjtp tfpf;f Ntz;Lk;.


epjpaj;jpd; gzpg;ghsh; rig vd;w

jiyg;gpd; fPo; gzpg;ghsh; rig

cWg;gpdh;fspd; ngah;fs; jug;gl;Ls;sd.


25

cs;sff; fl;Lg;ghL

2010 Mk; Mz;by; gphpTfspd; cs;sff;

fzf;fha;T> NtiyepWj;jq;fs;>


gaq;futhj epjpak; cs;spl;l cs;sff;

fzf;fha;T mYty;fs; cs;sff;

fzf;fha;Tg; gphptpdhy;

epiwNtw;wg;gl;ld.

fzf;fha;Tf; FO

2010 Mk; Mz;by; fzf;fha;Tf; FO

mikf;fg;gl;lJld;> mjd; Nehf;nfy;iy

tUkhW:-

1. cs;sff; fzf;fha;Tg;

nghWg;Gfis eph;zapj;jYk;

tUlhe;jf; fzf;fha;Tj;

jpl;lq;fspd; kPsha;Tk;.

2. epWtdj;jpd; rfy

nraw;ghLfSk;> cs;sf MSif

Kiwikapd; kPsha;Tk; kjpg;gPLk;

3. fpua tpisTg; ngUf;f

nrayhw;Wifia mbf;fb

kPsha;T nra;jYk;> tpuakhFk;

nrytpdq;fs; Kjypatw;iw

,y;yhky; nra;jYk;.

4. ntspepiy fzpdpfSld;

$l;bizTk; fzf;fha;thsh;

jiyik mjpgjpapd; ntspepiy

Kfhikj;Jtf; fbjq;fspy;

mlq;fpAs;s mwpTWj;jy;fisg;

gpd;gw;WjYk;.

5. rl;ljpl;lq;fs;> tpjpfs;> epajpfs;> Rw;WepUgq;fSf;F ,zq;f

nrayhw;wg;gLtij cWjpahf

Njb mwpe;Jnfhs;s;y.

6. fzf;fPl;L epakq;fSf;F ,zq;f nrayhw;Wtij cWjpg;gLj;Jk;

nghUl;L epjpf; $w;Wfis

kPsha;T nra;jy;

7. khw;Wj; jPh;Tfshf eltbf;if vLg;gij cWjpnra;Ak; nghUl;L

cs;sff;

fzf;fha;T/ntspepiyf;

fzf;fha;T mwpf;iffs;>

Kfhikj;Jtf; fbjq;fis

kPsha;T nra;jy.

8. nghJ njhopy;Kaw;rpfs; gw;wpa FOtpd; tpjg;GiufSk;

fl;lisfSk;

nraw;gLj;jg;gLtij kPsha;T

nra;jy;.

9. Mz;L mwpf;ifapy; cs;slf;Fk; nghUl;L nraw;FOtpd; KbTfs;

gw;wpa mwpf;iffisj;

jahhpj;jy;.

jfty;fis toq;Fjy;

nrayhw;Wif Fwpj;j khjhe;j

mwpf;iffSk; fle;j rigf; $l;l

mwpf;iffSk; Vida Mtzq;fSk;

rigf; $l;lq;fs; ,lk;ngWtjw;F xU

thu fhyj;jpw;F Kd;dNu

mwpe;Jnfhs;tjw;fhf gzpg;ghsh;

rigf;F tpepNahfpf;fg;gLk;.

cghaKiwj; jPh;khdq;fSf;F

tUk;nghUl;L jtprhsh; cs;spl;l rig

khjhe;jk; $LfpwJ. 2010 Mk; Mz;by;

9 Kiwfs; rig $bAs;sJ. NkYk;

2010Mk; Mz;Lf; fhyg;gFjpapDs; 4

fzf;fha;Tf;FOf; $l;lq;fs;

eilngw;wd.


26

njhopy; Kaw;rp ,lh; Kfhikj;Jk;

mwpKfk;

njhopy; Kaw;rp ,lh; Kfhikj;Jtk; vd;gJ Xh; xUq;fpize;j ,lh; Kfhikj;Jt njhlh;

nraw;ghlhFk;. ,J Xh; mikg;G vjph;nfhs;fpd;w rfytpjkhd ,lh;fisAk; mt;

mikg;gpYs;s rfy jpizf;fsq;fSk; $l;lhf xw;WikAld; ,ize;J Nkw;nfhs;s Ntz;ba

eltbf;iffs; njhlh;gpy; ftdk; nrYj;JfpwJ. cWjpaw;w jd;ikfis tpidj;jpwDld;

Kfhikj;Jtk; nra;jy;> ,lh;fSf;F gjpyspj;jy;> mt;tpjkhd epiyikfs; Vw;gLfpd;w NghJ

mtw;iwj; jzpj;jy; Nghd;wd njhlh;gpy; njhopy; Kaw;rp ,lh; Kfhikj;Jtk; xU tiuTr;

rl;lj;jpid toq;FfpwJ. Vw;fdNt eilKiwapypUe;j ,lh; Kfhikj;Jtr; nraw;ghLfisg;

Nghyy;yhJ njhopy;Kaw;rp ,lh; Kfhikj;Jt vz;zf;fUthdJ ,lh;fs; njhlh;ghd

gFg;gha;TfshdJ xU mikg;gpd; rfy gFjpfspYk; Nkw;nfhs;sg;gly; Ntz;Lk; vd;w

tplaj;ij Gyg;gLj;JfpwJ. Nj.fh.e.ngh. epjpaj;jpd; njhopy; Kaw;rp ,lh; Kfhikj;Jtj;jpd;

,yf;fhdJ> njhopy;; Kaw;rp ,lhpd; gpujhd mk;rq;fis ed;F Ghpe;J nfhs;tJld; rpNu\;l

Kfhikj;Jtk; tpUk;Gfpd;w msTf;F kpfr; rpwg;ghf tpidj;jpwDld; njhopy; Kaw;rp ,lh;

njhlh;ghd tplaq;fis Kfhikj;Jtk; nra;tjhFk;.

fhg;GWjpj; Jiwapy; mjfhpj;J tUfpd;w Nghl;bfis kpf ntw;wpfukhf vjph;nfhs;tjw;F

njhopy; Kaw;rp ,lh; Kfhikj;Jtk; xU Kf;fpakhd mk;rk; vd Njrpa fhg;GWjp ek;gpf;ifg;

nghWg;G epjpak; fUfpwJ. Njrpa fhg;GWjp ek;gpf;ifg; nghWg;G epjpaj;jpd; njhopy; Kaw;rp

,lh; Kfhikj;Jt cghaq;fshdJ> gpujhdkhf ,lh; el;lk; kw;Wk; $l;Lhpik cghaq;fs;

Mfpatw;Wf;fpilapyhd xUikg;ghL> njhlh;G tsh;r;rp> ,lhpd; ngWNgWfs;> ,lh; njhlh;ghd

gjpyspg;Gfis Nkk;gLj;Jjy;> nraw;ghl;L el;lq;fisAk; ,og;Gf;fisAk; Fiwj;jy;> njhopy;

Kaw;rp glh;e;j ,lh;fis Kfhikj;Jtk; nra;jy;> tha;g;Gfis ,dq;fz;L mjd;

mbg;gilapy; nraw;gly; toq;fis tpidj;jpwd; kpf;f Kiwapy; Kfhikj;Jtk; nra;jy;

Mfpatw;iw gpujhdkhf ,J cs;slf;fpAs;sJ.

Njrpa fhg;GWjp ek;gpf;ifg; nghWg;G epjpak; cs;shh;e;j> ntspepiy kw;Wk; ,lh;

Kfhikj;Jt #oiktpy; nraw;gl;L mjd; %yk; mikg;gpd; Nehf;fq;fis miltjw;F

jilahf ,Uf;fpd;w nghUs; hPjpahd mr;RWj;jy;fis ,dq;fz;L> mt;tpj xt;nthU nghUs;

hPjpahd ,lhpd; tpisTfs; vt;thW gue;Js;sd> mtw;wpd; msit Jy;ypakhf fzpg;gpLtJ

cs;slq;fyhf ,lhpd; jd;ikia gFg;gha;T nra;J> ,lh;fis xUq;fpizj;J> ,lh;fis

kjpg;gpl;L> Kd;Dhpikg;gLj;jp> ,lh; njhlh;gpy; ftdkhf nraw;gl;L tha;g;Gfis gad;gLj;jp>

,lh; #oiy fzfhzpj;J kPsha;T nra;J nra;wglf;$ba tpj;jpy; xU fhj;jpukhd njhopy;

Kaw;rp ,lh; Kfhikj;Jt cghaj;ij xUq;fpizj;Js;sJ.

Nghl;bj;jd;ik kpFe;j fhg;GWjpj; JiwapNy epfof; $ba nefpo;r;rpg; Nghf;Ffs;>

neUf;fbapypUe;J Jhpjkhf kPSk; Mw;wy; Mfpatw;iw Nkk;gLj;Jk; Nehf;Fld; ed;F

nraw;gly;> KbTWj;jy; khw;wq;fs;> nghWikAld; nraw;gly; Nghd;w gpujhd njhopy; Kaw;rp

,lh; Kfhikj;Jt cghaq;fis Njrpa fhg;GWjp ek;gpf;ifg; nghWg;G epjpak;

Njhw;Wtpj;Js;sJ.


27

,lh; (el;l Mgj;J) Kfhikj;Jtj;jpd; nghWg;G

jkJ nghWg;Gfspd; Xh; mq;fkhf (el;l Mgj;J) Kfhikj;Jtk; cghaKiwfis

epr;rapf;Fk; nghWg;ig gzpg;ghsh;fs; rigaplKk; fzf;fha;Tf; FOtplKk;

xg;gilj;Js;sJ. el;l Mgj;J kw;Wk; cs;thhpahd fl;Lg;ghl;il fz;fhzpj;jYk;

epWtdj;jpd; cghaKiw Fwpj;J Copah;fis mwpTWj;JtJ njhlh;ghd nghWg;Gk;

epr;rapf;Fk; nghWg;Gk; fzf;fha;Tf; FOtplk; fhzg;gLfpd;wd.

jhf;Fjypd; msT (gpd;tpisTfs;) epfof;$bad njhlh;ghd fzpg;gPLfs;

Mfpatw;wpd; mbg;gilapy; ,dk; fhzg;gl;l ,lh;fs; Kd;Dhpikg;gLj;jg;gLk;

ed;F nraw;gly;

Kd;$l;bNa eltbf;if vLg;gjd; %yk; Vw;Wf; nfhs;sf;$bastpw;F ,lh; Vw;gLtijf; Fiwg;gjw;Fk;> epfof; $ba ,lh; my;yJ mjd; jhf;fk; Mfpatw;iwf; Fiwg;gjw;Fk; ,t; cgha Kiw %yk; vjph;ghh;f;fg;gLfpd;wJ. Gjpa

eilKiwfisr; nraw;gLj;jy;> mjpfsT Muk;gfl;l Ntiyfis Nkw;nfhs;sy; my;yJ mjpfstpy; ];jpuj;jd;ik kpf;f tpepNahfj;jh;fisj; njhpTnra;jy; Nghd;wtw;wpd; %yk; ,lh; jzpg;G eilngwyhk;. khWfpd;w epiyikfisf;

fUj;jpw;nfhz;Lk; ,lh; jzpg;G ,lk;ngwyhk;. ,q;F epfo;r;rpj; jpl;lj;jpw;F mjpfsT tsq;fs; my;yJ Neuj;ij toq;Ftjd; %yk; ,lh; epfof; $ba tha;g;Gfis Fiwf;fyhk;.

KbTWj;jy;

,lh; KbTWj;jy; my;yJ mjidj; jtph;j;jy; vdg;gLtJ ,liu ,y;yh njhopg;gjw;fhf my;yJ mjdhy; Vw;gLk; jhf;fj;jpypUe;J fUj;jpl;l Nehf;fq;fis ghJfhg;gjw; fhf fUj;jpl;l jpl;lq;fis khw;wpaikg;gjhFk;. vy;yh tpjkhd ,lh;fis ,y;yh njhopf;f Kbahj nghOjpYk; ,t;tifahd Kw;ghJfhg;G eltbf;if fis Nkw;nfhs;tjd; %yk; rpytw;iw ,y;yhnjhopf;f KbAk;

khw;wk;

,lh; khw;wj;jpd; %yk; Xh; ,lhpd; gpd;tpisTfis %d;whk;

jug;nghd;Wf;F gjpyspf;Fk; nghWg;Gld; khw;Wtjw;F

vjph;ghh;f;fg;gLfpd;wJ. ,liu khw;Wtjd; %yk; mjid

,y;yhnjhopf;f KbahJ@ mjid Kfhikj;Jtk;

nra;tjw;fhd nghWg;ig kw;nwhU jug;gpw;F toq;FfpwJ.

epjp hPjpahd ,lh;fis ifahs;tjw;F ,JNthh; kpfr;

rpwg;ghd KiwahFk;. ,J kw;wj; jug;gpw;F toq;Ffpd;w Xh;

xg;ge;jkhftpUf;fyhk; my;yJ fhg;GWjpiag; nghWj;jtiuapy;

fhg;GWjpf; fl;Lg;gzj;ij nrYj;Jtjhf ,Uf;fyhk;.

nghWik fhj;jy;

fUj;jpl;lkhdJ ,lh; njhlh;gpy; nraw;gLtjw;fhf fUj;jpl;lj; jpl;lq;fspy; vt;tpj khw;wq;fisAk; Nkw;nfhs;tjpy;iy my;yJ NtW VjhtJ nghUj;jkhd cghaq;fis ,dq;fhz KbahJ vd jPh;khdpf;fpd; tplaq;fis ,t; cghak;

vLj;Jiuf;fpwJ. ,jNdhL njhlh;Gila nryTfs; nryTr; rpf;fdkpy;yhjitahff; fhzg;gLfpd;w nghOJ ,lh; Vw;Wf; nfhs;sYk; epfo;fpwJ. ,dq;fhzg;gl;l ,lh; Vw;gl;lhy; mJ njhlh;gpy; nraw;gLtjw;fhf Xh; jw;nray; jpl;lj;ij

cUthf;FtNj nghJthd tplakhFk;. Xh; ,lh; Vw;gLk; NghJ mJ njhlh;gpy; nraw;gLtjw;fhf jw;nray; jpl;lnkhd;iw cUthf;fy; Nghd;wtw;iwAk; cs;slf;fpajhf nraw;gLk; ,lh; nghWik fhj;jy; jpl;lk; fhzg;glyhk;.

fUj;jpl;lf;FO vt;tpj eltbf;iffisAk; Nkw;nfhs;shky; ,lh; Vw;gLfpd;w nghOJ mjw;Nfw;w tpjj;jpy; nraw;gLtij nghWik nkszp jpl;lk; vLj;Jiuf;fpwJ.


28

,liu milahsk;

fhzy;- Risk ID R01

1. ,lhpd; ngah; Nj.fh.e.ngh.epWtd tpahghur; rpd;dk; njlh;ghd ,lh;.

2. ,lhpd;

jhf;nfy;iy

cah;thd fld; jug;gLj;jy;> chpikf; Nfhhpf;if nfhLg;gdTfis toq;Ftjpy; fhzg;gLk; ek;fgj;jd;ik> kpfr; rpwg;ghd thbf;ifahsh; nrit Mfpad njhlh;gpy; rpwg;ghd ew;ngaiuAila Xh; mikg;G vd;w Kiwapy; Vida Nghl;bahsh;fis tpl rpwg;ghf nraw;gLKfkhf Nghl;bj; jd;ikapy; cs;s rhjfkhd tpisTfisg; Ngz Ntz;Lk;.

njhiyf; fhl;rp epfo;r;rpfs;> gj;jphpif tpsk;guq;fs;> Mrphpaj; jiyaq;fr; nra;jpfs;> thbf;ifahsh; Near; nraw;ghLfs;> gpur;rhuk; Nghd;w tpahghur; rpd;d Kfhikj;Jt nraw;ghLfis Nkw;nfhs;tjd; %yk; Nj.fh.e.ngh. epjpaj;jpd; $l;Lhpik tpahghur; rpd;dk; Nkk;ghL milAk;.

3. ,lhpd; jd;ik re;ijAld; njhlh;Gilait

4. rk;ge;jg;gl;l

gq;fPl;Lg;ghl;lhsh;fs; ew;ngaiu cah;thfg; NgZtJ mikg;gpYs;s midtuJk; nghWg;ghFk;.

5. epfof; $ba

msT kjpg;GW

*(fhy ,ilNtis>

gpd;tpisT)

4*4

,liu milahsk;

fhzy;- Risk ID R02

1. ,lhpd; ngah; chpikf; Nfhhpf;if mjpfhpg;G

2. ,lhpd;

jhf;nfy;iy

chpik Nfhhpf;iffs; mjpfhpg;gjd; tpisthf ,lh; fhuzpfs;> jpBnud mjpfhpf;Fk; tha;g;Gs;sd.

,og;Gr; rPh; nra;jy;> chpikf; Nfhhpf;iff; FOf;fs; %ykhf Gydha;T tprhuizfs; Mfpatw;wpd; %yk; Neh;ikaw;w chpikf; Nfhhpf;iffis jLg;gjd; %yk; chpikf; Nfhhpf;if mjpfhpg;G njhlh;ghd ,lh;fis jLf;f KbAk;.

3. ,lhpd; jd;ik epjpAld; njhlh;Ggl;lJ.

4. rk;ge;jg;gl;l

gq;fPl;Lg;ghl;lhsh;fs; chpikf; Nfhhpf;if nray;Kiwj; jpizf;fsq;fs;

5. epfof; $ba

msT kjpg;GW

*(fhy ,ilNtis>

gpd;tpisT)

4*3


29

,liu milahsk;

fhzy-; Risk ID R03

1. ,lhpd; ngah; tpahghu ];jpuj; jd;ik kw;Wk; ,lh; tp];jhpg;G

2. ,lhpd;

jhf;nfy;iy

Gjpa cw;gj;jp mgptpUj;jp %ykhf Nghl;bapy; rpwg;ghfj; jpfo Kw;gLifapy; rpwg;Gf; FWQ;re;ij kw;Wk; tha;g;Gs;s Nfs;tpfs; njhlh;ghf vOk; ,ilntspfs; njhlh;gpy; Nghjpa ftdk; nrYj;jg;gly; Ntz;Lk;.

NtiyepWj;jq;fs;> fyfq;fs;> rptpy; nfhe;jspg;Gfs;> gaq;futhj fhg;GWjp> Nkhl;lhh; thfdf; fhg;GWjp> mf;u`hu fhg;GWjp> ntspehl;L Ntiytha;g;Gf; fhg;GWjp> kPs; fhg;GWjp Kjyhd mNefkhd cghaKiw tpahghug; gphpTfSf;F gy;tifikailjd; Clhf el;l Mgj;J Fiwj;Jf; nfhs;sg;gl;Ls;sJ.

3. ,lhpd; jd;ik cf;jp rhh;e;jJ.

4. rk;ge;jg;gl;l

gq;fPl;Lg;ghl;lhsh;fs; rk;ge;jg;gl;l jpizf;fsq;fisr; Nrh;e;j gzpahl;njhFjpapdh;

5. epfof; $ba

msT kjpg;GW

*(fhy ,ilNtis>

gpd;tpisT)

3*3

,liu milahsk;

fhzy -Risk ID

R04

1. ,lhpd; ngah; tpidkDf; Nfhuy; ,lh;

2. ,lhpd;

jhf;nfy;iy

Gjpa fhg;Wjp epWtdq;fspd; tUif fhuzkhfTk;> tpiykDf; Nfhuy;fspy; tpiy Fwpj;jy; njhlh;gpy; fhzg;gLk; Nkhrkhd eltbf;iffs; fhuzkhfTk; Nghl;bfs; mjpfhpj;Js;sJld; Gjpjhf ,j;Jiwapy; gpuNtrpg;gth;fs; Fiwthd fhg;GWjpf; fl;lzj;ij eph;zapg;gjd; %yk; re;ijapy; jkf;fhd tha;g;ig mjpfhpj;Jf; nfhs;tjw;fhd Fiwthd ,yhgj;jpy; nraw;gl Kw;gLtjd; %yKk; ,j;Jiwapy; ,lh;fs; mjpfhpj;Js;sd.

,t;tpjkhd ,lh;fisj; jzpf;Fk; Kfkhf> tpiykDf; Nfhuy;fisj; jahhpg;gjw;F Kd;dh; tpQ;Qhd hPjpahd rhj;jpag;ghl;Lf; fzpg;gPLfs; Nkw;nfhs;sg;gLfpd;wd.

3. ,lhpd; jd;ik Nghl;b njhlh;ghdJ

4. rk;ge;jg;gl;l

gq;fPl;Lg;ghl;lhsh;fs; gzpahl; njhFjpapdUld; njhlh;Gila xg;GWjp

5. epfof; $ba

msT kjpg;GW

*(fhy ,ilNtis>

4*2


30

gpd;tpisT)

,liu milahsk;

fhzy- Risk ID R05

1. ,lhpd; ngah; KjyPl;Lf; fld; ,lh;> fpufpj;jy; ,lh;

2. ,lhpd;

jhf;nfy;iy

fldpW tYtpog;G epiyik fhuzkhf epjp epWtdq;fs; gzj;ijr; nrYj;j Kbahj epiyik Vw;gLfpd;w nghOJ KjyPl;Lf; fld; ,lh; Vw;gLfpd;wJ.

kf;fs; tq;fp> ,yq;if tq;fp> Njrpa Nrkpg;G tq;fp Nghd;w gy;NtW tq;fpfspy; KjyPLfis Nkw;nfhs;tjd; %yk; fpufpj;jy; njhlh;ghd ,lh;fs; jzpf;fg;gLfpd;wd.

KjyPl;Lf; fld; ,liuf; Fiwe;j kl;lj;jpy; vspJgLj;Jk; nghUl;L jpiwNrhp cz;bay;fs;> REPOs > jpiwNrhp Kwpfspy; el;l Mgj;Jfs; mw;w KjyPLfs; mur tq;fpfspy; khj;jpuk; nra;ag;gLfpd;wd.

3. ,lhpd; jd;ik epjpAld; njhlh;Gilait

4. rk;ge;jg;gl;l

gq;fPl;Lg;ghl;lhsh;fs; khw;wPL epjpaply; Kiwfis Kfhikj;Jtk; ehlNtz;Lk;.

5. epfof; $ba

msT kjpg;GW

*(fhy ,ilNtis>

gpd;tpisT)

2*3

,liu milahsk;

fhzy - Risk ID R06

1. ,lhpd; ngah; cgha Kiw Rw;whly; rhh; ,lh;

2. ,lhpd;

jhf;nfy;iy

Rw;whlypy; Vw;gLfpd;w Jhpj khw;wq;fs;> rpf;fy;fs; Nghd;wtw;wpd; fhuzkhf murpay;> nghUshjhu> r%f-fyhrhu> njhopy;El;g hPjpahd khw;wq;fs; Vw;glyhk;.

cghaKiw Nehf;fq;fis va;Jtij cWjpg;gLj;jpf; nfhs;Sk; nghUl;L Njrpa fhg;GWjp ek;gpf;ifg; nghWg;G epjpaj;jpd; cgha Nehf;fk; kPJ ghjpg;Gr; nrYj;jf;$ba ,yq;ifapd; fhg;GWjpj; JiwAld; njhlh;Ggl;l

murpay;> njhopy;El;g> r%f-fyhrhu/ nghUshjhu mgptpUj;jpfs; fhg;GWjpj; Jiwapd; Nghl;bahsh;-thbf;ifahsh; ,af;fhw;wy;fs; Njrpa fhg;GWjp ek;gpf;ifg;nghWg;G epjpaj;jpdhy; ftdkhff; fz;fhzpf;fg;gl;L tUfpd;wd.

3. ,lhpd; jd;ik epjp hPjpahdJ

4. rk;ge;jg;gl;l

gq;fPl;Lg;ghl;lhsh;fs; rpNu\;l Kfhikj;Jtk;


31

5. epfof; $ba

msT kjpg;GW

*(fhy ,ilNtis>

gpd;tpisT)

1*5

,liu milahsk;

fhzy -Risk ID R07

1. ,lhpd; ngah; rh;tNjr ,lh; (el;l Mgj;J)

2. ,lhpd;

jhf;nfy;iy

Njrpa fhg;GWjp ek;gpf;ifg;nghWg;G epjpaj;jpd; tpahghu eltbf;iffs; kPJ Neubahfg; ghjpg;Gr; nrYj;jpAs;s rh;tNjr murpay; kw;Wk;

r%f/nghUshjhu ,af;fhw;wy;fs; Njrpa fhg;GWjp ek;gpf;ifg; nghWg;G epjpaj;jpdhy; Nkw;ghh;it nra;ag;gl;Ls;sd.

,yq;ifapd; Gyk;ngah; Copah;f spy; ngUk;ghyhNdhh; thOk; kj;jpa fpof;F ehLfspd; rhh;Gg; Nghf;Ffs; kw;Wk; Njrpa fhg;GWjp ek;gpf;ifg;nghWg;G epjpaj;jpd; kPs; fhg;GWjpg; gphpT rhh;e;j rh;tNjr tpahghu rhh;Gg; Nghf;Ffis Kfhikj;Jtk; nra;tJk; Fwpg;ghf fz;fhzpg;gJk; mjpy; mlq;Fk;.

3. ,lhpd; jd;ik Rw;whly;

4. rk;ge;jg;gl;l

gq;fPl;Lg;ghl;lhsh;fs; ntspehl;L Ntiytha;g;G kw;Wk; kPs; fhg;GWjp gzpahl;njhFjp.

5. epfof; $ba

msT kjpg;GW

*(fhy ,ilNtis>

gpd;tpisT)

2*3

,liu milahsk;

fhzy -Risk ID R08

1. ,lhpd; ngah; jfty; njhopy;El;gk; rhh; ,lh;

2. ,lhpd;

jhf;nfy;iy

fhg;GWjp fl;Lg;gz nray;Kiw> chpikf; Nfhhpf;if nray;Kiw> fzf;fpay; nray;Kiw Mfpad njhlh;gpy; fzpdp nkd;nghUs;fis gad;gLj;JtJ Efh;NthUf;fhd Nritfis toq;Ftjpy; xU Kf;fpa mk;rkhFk;.

jfty; njhopy;El;g el;l Mgj;Jfis Kwpabf;f khw;Wj; jPh;Tfshf gy;NtW eltbf;iffs; vLf;fg;gl;Ls;sd. itu]; jhf;fj;ijj; jLf;Fk; nghUl;L Njrpa fhg;GWjp ek;gpf;ifg;nghWg;G epjpa mYtyfj;jpd;

fzpdpfspy; Sophos Anti-virus gf;Nf[; epWtg;gl;Ls;sJ. Kiwikfs; nray;

,og;gjd; %yk; vof;$ba el;lq;fs; Backup Storage Systems kw;Wk; njhlh;

tY Kiwikfs; Clhf Fiwf;fg;gl;Ls;sd.

3. ,lhpd; jd;ik jfty; njhopy;El;gk;> jfty; cf;jpfs;


32

4. rk;ge;jg;gl;l

gq;fPl;Lg;ghl;lhsh;fs; jfty; njhopy;El;gg; gzpahl;fs;

5. epfof; $ba

msT kjpg;GW

*(fhy ,ilNtis>

gpd;tpisT)

4*3

,liu milahsk;

fhzy -Risk ID R09

1. ,lhpd; ngah; nraw;ghl;L ,lh; (el;l Mgj;J)

2. ,lhpd;

jhf;nfy;iy

nraw;ghLfis fzpdpkag;gLj;Jtjd; Clhf nraw;ghl;L el;l Mgj;Jfs; Fiwf;fg;gLfpd;wd. fl;Lg;gzq;fisj; jpul;Ljy;> chpikf; Nfhhpf;iff; nfhLg;gdTfs; njhlh;gpy; Vw;gLk; tOf;fisAk; Kuz;ghLfisAk; Fiwj;Jf; nfhs;Sk; nghUl;L NtiyepWj;jq;fs;> fyfq;fs;> rptpy; nfhe;jspg;Gfs;> gaq;futhj epjpaj;jpdJk; Njrpa fhg;GWjp ek;gpf;ifg; nghWg;G epjpaj;jpdJk; Vida gphpTfspd; cs;sff; fzf;fha;T mYty;fs; cs;sff; fzf;fha;Tg; gphptpdhy; epiwNtw;wg;gl;Ls;sd. NkYk;> tOf;fisAk; Kuz;ghLfisAk; Fiwj;Jf;nfhs;Sk; nghUl;L mYtyf nraw;ghl;L mYty;fs; fzpdpkag;gLj;jg;gl;Ls;sd.

3. ,lhpd; jd;ik epjp hPjpahd njhlh;Gfs;

4. rk;ge;jg;gl;l

gq;fPl;Lg;ghl;lhsh;fs; chpikf; Nfhhpf;if nray; Kiwj; jpizf;fsq;fs;

5. epfof; $ba

msT kjpg;GW

*(fhy ,ilNtis>

gpd;tpisT)

5*1

,liu milahsk;

fhzy -Risk ID R10

1. ,lhpd; ngah; Gjpa cw;gj;jp mgptpUj;jp ,lh;

2. ,lhpd;

jhf;nfy;iy

Gjpa fhg;GWjpj; jpl;lq;fis cUthf;Ffpd;w nghOJ Vw;glf;$ba el;lq;fs; njhlh;ghf Gjpa cw;gj;jp mgptpUj;jp ,lh; Fwpg;gpLfpwJ.

,yhg el;lkw;w Gs;spg; gFg;gha;T> czh;jpwd; gFg;gha;T> epiyikg; gFg;gha;T cs;slq;fyhf Jhpj rhj;jpag;ghL fzpg;gPLfis Nkw;nfhs;tjd; %yKk;> fhg;GWjpj; jpl;lj;jpd; tpjpKiwfisAk; epge;jidfisAk; tFg;gjd; %yKk; Gjpa cw;gj;jp mgptpUj;jp njhlh;ghd ,lh;fis jzpf;f KbAk;.


33

3. ,lhpd; jd;ik epjp hPjpahd njhlh;Gfs;

4. rk;ge;jg;gl;l

gq;fPl;Lg;ghl;lhsh;fs;

Fwpg;gpl;l fhg;GWjp (nghJf; fhg;GWjp> mf;u`hu Nghd;w) jpizf;fs

gzpahl;njhFjpapdh;.

5. epfof; $ba

msT kjpg;GW

*(fhy ,ilNtis>

gpd;tpisT)

3*4

,lh; kjpg;gPl;L mr;Rthh;g;GU

Nkw;nrhd;d ngWNgWfspd; mbg;gilapy;> gpd;tUk; ,lh; kjpg;gPl;L mr;R thh;g;GUtpy;

fhzf;$ba el;l Mgj;Jfspd; jPtpuj;jd;ikapd; kPJ mike;J Njrpa fhg;GWjp

ek;gpf;ifg;nghWg;G epjpaj;jpd; Kf;fpa el;l Mgj;Jfs; gw;wpa jlitfspd;

vz;zpf;ifg; gFg;gha;T Kf;fpa ftdj;jpw;F cl;gl;Ls;sJ.

jlitfspd; vz;zpf;if (epfof;$bait)

1 2 3 4 5

jhf;fk;;

1

R09

2

R04

3

R07

R05

R03

R02

R08

4

R10 R01

5

R06


34

4. epjpf; $w;Wf;fs;


35

tUkhd kw;Wk; nryTf; $w;W

NATIONAL INSURANCE TRUST FUND

STATEMENT OF INCOME AND EXPENDITURE (All figures in Sri Lankan Rupees)

For the year ended December 31,

2010 2010 2010 2009

Notes Agrahara & Other SRCC & Tr. Total Total

Revenue

Net Earned Premium Income 01 1,892,214,736 2,034,255,121 3,926,469,856 4,019,486,220

Benefits, Losses and Expenses

Insurance claims and benefits 02 (1,615,721,920) (676,351,063) (2,292,072,983) (2,075,936,806)

276,492,815 1,357,904,058 1,634,396,873 1,943,549,415

Other Revenue - -

Investment Income 109,025,357 689,091,680 798,117,037 1,364,459,074

Interest on Loans - 16,982,331 16,982,331 15,125,027

Other income 1,006,353 - 1,006,353 471,787

110,031,710 706,074,011 816,105,721 1,380,055,889

Expenditure - -

Staff related costs 03 41,122,011 1,204,021 42,326,032 33,124,615

Administration Expenses 04 39,769,135 5,366,871 45,136,006 49,246,381

Finance & Other expenses 05 6,907,839 25,517,858 32,425,697 38,401,103

Total expenditure 87,798,985 32,088,749 119,887,735 120,772,099

Income over expenditure 298,725,540 2,031,889,319 2,330,614,859 3,202,833,204

(rfy ngWkhdq;fSk; ,yq;if &ghtpy;)

tUkhdk;

Njwpa ciof;fg;gl;l fl;Lg;gz tUkhdk;

ed;ikfSk;> ,og;GfSk;> nryTfSk;

fhg;GWjp chpikf; Nfhhpf;iffSk; ed;ikfSk;

gpw tUkhdk;

KjyPl;L tUkhdk;

fld;fs; kPjhd tl;b

gpw tUkhdk;

nrytpdk;

gzpahl;nlhFjpapdUf;fhd nryTfs;

epUthfr; nryTfs;

epjp kw;Wk; gpw nryTfs;

nkhj;jr; nrytpdk;

nrytpdj;Jf;F Nkyhd tUkhdk;

2010 2010 2010.12.31 2009.12.31 Fwpg;Gfs; mf;u`huhTk; Nt.f.rp.nfh.g.ep. nkhj;jk; nkhj;jk; gpwTk;

jpnrk;gh; 31 Mk; jpfjpAld;

Kbtile;j Mz;Lf;fhdJ

tuT> nryTf; $w;W


36

Ie;njhif

epjp Kfhikahsh;

epjp njhlh;ghd epjpf; $w;Wf;fs; ,yq;if fzf;fha;Tj; juhjuq;fSf;F Vw;g fhzg;gLfpd;wJ vd ehd; cWjpg;gLj;JfpNwd;.

epjpf; $w;Wf;fis jahhpj;J mjid rkh;g;gpg;gjw;fhd nghWg;G gzpg;ghsh;fs; rigia rhh;e;jjhFk;.

rig rhh;ghf xg;gk;


2010 2010 2010 mf;u`huhTk; Nt.f.rp.nfh.g.ep. nkhj;jk; Fwpg;Gfs; gpwTk;

Njrpa fhg;GWjp ek;gpf;ifg; nghWg;G epjpak;

nrhj;Jf;fs;

elg;Gr; nrhj;Jf;fs; my;yhjit

Mjdk;> nghwpj;njhFjp cgfuzk;

KjyPLfs;

elg;Gr; nrhj;Jf;fs;

ngwg;glw;ghyit

fhRk; fhRf;F epfuhditAk;

nkhj;jr; nrhj;Jf;fs;

chpik KjYk; nghWg;GfSk;

chpik Kjy;

jpuz;l epjpak;

njhopy;El;g xJf;F

ciof;fg;glhj fl;Lg;gzk;

gpw;Nghlg;gl;l juF

nghWg;Gfs;

elg;Gg; nghWg;Gfs; my;yhjit

mur nfhil

nrYj;jg;glw;ghyjhd ,yhgj;juF

elg;Gg; nghWg;Gfs;

nrYj;jg;glw;ghyjhd chpikf;

Nfhhpf;if

gpw nrYj;jg;glw;ghyit

nkhj;j chpik KjYk; nghWg;Gk;

Ie;njhif

jpnrk;gh; 31 ,Ys;sthW

2009

nkhj;jk;


37

jpul;ba epjpaj;jpyhd khw;wq;fs; gw;wpa $w;W

(All figures in Sri Lankan Rupees)

As at December 31,2010

2010 2010 2010 2009

Agrahara & Other SRCC & Tr. Total Total

ACCUMULATED FUND

Accumululate d Fund as at 31 December of the year 1,422,320,927 7,942,531,369 9,364,852,296 8,412,019,579

Prior Year Adjustment

Less: Contribution to Consolidated Fund (2,000,000,000) (2,000,000,000) (2,250,000,000)

Income over Expenditure 298,725,540 2,031,889,319 2,330,614,859 3,202,833,204

Accumululated Fund as at 31 December of the year 1,721,046,467 7,974,420,689 9,695,467,155 9,364,852,783


2010 2010 2010 2009 mf;u`huhTk; Nt.f.rp.nfh.g.ep. nkhj;jk; nkhj;jk; gpwTk;

2010 jpnrk;gh; 31 Mk; jpfjpAld;

Kbtile;j Mz;Lf;fhdJ

jpul;ba epjpak;

2009.12.31 ,y; cs;sthwhd jpul;ba epjpak;

Kd;ida Mz;bd; rPuhf;fy;fs;

fopf;f : jpul;ba epjpaj;Jf;fhd gq;fspg;G


2009.12.31 ,y; cs;sthwhd jpul;ba epjpak;


38

fhRg;gha;r;ry; $w;W NATIONAL INSURANCE TRUST FUND


For the year ended Decmber 31,

2010 2009

Cash flow from operating activities

Net profit for the period 2,330,614,859 3,202,833,204

Less: Contribution to Consolidated Fund (2,000,000,000) (2,250,000,000)

330,614,859 952,833,204

Adjustments for:

Depreciation 12,348,990 11,190,515

Investment income (798,117,037) (1,364,459,074)

Unearned Premium Income (225,260,471) (16,492,497)

Deferred Commission 60,394,237 6,859,804

Operating profit before working capital changes (620,019,422) (410,068,049)

Decrease /(Increase) in receivables 133,754,524 (91,068,430)

Increase/(Decrease) in Profit Commission Payable (51,474,775) (49,873,324)

Decrease in profit due to prior year adjustment - -

Increase in Claim payable 188,500,287 (3,821,711)

Decrease in Other payables 64,231,487 (128,031,265)

Net cash from operating activities (285,007,900) (682,862,778)

Cash flows from investing activities

Purchases of property, plant and equipment (4,841,497) (10,190,446)

Investment in Governent Securities 2,975,663,911 (801,028,105)

Proceeds of sale of equipment - -

Investment income 798,117,037 1,364,459,074

Net cash used in investing activities 3,768,939,450 553,240,523

Net increase/ decrease in cash and cash equivalents 3,483,931,550 (129,622,255)

Cash and cash equivalents at beginning of the period 110,173,003 239,795,258

Cash and cash equivalents at end of the period 3,594,104,553 110,173,003

Analysis of cash and cash equivalents

Cash in hand and balances with banks 53,631,851 93,999,852

Short-term investments 3,540,472,702 16,173,151

Cash and cash equivalents 3,594,104,553 110,173,003



Kbtile;j Mz;Lf;fhdJ

njhopw;ghl;L eltbf;iffspypUe;jhd fhRg; gha;r;ry;

fhyg; gFjpf;Fhpa Njwpa ,yhgk;

fopf;f : jpul;ba epjpaj;Jf;fhd cjTj;njhif

rPuhf;fy;fs;:

Nja;khdk;

KjyPl;L tUkhdk;

coif;fg;glhj fl;Lg;gz tUkhdk;

gpw;Nghlg;gl;l juF

njhopw;ghl;L %yjd khw;wq;fSf;F Kd;duhd nraw;ghl;L ,yhgk;

ngwg;glw;ghyitapyhd Fiwg;G

nrYj;jw;glw;ghyjhd ,yhgj; jufpyhd mjpfhpg;G (FiwT)

Kd;ida Mz;Lr; rPuhf;fy;fspd; tpisthf ,yhgj;jpyhd Fiwg;G

nrYj;jw;glw;ghyjhd chpikf; Nfhhpf;ifapyhd Fiwg;G

Vida nrYj;jg;glw;ghyitapyhd Fiwg;G

njhopw;ghl;L eltbf;iffspypUe;jhd Njwpa fhR KjyPl;Lr; nraw;ghLfspypUe;jhd fhRg; gha;r;ry;fs;

Mjdk;> nghwpj;njhFjp cgfuzq;fspd; nfhs;tdT

mur gpizg; nghWg;Gfspyhd KjyPLfs;

cgfuz tpw;gidapd; tUk;gbfs;

KjyPl;L tUkhdk;

KjyPl;Lr; nraw;ghLfspy; <LgLj;jpa Njwpa fhR

fhRk; fhRf;F epfuhdtw;wpYkhd Njwpa mjpfhpg;G / Fiwg;G

fhyg;gFjpapd; njhlf;fj;jpYs;s fhRk; fhRf;F epfuhditAk; fhyg;gFjpapd; ,WjpapYs;s fhRk; fhRf;F epfuhditAk;

fhRk; fhRf;F epfuhdtw;wpdJk; gFg;gha;T

ifapYs;s fhRk; tq;fp kPjpAk;

FWfpa fhy KjyPLfs;



39

fzf;fPl;Lf; nfhs;iffs;

1.0 $l;Lhpikj; jfty;fs;

Njrpa fhg;GWjp ek;gpf;ifg; nghWg;G epjpak;> ('epjpak;”)> '2006Mk;

Mz;bd; 28Mk; ,yf;f> Njrpa fhg;GWjp ek;gpf;ifg; nghWg;G epjpar;

rl;lj;jpdhy;” ,yq;ifapy; $l;bizf;fg;gl;Lj; jhgpf;fg;gl;Ls;sJ.

fk;gdpapd; gjpTnra;ag;gl;l mYtyfk;> nfhOk;G 10> B.Mh;.

tpN[th;j;jd khtj;ijapd; 70Mk; ,yf;f ,lj;jpy; mike;Js;sJld;>

gpujhd njhopyplKk; ,k;Kfthpapy; mike;Js;sJ.

,J Njrpa fhg;GWjp ek;gpf;ifg; nghWg;G epjpaj;jpd; 2006> 28Mk; ,yf;f

rl;lj;jpd; 2Mk; ghptpd; (i) kw;Wk; (j) ge;jpfspd; fPohd fl;lis %yKk;

1615/20 Mk; ,yf;f mjptpNrl th;j;jkhdg; gj;jphpifapd; %yKk; 2009

Mf];l; 20 Mk; jpfjp Kjy; ,e;epjpak; jdJ nghJf; fhg;GWjp tpahghu

eltbf;iffis jdpahh;Jiwf;Fk; tp];jhpj;Js;sJ

2.0 Kf;fpa fzf;fPl;Lf; nfhs;iffs;

2.1 jahhpg;gpd; mbg;gil

nghJthf Vw;Wf;nfhs;sg;gl;l fzf;fPl;Lf; nfhs;iffSf;Fk; ,yq;if gl;laf; fzf;fwpQh; epWtfj;jpdhy; tpjpf;fg;gl;l fzf;fPl;L epakq;fSf;Fk; ,zq;f tuyhw;W Kiwahd MFnryTr; rkthaj;jpd; fPo; epjpf;$w;Wfs; jahhpf;fg;gl;Ls;sd.

epjpf;$w;Wfs;> ,yq;if &gha;fspy; (&.) Kd;itf;fg;gLfpd;wd.

gztPf;ff; fhuzpfs; rhh;ghd rPh;nra;jy;fnsJTk; ,f;fzf;Ffspy; nra;ag;gl;bUf;ftpy;iy.

Njhjhdtplj;J> mLj;Jg; Fwpg;Gfspy; fzf;fPl;Lf; nfhs;iffs; tpsf;fg;gl;Ls;sd.

2.2 xg;gPl;Lg; ngWkhdq;fs;

epjpaj;jpdhy; xj;jpirthfg; gpuNahfpf;fg;gl;L Kd;ida Mz;by;

gad;gLj;jg;gl;ltw;Wld; fzf;fPl;Lf; nfhs;iffs; xj;jpirthf cs;sd.

Kd;ida Mz;Lf;fhd ngWkhdq;fs;> Mz;bd; Kd;itg;Gf;F

mtrpakhdtplj;njy;yhk; kPs xOq;FgLj;jg;gl;Ls;sd


40

fzf;fPl;Lf; nfhs;iffs; (njhlh;r;rp)

2.3 %yjdg; gpizg;Gfs;

Ie;njhifj; Njjpad;W cs;sthwhf %yjdg; gpizg;Gfs; vitAk; ,Uf;ftpy;iy.

2.4 fhRg; gha;r;ry; $w;W

fhRg; gha;r;ry; $w;W> 'Neupy; Kiwia’ gad;gLj;jp

jahhpf;fg;gl;Ls;sJ.

2.5 njhlh;Ggl;l jpwj;jth; nfhLf;fy;thq;fy;fs;

njhlh;Ggl;l jpwj;jth; nfhLf;fy;thq;fy;fs; vitAk; ,Uf;ftpy;iy.

2.6 Ie;njhiff;Fg; gpd;duhd epfo;Tfs

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mt;tf; Fwpg;Gfspy; rPh;nra;jy;fs; my;yJ ntspf;fhl;ly;fs;

nra;ag;gl;Ls;sd.


41


2.7 nrhj;JfSk; mtw;wpd; ngWkjp kjpg;gPl;L mbg;gilfSk;

2.7.1 Mjdq;fs;> nghwpj;njhFjpfs;> cgfuzq;fs

Mjdq;fSk; nghwpj;njhFjpfSk; cgfuzq;fSk; MFnrytpy;

gjpag;gl;Ls;sd.

Mjdq;fSk; nghwpj;njhFjpfSk; cgfuzq;fSk; vd;gJ Fwpj;j

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epiyikf;Ff; nfhz;LtUtjpy; Vw;gl;l vitNaDk; nryTfSld;

Nrh;j;J nfhs;tdT MFnrythFk;.

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njhifiag; gjptopg;gjw;nfd Nja;khdj;Jf;fhd Vw;ghL> vy;yh

Mjdq;fspdJk; nghwpj;njhFjpfspdJk;. cgfuzq;;fspdJk;

MFnrytpd; kPJ Neh;f;Nfhl;L mbg;giliag; gad;gLj;Jtjd; %yk;

fzpg;gplg;gLfpwJ:-

nghwpj;njhFjpAk; ve;jpuj;njhFjpAk; - 10 Mz;LfSf;F Nky;

jsghlq;fSk; nghUj;jpfSk; - 08 Mz;LfSf;F Nky;

mYtyf cgfuzq;fs; - 06 Mz;LfSf;F Nky;

fzpdpfs; - 05 Mz;LfSf;F Nky;

Nkhl;lhh; thfdq;fs; - 05 Mz;LfSf;F Nky;


42


2.7.2 KjyPLfs;

KjyPLfs;> MFnrytpd;gb fhl;lg;gl;Ls;sd.

2.7.2 ngwg;glw;ghyit

fl;Lg;gzq;fs;> tl;b kw;Wk; Vida ngwg;glw;ghyit vd;gtw;wpidr;

Nrfhpg;gjw;fhd Mw;wy;> eilngw;Wf;nfhz;bUf;Fk; mbg;gilapy;

kPsha;T nra;ag;gLfpd;wJ.

Nrfhpf;fg;gl Kbahjitnad mwpag;gl;l fldhspfspd; NtW

ngwg;glw;ghyit gjptopf;fg;gLfpd;wd.

2.7.3 fhRk; fhRf;F epfuhditAk;

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tq;fp itg;igAk; nfhz;Ls;sd.

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ciof;fg;glhj fl;Lg;gzq;fs;> Ie;njhifj; Njjpf;F mLj;Jg; gpd;duhd el;l Mgj;Jf; fhyg; gFjpAld; njhlh;Ggl;l Xuhz;bd; vOj;jpyhd fl;Lg;gzj;jpd; me;j tpfpjhrhuq;fshf cs;sd. ciof;fg;glhj fl;Lg;gzq;fs;> KOnkhj;jf; fl;Lg;gzj;jpd; 24MtJ

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2.8.2 gpw;Nghlg;gl;l juTj; njhif

gpd;Nghlg;gl;l juF> ciof;fg;glhj fl;Lg;gzk; njhlh;ghd Njwpa juiff; Fwpf;fpd;wJ.


43


2.8.3 ,yhgj; juTj; njhif

,yhgj; juF fzf;fplg;gl;L ,U jtizg; gzq;fspy;

nrYj;jg;gLfpd;wJ. KjyhtJ jtizg;gzk;> fzf;fPl;Lf;

fhyg;gFjpapd; KbtpypUe;J MW khjq;fSf;Fg; gpd;dUk;>

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gd;dpnuz;L khjq;fSf;Fg; gpd;dUk; nrYj;jg;gLfpd;wJ.

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,iaghd epjpahz;bd;NghJ nrYj;jg;glhj mq;fPfhpf;fg;gl;l

chpikf; Nfhhpf;iffisAk;> epjpaj;jpd; cWg;gpdh;fspdhy;

ntspg;gLj;jg;gl;l epYitahfTs;s chpikf; Nfhhpf;iffSf;fhd

Vw;ghl;ilAk;> fpilf;ff;$badthapd;> kPs; fhg;GWjpf;fhfTk; kw;Wk;

mopT kPl;G mwtPLfSf;fhfTk; nrYj;jg;gl;l njhlh;Ggl;l

nryTfisAk; fopg;gdTfisAk; chpikf; Nfhhpf;iffs;

nfhz;Ls;sd.

2.8.5 gpw nrYj;jg;glw;ghyit

Vida nrYj;jg;glw;ghyit mtw;wpd; MFnrytpy; fhl;lg;gl;Ls;sd.

2.8.6 gpw Vw;ghLfs;

Ie;njhifj; Njjpad;W cs;sthwhf vy;yh mwpag;gl;l Vw;ghLfSf;Fk; fzf;Ffspy; KOikahf Vw;ghL nra;ag;gl;Ls;sJ.


44


2.9 tUkhdq;fSk; nrytpdq;fSk;

2.9.1 tUkhdk;

tUkhdkhdJ> epjpaj;Jf;Fg; nghUshjhu ed;ik Nruf;$ba> kw;Wk;

ek;gpf;ifahd Kiwapy; mstplg;gl KbAkhd rhj;jpaj;jd;ikapd;

msTf;F Vw;wq;fPfhpf;fg;gLfpd;wJ. tUkhdk; Vw;wq;fPfhpf;fg;gL Kd;dh;

gpd;tUk; Fwpg;gpl;l Vw;wq;fPfhuf; fl;lisf;fSk; <Lnra;ag;gLjy;

Ntz;Lk;:.

(m) fl;Lg;gz gq;fspg;G

fl;Lg;gz cjTnjhiffs;> tUkjpahf tUfpd;wNghJ

,dq;fhzg;ggLfpd;wd.

(M) tl;b tUkhdk;

vjph;fhyr; Nrfhpg;G Iaj;jpypUe;jhnyhopa> tl;b jpuSfpd;wthW tl;b

tUkhdk; Vw;wq;fPfhpf;fg;gLfpd;wJ.

2.9.2 nrytpdq;fis ,dq;fhzy;

epjpaj;ijf; nfhz;Lelhj;JtjpYk; Mjdq;fisAk;

nghwpj;njhFjpfisAk; cgfuzq;fisAk; tpidj;jpwdhd

epiyapy; NgZtjpYk; Vw;gl;l vy;yhr; nrytpdq;fSk; Njwpa

Nkd;kpifiaf; fzpg;gjpy; tUkhdj;jpw;Fg; nghWg;gpf;fg;gl;Ls;sJ.


45

epjpf;$w;Wfs; gw;wpa Fwpg;Giufs; NATIONAL INSURANCE TRUST FUND

NOTES TO THE INCOME STATEMENT (All figures in Sri Lankan Rupees)

For the for the year ended December 31,

2010 2010 2010 2009

Agrahara & Other SRCC & Tr. Total

01. NET EARNED PREMIUM INCOME

Contribution from Members 595,140,400 - 595,140,400 573,518,510

Contribution from Treasury 442,790,000 - 442,790,000 440,380,000

Premium income - Motor 237,386,267 - 237,386,267 244,352,905

Premium income- Reinsurance 296,078,296 - 296,078,296 473,434,837

Premium income - Parliamentary members 10,000,000 - 10,000,000 15,408,460

Premium income - Foreign Employment 231,968,216 - 231,968,216 200,483,864

Premium income - GI (Fire, Marine & Misc.) 149,796,387 - 149,796,387 194,237

Gross Written Premium - SRCC & Tr - 1,874,425,103 1,874,425,103 2,420,345,104

Premium Refunds - (4,194,863) (4,194,863) (5,956,997)

Gross Written Premium 1,963,159,567 1,870,230,240 3,833,389,806 4,362,160,919

Reinsurance Premium (70,944,831) (61,235,590) (132,180,421) (359,167,196)

Net Written Premium 1,892,214,736 1,808,994,650 3,701,209,385 4,002,993,723

Net Change in Reserves for unearned Premium - 225,260,471 225,260,471 16,492,497

1,892,214,736 2,034,255,121 3,926,469,856 4,019,486,220

02. BENEFITS LOSSES & EXPENSES

Spectacles 171,198,748 - 171,198,748 176,336,549

Hospital Charges 497,586,183 - 497,586,183 449,089,973

Child Birth 92,391,681 - 92,391,681 86,719,006

Accidents 21,090,442 - 21,090,442 36,961,808

Medical Charges 33,195,607 - 33,195,607 13,832,025

Cardiac 118,423,376 - 118,423,376 125,931,246

Cancer 25,415,064 - 25,415,064 18,590,588

Normal & Accidental Death 117,405,559 - 117,405,559 177,893,355

Motor Claims 151,555,078 - 151,555,078 149,425,694

Vedesharakiya Claim Expenses 160,963,358 - 160,963,358 85,934,583

Reinsurance Claim Expenses 202,732,501 - 202,732,501 46,326,266

Medical Insurance Claim Paliamentory Members 6,951,417 - 6,951,417 11,112,229

Medical Insurance Claim- General Insurance 10,598,492 10,598,492 3,851

Net Claims Incurred -SRCC & Tr. - 303,486,061 303,486,061 348,788,493

Net Commission 6,214,414 372,865,003 379,079,417 421,211,244

Profit Commission - - - (72,220,105)

1,615,721,920 676,351,063 2,292,072,983 2,075,936,806

03. STAFF COSTS

Gross salary 32,060,432 1,083,855 33,144,287 26,949,882

EPF - 12% 3,145,572 96,133 3,241,705 2,445,724

ETF 694,614 24,033 718,647 610,533

Overtime and holiday pay 553,393 - 553,393 242,206

Annual Bonus & Incentives 2,440,000 - 2,440,000 1,454,044

Other allowances 1,218,283 - 1,218,283 439,829

Casual wages 1,009,717 - 1,009,717 982,396

41,122,011 1,204,021 42,326,032 33,124,615


2010 2010 2010 2009 mf;u`huhTk; Nt.f.rp.nfh.g.ep. nkhj;jk; nkhj;jk; gpwTk;


Kbtile;j Mz;Lf;fhdJ

01. Njwpa ciof;fg;gl;l fl;Lg;gz tUkhdk;

mq;fj;jth;fsplkpUe;jhd cjTnjhif

jpiwNrhpaplkpUe;jhd cjTnjhif

fl;Lg;gz tUkhdk; - Nkhl;lhh;

fl;Lg;gz tUkhdk; - kPs; fhg;GWjp

fl;Lg;gz tUkhdk; - ghuhSkd;w cWg;gpdh;fs;

fl;Lg;gz tUkhdk; - ntspehl;L Ntiytha;g;G

fl;Lg;gz tUkhdk; - nghJf; fhg;GWjp (jP>fly;>ehdhtpjk;)

ngwg;gl;l nkhj;j Nt.f.rp.nfh.g.ep. fl;Lg;gzk;

fl;Lg;gz kPsspg;Gfs;

KOnkhj;j vOj;jpyhd fl;Lg;gzk;

kPs; fhg;GWjpf; fl;Lg;gzk;

Njwpa vOj;jpyhd fl;Lg;gzk;

ciof;fg;glh fl;Lg;gz xJf;Ffspyhd Njwpa khw;wk;

02. ed;ikfSk; el;lq;fSk; nryTfSk;

%f;Ff; fz;zhbfs;

kUj;Jtkidf; fl;lzq;fs;

kfg;NgW

jpBh; tpgj;Jfs;

kUj;Jtf; fl;lzq;fs;

,Uja Neha;fs;

Gw;WNeha;

rhjhuz kw;Wk; jpBh; tpgj;J kuzk;

Nkhl;lhh; chpikf; Nfhhpf;iffs;

ntspehl;L Ntiytha;g;G chpikf;Nfhhpf;ifr; nryTfs;

kPs; fhg;GWjp chpikf;Nfhhpf;ifr; nryTfs;

kUj;Jtf; fhg;GWjp gh.c.

kUj;Jtf; fhg;Wjp chpikf; Nfhhpf;iffs; - ngh. fhg;

cwg;gl;l Njwpa chpikf;Nfhhpf;iffs;-Nt.f.rp.nfh.g.ep

Njwpa juF

,yhgj; juF

03. gzpahl;nlhFjp MFnryTfs;

nkhj;jr; rk;gsk;

C Nr ep - 12

C e ep

NkyjpfNeu NtiyAk; tpLKiwehs; gbAk;

Mz;bd; kpif Cjpaq;fs;

Vida gbfs;

mkaf; $ypfs;


46

epjpf;$w;Wfs; gw;wpa Fwpg;Giufs; (njhlh;r;rp)

NOTES TO THE INCOME STATEMENT (All figures in Sri Lankan Rupees)

For the for the year ended December 31,

2010 2010 2010 2009


04. ADMINISTRATION EXPENSES

Traveling 177,633 140 177,773 47,319

Depreciation 8,305,506 4,043,485 12,348,990 11,190,515

Rent 2,989,145 - 2,989,145 3,067,399

Water 301,218 - 301,218 212,370

Electricity 3,131,932 - 3,131,932 3,263,238

Staff welfare Expenses 935,912 - 935,912 233,314

Telephone 1,061,308 31,051 1,092,359 866,926

Printing and stationary 3,770,600 - 3,770,600 3,671,912

Office Repair & maintenance 5,424,755 - 5,424,755 14,360,854

Janitorial maintenance 1,795 - 1,795 -

Inspection & Assessing 2,750,775 77,200 2,827,975 2,577,938

Dayata Kirula Expenses 579,500 - 579,500 959,454

Donation 3,264,373 500,000 3,764,373 2,535,000

Entertainment - 18,891 18,891

Professional fee 1,121,175 1,121,175 55,552

Meeting Expenses 143,897 - 143,897 90,378

Consultancy fee 68,200 - 68,200 453,880

Internet & Email expenses 469,583 - 469,583 548,021

Fuel Expenses 560,964 - 560,964 168,732

Vehicle Insurance 82,983 230,791 313,774 419,679

Staff Training 600,238 11,233 611,471 1,029,701

Medical Insurance 120,825 120,825 -

Newspaper and periodicals 64,937 - 64,937 19,790

Legal Expenses - - - 10,500

Security Charges 492,066 - 492,066 456,000

Branch opening expenses 472,175 472,175

Postage 2,552,296 46,840 2,599,136 2,558,545

Vehicle Maintenance 325,345 407,241 732,585 449,367

39,769,135 5,366,871 45,136,006 49,246,381

05. FINANCE & OTHER EXPENSES

Bank Charges 943,411 2,093,007 3,036,418 1,034,995

Audit Fee - 100,000 100,000 121,009

Nation Building Tax Expenses - 23,001,951 23,001,951 30,755,595

Stamp Duty 42,223 - 42,223 66,825

Loss of Disposal - - - 147,393

Technical Advisory Committee Attendance fees - 138,000 138,000 205,500

Working Committee Attendance fees - 106,500 106,500 123,750

Exchange Loss 1,540,072 - 1,540,072 3,403,748

Pannel Attendence fee - 6,000 6,000 22,000

Miscellaneous Expenses 373,496 - 373,496 292,335

Sales Promotion Expenses 866,019

Advertising Expenses 3,142,618 72,400 3,215,018 2,227,954

6,907,839 25,517,858 31,559,678 38,401,103


2010 2010 2010 2009 mf;u`huhTk; Nt.f.rp.nfh.g.ep. nkhj;jk; gpwTk;

jpnrk;gh; 31 Mk; jpfjpAld; Kbtile;j

Mz;Lf;fhdJ

04 epUthfr; nryTfs;

gpuahzr; nryTfs;

Nja;khdk;

thlif

ePh;

kpd;rhuk;

gzpahl;nlhFjp eyd;Ghpr;; nryTfs;

njhiyNgrp

mr;rpLjYk; vOJfUtp tifAk;

mYtyfg; guhkhpg;G

Rj;jpfhpg;Gr; Nritg; guhkhpg;G

NrhjidAk; kjpg;gPL nra;jYk;

Njrj;jpw;F kFlk; fz;fhl;rp nryTfs;

md;gspg;Gfs;

kfpo;tspg;Gfs;

njhopw;Wiwrhh; fl;lzk;

$l;lr; nryTfs;

kjpAiuf; fl;lzk;

,izaj;js> kpd;dQ;rw; nryTfs;

vhpnghUs; nryTfs;

thfdf; fhg;GWjp

gzpahl;nlhFjpapdh; gapw;rpfs;

kUj;Jtf; fhg;Wjp

nra;jpj;jhs;fSk; gUt ,jo;fSk;

rl;lr; nryTfs;

ghJfhg;G tpjpg;gdTfs;

fpis jpwj;jy; njhlh;ghd nryTfs;

mQ;rw; nryT

thfdg; guhkhpg;G

05 epjp kw;Wk; gpw nryTfs;

tq;fp tpjpg;gdTfs;

fzf;fha;Tf; fl;lzk;

Njr eph;khz thpr; nryTfs;

Kj;jpiuf; fl;lzk;

ifAjph;g;G fhuzkhf Vw;gl;l el;lk;

njhopDl;g kjpAiuFO tUif fl;lzq;fs;

njhopw;ghl;Lf; FO tUiff; fl;lzq;fs;

nryhtzp el;lq;fs;

Fohk;fspd; tUiff; fl;lzq;fs;

ehdhtpj nryTfs;

tpw;gid Nkk;ghl;Lr; nryTfs;

tpsk;gur; nryTfs;


47


NATIONAL INSURANCE TRUST FUND

NOTES TO THE ACCOUNTS (All figures in Sri Lankan Rupees)

Note 6: PROPERTY PLANT AND EQUIPMENT

Motor

Vehicles

Office

Equipment

Furniture &

Fittings Software

Misc.

Assets Total

Cost:

Balance as at 01/01/2010 29,613,016 21,613,933 7,152,631 6,267,073 188,233 64,834,886

Additions 3,109,167 645,222 812,109 275,000 - 4,841,497

Disposals - - - - - -

Balance as at 31/12/2010 32,722,183 22,259,154 7,964,740 6,542,073 188,233 69,676,383

Depreciation:

Balance as at 01/01/2010 10,311,625 5,344,066 2,079,300 3,444,052 52,338 21,231,382

Charge for the year 6,600,762 3,187,858 937,955 1,616,581 5,835 12,348,990

Disposals for the year - - - - - -

Balance as at 31/12/2010 16,912,387 8,531,924 3,017,255 5,060,633 58,172 33,580,372

-

Written Down Value as at 31/12/2010 15,809,795 13,727,230 4,947,485 1,481,440 130,061 36,096,011

(rfy ngWkhdq;fSk; ,yq;if &ghtpy;) Fwpg;G 06 : Mjdq;fSk; nghwpj;njhFjpfSk; cgfuzq;fSk;

MFnryT

2010.01.01 md;Ws;sthwhd kPjp

Nrh;j;jy;fs;

ifAjph;j;jy;fs;


Nja;khdk;:


Mz;Lf;fhd tpjpg;gdT

Mz;Lf;fhd ifAjph;j;jy;fs;;


2010.12.31 md;Ws;sthwhd vOj;Jg; ngWkjp

Nkhl;lhh; mYtyf jsghlq;fSk; nkd; gytpd thfdq;fs; cgfuzq;fs; nghUj;Jjy;fSk; nghUl;fs; nrhj;Jf;fs; nkhj;jk;


48


NOTES TO THE BALANCE SHEET (All figures in Sri Lankan Rupees)

As at December 31, 2010 2010 2010 2009


07. RECEIVABLES

Premium receivable from BFE 34,140,364 - 34,140,364 16,397,700

Receivable from Treasury 174,321,548 - 174,321,548 174,321,548

Premium Receivable other 1,950,673 1,500 1,952,173 1,363,323

Interest Receivable 30,487,822 188,909,733 219,397,556 125,818,680

Premium Receivable SRCC & Tr - 234,261,889 234,261,889 388,014,979

Economic Service Charge 16,194,393 - 16,194,393 10,100,889

Receivable from Reinsurance Dept 4,262,442 4,262,442

Advances receivable 1,423,097 - 1,423,097 465,294

Receivable Reinsurance Premium 87,440,599 - 87,440,599 79,566,098

Soft Loans - 1,159,234,472 1,159,234,472 1,273,523,896

Refundable Deposit 1,693,218 - 1,693,218 1,317,518

Staff loans - 9,672,555 9,672,555 6,554,500

Prepaid Expenses - 154,270 154,270 176,901

Cheque return Receivable from members 1,667,318 - 1,667,318 1,949,093

349,319,032 1,596,496,863 1,945,815,895 2,079,570,419

08. CASH AND CASH EQUIVALENTS

Cash at bank 39,793,429 13,691,703 53,485,132 93,970,386

Cash in Hand 145,264 1,455 146,719 29,466

Short term Investments - 3,540,472,702 3,540,472,702 16,173,151

39,938,693 3,554,165,860 3,594,104,553 110,173,003

09. ACCUMULATED FUND

Accumulated fund 1,422,320,927 7,942,531,369 9,364,852,296 8,412,019,579

Prior year adjustments - - - -

Less: Contribution to Consolidated fund (2,000,000,000) (2,000,000,000) (2,250,000,000)

Income over expenditure 298,725,540 2,031,889,319 2,330,614,859 3,202,833,204

1,721,046,466 7,974,420,689 9,695,467,155 9,364,852,783

10. UNEARNED PREMIUM

Balance as at 31/12/2009 - 1,046,825,276 1,046,825,276 1,063,317,773

Provision for the year - (225,260,471) (225,260,471) (16,492,497)

Balance as at 31/12/2010 - 821,564,804 821,564,804 1,046,825,276




Kbtile;j Mz;Lf;fhdJ

07 ngwg;glw;ghyit

gPvt;< ,lkpUe;J ngwg;glw;ghyjhd fl;Lg;gzk;

jpiwNrhpaplkpUe;J ngwg;glw;ghyjhdit

ngwg;glw;ghyjhd gpw fl;Lg;gzk;

ngwg;glw;ghyjhd tl;b

ngwg;glw;ghyjhd fl;Lg;gzk; - Nt.f.rp.nfh.g.ep.

rpf;fd Nrit tpjpg;gdT

ngwg;glw;ghydthd kPs; fhg;GWjpg; gw;W

ngwg;glw;ghydthd Kw;gzq;fs;

ngwg;glw;ghydthd kPs; fhg;GWjp fl;Lg;gzk;

nkd; fld;fs;

kPsspf;fg;glw;ghyjhd itg;G

gzpahl;nlhFjpapdh; fld; njhif

Kw;nfhLg;gdT nra;ag;gl;l fhg;GWjp

mq;fj;jth;;fsplkpUe;J ngwg;glw;ghyjhd- fhNrhiy jpUg;gp mDg;Gif

08 fhRk; fhRf;F epfuhditAk;

tq;fpapYs;s fhR

ifapYs;s fhR

FWfpa fhy KjyPLfs;

09 jpul;ba epjpak;

jpul;ba epjpak;

Kd;ida Mz;Lf;fhd rPh;nra;jy;fs;

fopf;f: jpul;ba epjpaj;Jf;fhd cjTnjhif


10 ciof;fg;glhj fl;Lg;gzk;


Mz;Lf;fhd Vw;ghL



49


NOTES TO THE BALANCE SHEET (All figures in Sri Lankan Rupees)

As at December 31, 2010 2010 2010 2009


11.DIFFERED COMMISSION

Balance as at 31/12/2009 - 200,139,536 200,139,536 206,999,341

Provision for the year - (60,394,237) (60,394,237) (6,859,804)

Balance as at 31/12/2010 - 139,745,300 139,745,300 200,139,536

12. PROFIT COMMISSION PAYABLE

Profit Commission payable(Payable in 2010) - 12,287,375 12,287,375 63,762,150

- 12,287,375 12,287,375 63,762,150

13. CLAIM PAYABLES

Claims Payable 119,025,593 398,974,615 518,000,207 329,499,921

119,025,593 398,974,615 518,000,207 329,499,921

14. OTHER PAYABLES

Accrued Expenses 1,839,271 1,298 1,840,569 1,932,260

Other Payables 187,992 288,592 476,584 16,666

SRCC & Tr Premium payable 266,298 - 266,298 5,848,228

Road Safety tax payable 514,746 - 514,746 371,523

Premium Refund Payable - 11,784,210 11,784,210 13,093,389

Contribution payable to welfare soceity 307,807 - 307,807 356,750

Claim cheques/SLIP returned payable 2,197,021 - 2,197,021 985,832

Audit fee Payable - 325,000 325,000 225,000

VAT & NBT Payable 36,281,543 14,295,599 50,577,142 32,758,798

Reinsurance Payable 23,661,906 150,314,066 173,975,973 122,445,417

65,256,584 177,008,766 242,265,350 178,033,863




Kbtile;j Mz;Lf;fhdJ

11. gpw;Nghlg;gl;l juF


Mz;Lf;fhd Vw;ghL


12. nrYj;jg;glw;ghyjhd ,yhgj; juF

nrYj;jg;glw;ghyjhd ,yhgj; juF

(2010 ,y; nrYj;jg;glw;ghyJ)

13. nrYj;jg;glw;ghydthd chpikf;Nfhhpf;iffs;

nrYj;jg;glw;ghydthd chpikf;Nfhhpf;iffs;

14. gpw nrYj;jg;glw;ghyit

xd;Wjpuz;l nryTfs;

Vida nrYj;jg;glw;ghyit

nrYj;jg;glw;ghy Nt.f.rp.nfh.g.ep. fl;Lg;gzk;

nrYj;jg;glw;ghyjhd tPjpf; fhg;G thp

nrYj;jg;glw;ghyjhd fl;Lg;gz kPsspg;G

eyd;Ghpr; rq;fj;jpw;F nrYj;jj;jF cjTnjhif

chpikf;Nfhhpf;iff; fhNrhiyfs;/v];vy;IgP

nrYj;jg;glw;ghyjhd fzf;fha;Tf; fl;lzk;

nrYj;jg;glw;ghy ng.Nr.thpAk; Nj.ep.thpAk;

nrYj;jg;glw;ghyjhd kPs;fhg;GWjp


50

5. fzf;fha;thsh; mwpf;if


51


52


53


54


55


56


57


58

6. nrayhw;Wif kPsha;T


59

nraw;ghL njhlh;ghd

Kf;fpa mk;rq;fs;

0

50,000

100,000

150,000

200,000

250,000

300,000

2008 2009 2010

No of Overseas Migrant

Workers Insured

0

2000

4000

6000

8000

10000

12000

14000

16000

18000

2008 2009 2010

No of Motor Insurance

Policies

0

20

40

60

80

100

120

140

160

2006 2007 2008 2009 2010

Number of Employees

0%

10%

20%

30%

40%

50%

60%

70%

80%

2008 2009 2010

Claims Ratio – Motor Insurance

fhg;Wjp nra;ag;gl;l Gyk;ngah;

njhopyhsh;fsJ vz;zpf;if

Copah;fspd; vz;zpf;if

chpik Nfhhpf;if tpfpjk; - mf;u`huh

thfdf; fhg;GWjpg; gj;jpuq;fspd;

vz;zpf;if

chpik Nfhhpf;if tpfpjk; - Nkhl;lh; fhg;GWjp


60

epjp njhlh;ghd Kf;fpa

mk;rq;fs;

Njwpa ciof;fg;gl;l fl;Lg;gz Nghf;Ffs;

-

1,000

2,000

3,000

4,000

5,000

2006 2007 2008 2009 2010

Rs. M

illio

ns

Net Earned Premium Income

gzpahl;nlhFjp njhlh;ghd nryTg; Nghf;F

-

5

10

15

20

25

30

35

40

45

2006 2007 2008 2009 2010R

s. M

illio

ns

Staff Related Costs

eph;thf hPjpahd nryTg; Nghf;Ffs;

Njwpa ciof;fg;gl;l fl;Lg;gz

tUkhdk; (&)

gzpahl;nlhFjp njhlh;ghd nryTfs;

eph;thf hPjpahd nryTfs; (&) kpy;ypad;fs;

kpy;ypad;fs;

kpy;ypad;


61


mk;rq;fs; (njhlh;r;rp)

epjp kw;Wk; Vida nryTg; Nghf;Ffs;

-

5

10

15

20

25

30

35

40

45

2006 2007 2008 2009 2010

Millions

Finance & Other Expenses (Rs.)

Njwpa ,yhgg; Nghf;F

(500)

-

500

1,000

1,500

2,000

2,500

3,000

3,500

2006 2007 2008 2009 2010

Millions

Net Profit (Rs.)

nkhj;j ,yhgg; Nghf;F

-

500

1,000

1,500

2,000

2,500

3,000

3,500

2006 2007 2008 2009 2010

Rs.

Mil

lio

n

Gross Profit

jpul;ba epjpag; Nghf;Ffs;

0

2000

4000

6000

8000

10000

12000

2006 2007 2008 2009 2010

Millions

Accumulated Fund (Rs.)

Mjdk;> nghwpj;njhFjp> cgfuzg;

Nghf;Ffs;

0

10

20

30

40

50

2006 2007 2008 2009 2010

Millions

Property, Plant and Equipment

(Rs.)

KjyPl;L epjpg; Nghf;Ffs;

0

1000

2000

3000

4000

5000

6000

7000

8000

9000

2006 2007 2008 2009 2010

Millions

Investments (Rs.)

epjp kw;Wk; Vida nryTfs; (&)

jpul;ba epjpak; (&)

Njwpa ,yhgk; (&)

nkhj;j ,yhgk; (&)

KjyPLfs; (&)

Mjdk;> nghwpj;njhFjp>

cgfuzq;fs; (&)

kpy;ypad;

kpy;ypad;

kpy;ypad;

kpy;ypad;

kpy;ypad;

kpy;ypad;


62


mk;rq;fs; (njhlh;r;rp)

fl;Lg;gz tUkhd xd;Wjpul;ba gFg;gha;Tfs;

2007 2008 2009 2010

Nt.f.rp.nfh.g. epjpak;

mf;u`hu jpiwNrhp

mf;u`hu cWg;gpzdh;fs;

ghuhSkd;w cWg;gpdh;fs;

ntspehl;L Ntiytha;g;G

Nkhl;lhh; thfdk;

kPs; fhg;GWjp

nghJf; fhw;GWjp

2>178>012>010.00

346>711>759

578>628>923

2>317>492>759.00

480>000>000.00

595>339>833.06

30>000>000.00

118>428>752.50

130>018>979.44

341>170>102.84

2>420>345>103.68

440>380>000.00

573>518>509.75

15>408>459.53

200>483>864.00

244>352>904.71

473>434>837.00

194>237.13

1>874>425>102.78

442>790>000.00

595>140>400.03

10>000>000.00

231>968>216.00

237>386>267.14

296>078>296.25

149>796>387.42

Agrahara & Other

30%

SRCC & TC

70%

2007 - GWP Composition

nkhj;j vOj;jpyhd fl;Lg;gz mikg;G - 2007

mf;u`huhTk;

gpwTk; 30%

Nt.f.rp.nfh.g.

epjpak; 70%


Nt.f.rp.nfh.g.

epjpak; 55%

nghJf;

fhw;GWjp 0% kPs;fhg;GWjp 11%

ghuhSkd;w

cWg;gpdh;fs; 0%

Nkhl;lhh;

thfdk; 6%

ntspehl;L

Ntiytha;g;G 5%

mf;u`huh

jpiuNrhp 13%

mf;u`huh

cWg;gpdh;fs;10%

ntspehl;L

Ntiytha;g;G 5%


Nkhl;lhh;

thfdk; 3%

kPs;fhg;GWjp 8%

ntspehl;L

Ntiytha;g;G

3%

ghuhSkd;w

cWg;gpdh;fs;

1%

mf;u`huh

cWg;gpdh;fs;

15%

mf;u`huh

jpiuNrhp 12%

Nt.f.rp.nfh.g.

epjpak; 58%


nghJf;

fhw;GWjp 4% kPs;fhg;GWjp 8%

Nkhl;lhh;

thfdk; 6%

ntspehl;L

Ntiytha;g;G 6%

ghuhSkd;w

cWg;gpdh;fs;

0%

mf;u`huh

cWg;gpdh;fs; 15%

mf;u`huh

jpiuNrhp 12%

Nt.f.rp.nfh.g.

epjpak; 49%


63

mf;u`hu fhg;GWjp

gw;wpa kPsha;T

mf;u`hu kUj;Jtf; fhg;GWjpj; jpl;lk;

vd;w ngauhy; mwpag;gLk; murhq;f

cj;jpNahfj;jh;fspd; eyNdhk;Gif

Nehf;fpy; 1997 Mk; Mz;by;

Muk;gpf;fg;gl;l kUj;Jtf; fhg;GWjpj;

jpl;lk;> njhlf;fj;jpy; gq;fspg;Gf;

fhg;GWjpj; jpl;l nkhd;whfNt jdJ

nraw;ghLfis Muk;gpj;jJ. vdpDk;>

2004 Mk; Mz;by; murhq;fj;jpdhy;

,uz;lhtJ jlitahf vLf;fg;gl;l

jPh;khdj;jpd; Nghpy; Fwpj;j fhg;GWjpj;

jpl;lk; rhh;ghf murhq;f

cj;jpNahfj;jh;fspd; khjhe;j

rk;gsj;jpypUe;J 75/- tPjk;

mwgplg;gl;lJ. ,yq;if fhg;GWjpf;

$l;Lj;jhgdk; jdpahh;kag;gLj;jg;gl;l

Ntis tiuapYk; ,f; fhg;GWjpj;

jp;l;lk; ,yq;if fhg;GWjpf;

$l;Lj;jhgdj;jpd; fPo; ,aq;fpaJ.

,yq;if fhg;GWjpf; $l;Lj;jhgdk;

jdpahh; kag;gLj;jg;gl;lJ.

mjidaLj;J> 2006 Mk; Mz;L

[dthp khjk; 01 Mk; jpfjpapypUe;J

eilKiwf;FtUkhW Nkw;nrhd;d

fhg;GWjpj; jpl;lk; murhq;fj;jpdhy;

ifNaw;fg;gl;lJld;. Njrpa fhg;GWjp

ek;gpf;ifg;nghWg;G epjpaj;jpd; fPo;

jdpahd Xh; murhq;fj; jpl;lkhf mJ

Kd;ndLf;fg;gl;lJ.

Nkw;nrhd;d jpl;lj;jpd; fPo; gpd;tUk; fhg;GWjp ed;ikfs; toq;fg;gl;ld:

1. kUj;Jtidf; fl;lzq;fs;

rhh;ghf kUj;Jt ed;ikfs;.

2. %f;Ff; fz;zhbfs;

nfhs;tdTnra;jy;.

3. kfg;NgW.

4. ‘ea Rnuf;Fk;’ fld; fhg;Gj;

jpl;lk;.

mf;u`hu fhg;GWjpj; jpl;lk; rhh;ghf 2010 Mk; Mz;bw;fhd khjhe;j ,yhgj;jd;ik gFg;gha;T gpd;tUkhW:

(100,000,000)

(50,000,000)

-

50,000,000

100,000,000

150,000,000

J F M A M J J A S O N D

RS.

MONTHS

AGRAHARA INSURANCE

PROFIT, PREMIUM & CLAIMS ANALYSIS

PREMIUM

CLAIMS

PROFIT

TREASURY

CONTRIBUTION

mf;u`hu mq;fj;jth;fspd; tUlhe;j

nkhj;j gq;fspg;gpy; rpwpJ mjpfhpg;G

Vw;gl;Ls;sij mtjhdpf;ff;

$bajhfTs;sJ. 2009 ,y; 573>518>510

&ghthff; fhzg;gl;l ,J> 2010 ,y;

,yhgk;> fl;Lg;gz> chpikf;

Nfhhpf;if gFg;gha;T


64

595>140>400 &ghthff; fhzg;gl;lJ. ,J

3.77 tPj mjpfhpg;ghFk;.

nkhj;j mf;u`hu jpiuNrhpg; gq;fspg;gpy;

rpwpjsT mjpfhpg;G Vw;gl;Ls;sJ. 2009 ,y;

440>380>000 &ghthff; fhzg;gl;l ,J 2010

442>790>000 &ghthf mjpfhpj;jJ. ,J 0.55

rjtPj mjpfhpg;ghFk;.

tUlhe;j nkhj;j mf;u`hu chpikf;

Nfhhpf;iff;fhd nrytpy; rpwpJ tPo;r;rp

fhzg;gl;lJ. 2009 ,y; 1>085>354>550

&ghthff; fhzg;gl;l ,J 2010 ,y;

1>076>706>660 &ghthf tPo;r;rp fz;lJ. ,J

0.80 rjtPj tPo;r;rpahFk;.

ghuhSkd;w mq;fj;jth;fspd; fhg;GWjpj;

jpl;l tUlhe;j nkhj;j gq;fspg;gpy; rpwpJ

tPo;r;rp fhzg;gl;lJ. 2009 ,y; 15>408>460

&ghthff; fhzg;gl;l ,J 2010 ,y;

10>000>000 &ghthff; fhzg;gl;lJ. ,J

35.10 rjtPj tPo;r;rpahFk;.


65

Nkhl;lhh; thfdf;

fhg;GWjp gw;wpa kPsha;T


epjpak; epWtg;gl;ljd; gpd; murhq;f

epWtdq;fSf;fhd thfdq;fisAk;

(fl;lhakhf) gFjpasT mur

cilikahd epWtdq;fSf;fhd

thfdq;fisAk; (tpUg;gj;jpw;Fhpa)

fhg;GWjpnra;Ak; nghUl;L Nkhl;lhh;

thfdf; fhg;GWjp jpl;lnkhd;W

mwpKfk;nra;J itf;fg;gl;lJ.


epjpaj;jpdhy; mur kw;Wk; mur

Mjpf;fKila epWtdq;fshy;

Rkf;ff;$ba fl;Lg;gzj; njhiffspd;

kPJ Nkhl;lhh; thfdq;fs; fhg;GWjp

nra;ag;gLfpwJ. ,j;Jiw Jhpjkhf

tsh;r;rpailAk; xd;nwdf;

fzpg;gplg;gl;Ls;sJ. Nkhl;lhh; thfdf;

fhg;GWjpj; jpl;lk; jw;NghJ nrhe;jj;

Njit kw;Wk; jdp egh;fSf;Fr;

nrhe;jkhd thfdq;fSk;

cs;slq;ff;$ba tpjj;jpy;

tp];jhpf;fg;gl;Ls;sJ. Njrpa fhg;GWjp

ek;gpf;ifg;nghWg;G epjpaj;jpd; %yk;

toq;fg;gLk; Nkhl;lhh; thfdf;

fhg;GWjpj; jpl;lj;jpd; Clhf ve;j xU

NtisapYk; mt;thfdj;jpw;F

vjph;Nehf;f NehpLk; mwpag;gl;l rfy

cgj;jputq;fs; rhh;ghfTk; fhg;GWjp

cj;juthjk; mspj;J thfd

chpikahsh;fSf;F cs MWjnyhd;W

mspf;fg;gLfpwJ. chpikf; Nfhhpf;iff;

nfhLg;gdTr; nrad;Kiwia

vspJgLj;Jk; nghUl;L cah; kl;l

epGzj;Jtk; tha;e;j kjpg;gPl;lhsh;

FOnthd;W ehnlq;Fk; Nrit apy;

<LgLj;jg; gl;bUg;gJld;> chpikf;

Nfhhpf;iffs; Kd;itf;fg;gLk;NghJ

Fwpj;j tprhuizfis elhj;j

mth;fshy; cld; eltbf;if

vLf;fg;gLfpwJ.

nts;sg;ngUf;F mghak;> %d;whk;

jug;G nrhj;Jf;fSf;fhd Nrjq;fs;>

jdpegh; jPBh; tpgj;J ed;ikfs;> jPh;it

thp mw;w fg;gNyw;Wiffs;> jtiz

mbg;gilapy; nrYj;Jk; mbg;gilapy;

gz;lq;fs; nfhs;tdTnra;jy;> fhw;Wg;

ig cj;juthjk;> ,Oj;Jr; nry;yy;

fl;lzq;fs;> thfd Kd; Gwf;

fz;zhb fhg;GWjp cj;juthjk;>

gapYeh; Xl;Leh; cj;juthjk;

vd;gtw;Wld; rhujp/ Jg;Guthf;Feh;/

ftdpg;ghsh;fSf;fhd Ntiyahl;fs;

el;l<L> gazpfSf;fhd rl;lKiwg;

nghWg;G> jdpegh; jpBh; tpgj;J

ed;ikfs;> [PIhp Kjypad Njrpa

fhg;GWjp ek;gpf;ifg;nghWg;G

epjpaj;jpdhy; toq;fg;gLk; Nkhl;lhh;

thfdf; fhg;GWjpj; jpl;lj;jpd; fPo;

ngw;Wf;nfhs;sf;$ba Nkyjpf fhg;GWjp

cj;juthjq;fshFk;.


66

Nkhl;lhh; thfdf; fhg;GWjpj; jpl;lk;

rhh;ghf 2010 Mk; Mz;bw;fhd khjhe;j

,yhgj;jd;ikg; gFg;gha;T gpd;tUkhW:

(20,000,000)

(10,000,000)

-

10,000,000

20,000,000

30,000,000

40,000,000

50,000,000


RS.

MONTHS

MOTOR INSURANCE


PREMIUM

CLAIMS

PROFIT

tUlhe;j nkhj;j Nkhl;lhh; thfd

fl;Lg;gz tUkhdj;jpy; ngUk;ghYk;

vt;tpj khw;wq;fSk; fhzg;gltpy;iy.

2009 ,y; 244>359>905 &ghthff;

fhzg;gl;l ,J 2010 ,y; &gh.

237>386>267 &ghntdf; fhzg;gl;lJ.

,J kpfTk; Fiwe;j 2.9 rjtPj

mjpfhpg;ghFk;.

mNjNghy;> tUlhe;j nkhj;j Nkhl;lhh;

thfd chpikf; Nfhhpf;iffSf;fhd

nrytpdj;jpy; kpfr; rpwpjsNt

mjpfhpg;Gf; fhzg;gl;lJ. 2009 ,y;

149>425>694 &ghthff; fhzg;gl;l ,J

2010 ,;y; &gh. 151>555>078 ,w;F

cah;e;jJ. ,J 1.43 rjtPj

mjpfhpg;ghFk;.

,yhgk;> fl;Lg;gzk; chpikf;

Nfhhpf;ifg; gFg;gha;T


67

kPs; fhg;GWjp gw;wpa

kPsha;T

cs;Sh; nghJf; fhg;GWjpr;

re;ijapypUe;J fl;lha kPs; fhg;GWjpg;

gq;if Vw;Wf;nfhs;s 2007 etk;gh;

khjk; 19 Me; jpfjpa> 1528/20 Mk;

,yf;f ,yq;ifr; rdehaf Nrhryprf;

Fbaurpd; mjp tpNrl th;j;jkhdg;

gj;jphpifapd; %yk; Njrpa fhg;GWjp

ek;gpf;ifg;nghWg;G epjpaj;jpw;F jj;Jtk;

mspf;fg;gl;lJ. nghJf; fhg;GWjpf;

nfhLf;fy; thq;fy;fspd; <LgLk;

xt;nthU fhg;GWjpf; fk;gdpapd; nghJf;

fhg;GWjp epfo;r;rpj;jpl;lj;jpy; (Fwpg;ghff;

Fwpg;gplg;gLk; Vw;ghLfSf;F mikthf)

fl;lkha kPs; fhg;GWjpg; gq;fhf 20

rjtPjj;ij fh;gGWjp ek;gpf;ifg;

nghWg;G epjpak; tpjpj;Jiuj;Js;sJ.

2009 Mf];l; khjk; 20 Me; jpfjpa>

1615/20 Mk; ,yf;f mjp tpNrl

th;j;jkhdg; gj;jphpifapd; gpufhuk;>

Neub nghJf; fhg;GWjpf; nfhLf;fy;

thq;fy;fspy; <LglTk; Njrpa fhg;GWjp

ek;gpf;ifg;nghWg;G epjpaj;jpw;F jj;Jtk;

mspf;fg;gl;Ls;sJ.

Nkw;nrhd;d jpfjpapy; ,Ue;J

,yq;ifapy; kPs; fhg;GWjp

tpahghuq;fspy; <LgLtjw;fhd jj;Jtk;

ngw;w xNu xU epWtdk;> Njrpa

fhg;GWjp ek;gpf;ifg;nghWg;G

epjpakhFk;. 2008 [dthp khjk; 01 Me;

jpfjpapy; ,Ue;J rfy cs;Sh;

fhg;GWjpf; fk;gdpfspd; 20% rjtPj

fl;lha kPs; fhg;GWjpg; gq;ifg;

ngw;Wf;nfhz;L Njrpa fhg;GWjp

ek;gpf;ifg;nghWg;G epjpak; kPs; fhg;GWjp

tpahgh uj;jpy; <Lgl;L tUfpwJ.

,t;thW nrayhw;Wtjd; %yk; me;epar;

nryhtzpapy; ngUk; gFjpia

ehl;bw;Fs; jLj;Jf;nfhs;s epjpak;

Jzpe;jJ. cs;Sh; kPs; fhg;GWjpjhuh;

vd;w tifapy; Njrpa fhg;GWjp

ek;gpf;ifg;nghWg;G epjpak;> 20% rjtPj

kPs; fhg;GWjp epfo;r;rpj;jpl;lk;> Nkhl;lhh;

thfdf; fhg;GWjp> nghJf;

fhg;GWjpf;fhd cyfpd; kpfg; ghhpa

kPs;fhg;GWjp juFjhuh;fshd AON

Benfield Re vd;w fk;gdpiag;

gad;gLj;jp cyfpy; cah; Gfo;g+j;j

mNefkhd kPs; fhg;GWjpjhuh;fSld;

,ize;J jkJ el;l Mgj;Jfis

epth;j;jpj;Jf; nfhz;Ls;sJ.

,jdpilNa> NtiyepWj;jq;fs;>

fyfq;fs;> rptpy; nfhe;jspg;G>

gaq;futhj epjpaj;jpw;F chpa juFf;

fl;lzk;> Willis Re vd;w fk;gdpf;F

toq;fg;gl;Ls;sJ.


epjpaj;jpd; el;l Mgj;J kPl;lspg;G

Ntiyj;jpl;lk; GIC, Best Re vDk; kPs;

fhg;GWjpf; fk;gdpapd; jiyikapy;

,lk;ngWfpwJ. nghJf; fhg;GWjpf;Fk;

Nkhl;lhh; thfdf; fhg;GWjpf;Fk;

jiyik jhq;FtJ GIC> Best Re

fk;gdpahFk;. ARK Syndicate vd;w


68

tpahghuf; $l;bd; jiyikapy;

NtiyepWj;jq;fs;> fyfq;fs;> rptpy;


,aq;FfpwJ.

kPs; fhg;GWjpj; jpl;lk; rhh;ghd 2010 Mk; Mz;bw;fhd khjhe;j chpikf; Nfhhpf;if fl;Lg;gzk;> ,yhgg; gFg;gha;T gpd;tUkhW:

(60,000,000)

(40,000,000)

(20,000,000)

-

20,000,000

40,000,000

60,000,000

80,000,000

100,000,000


RS.

MONTHS

REINSURANCE


PREMIUM

CLAIMS

PROFIT

2009 ,y; &gh. 473>434>837

&ghthftpUe;j tUlhe;j nkhj;j

kPs;fhg;GWjpf; fl;Lg;gz tUkhdk; 2010

,y; &gh. 296>078>296 &ghthff;

fhzg;gl;lJ. ,J 37.46 rjtPj

tPo;r;rpahFk;.

2009,y; &gh. 46>326>266 &ghthff;

fhzg;gl;l tUlhe;j nkhj;j

kPs;fhg;GWjp chpikf; Nfhhpf;ifr;

nrytpdk;> 2010 ,y; &gh. 202>732>501

&ghthff; fhzg;gl;lJ. ,J 337.62

rjtPj tsh;r;rpahFk;;.

kPs;fhg;GWjp> ,yhgk;> fl;Lg;gzk;

kw;Wk; Nfhhpf;iffspd; gFg;gha;T


69

NtiyepWj;jq;fs;> fyfq;fs;>

rptpy; nfhe;jspg;Gfs; kw;Wk;

gaq;futhj epjpak; gw;wpa

kPsha;T

mikr;ruitapdhy; vLf;fg;gl;l xU

jPh;khdj;jpd; tz;zk;> 1987 Mk; Mz;by;



jhgpf;fg;gl;lJ. ,yq;ifapy; chpkk;ngw;w

fhg;GWjp epWtdq;fshd epjpaj;jpd;

mq;fj;jth;fspdhYk; ntspaplg;gl;l>

,yq;ifapd; Gtpapay; vy;iyf;Fs; Ntiy

epWj;jq;fs;> fyfq;fs;> rptpy;

nfhe;jspg;Gfs;> gaq;futhju eltbf;iffs;

fhuzkhf Vw;gLk; nrhj;Jf;fSf;fhd

Nrjq;fs;> jdpegh; kuzk; / clypaw;

fhaq;fis cs;slf;Ffpd;wthW fhg;GWjpg;

gj;jpuq;fspd; Nghpy; Nkyjpf fhg;GWjp

cj;juthjq;fis toq;FtJ mjd;

Nehf;fkhf ,Ue;jJ. Njrpa fhg;GWjpf;

$l;Lj;jhgdj;jpdhy; 1987 Mk; Mz;L

Kjy; ,e;epjpak; epUtfpf;fg;gl;lJ.

2005.08.01 Me; jpfjpapy; ,Ue;J [drf;jp

fhg;GWjpf; fk;gdpaplkpUe;J chpikkhw;wk;

nra;ag;gl;l Nkw;nrhd;d jpl;lk;> epjp

jpl;lkply; mikr;rpdhy; epUtfpf;fg;glyhapw;W.

mjd; gpd;G> Njrpa fhg;GWjp

ek;gpf;ifg;nghWg;G epjpar; rl;lj;jpd; 18(,)

vDk; gphptpd; fPo; NtiyepWj;jq;fs;>


gaq;futhj epjpak; 2007 Mk; Mz;by;


epjpaj;Jf;F cs;sPh;g;Gr; nra;ag;gl;lJ.

,yq;ifapy; MAs; fhg;GWjp rhuhj

fhg;GWjpg; gj;jpuq;fis xg;GWjpnra;Ak;

rfy fhg;GWjpf; fk;gdpfSk;


nfhe;jspg;Gfs;> gaq;futhj epjpaj; jpd;

mq;fj;Jtj;ijg; ngw;wpUg;gJ fl;lhaj;

Njitnahd;whf ,Ug;gjdhy;> mjd;

jw;Nghija mq;fj;Jtj;jpy; 14 fhg;GWjpf;

fk;gdpfs; mlq;Ffpd;wd.


nfhe;jspg;Gfs;> gaq;futhj epjpaj;jpd;

Kf;fpa nraw;ghLfs; gpd;tUkhW:

• fhg;GWjpf; fk;gdpfs; Clhf fl;Lg; gzj;ijr; Nrfhpj;J epjpaj;jpw;F mDg;gp

itj;jy;.

• njhopw;ghl;Lf; FOtpd; tpjg;Giuapd; Nghpy; fhg;GWjpf; fk;gdpfspdhy;

chpikf; Nfhhpf;iff; nfhLg;gdTfis

Ak; Ntiy epWj;jq;fs;> fyfq;fs;>

rptpy; nfhe;jspg;Gfs;> gaq;futhj

epjpaj;jpd; %yk; kPs;epug;gy;nra;jy;.

• NguopTfukhd rk;gtq;fs; fhuzkhf Vw;glf;$ba chpikf;Nfhhpf;if MF

nryT mjpfhpj;Jr; nry;tijf;

Fiwf;Fk; nghUl;L ek;gj;jFe;j fld;

msTfs; nfhz;l ntspehl;L

kPs;fhg;GWjp jhuh;fSld; el;l kPs;

fhg;GWjp Ntiyj; jpl;lnkhd;iw

Muk;gpj;jy;. gaq;futhj eltbf;iffs;

fhuzkhf Nrjq;fs; Vw;gl;l

epWtdq;fSf;F toq;fg;gl;l ,y;qif

tq;fpapdhy; epUtfpf;fg;gl;l nkd;

fld;fis Kfhik nra;jy;.

• gaq;futhjj; jhf;Fjy;fs; fhuzkhf Nrjq;fs; Vw;gl;l epWtdq;fSf;F

,yq;if tq;fpapdhy; epUtfpf;fg;gl;l

nkd; fld;fis Kfhik nra;jy;.


70



Nehf;fq;fs; gpd;tUkhW:

� epjpaj;jpdhy; cs;slf;fg;gl;l Ntiy



Fwpj;j el;l Mgj;J cs;slq;ff;$ba

tifapy; ePbf;fg;gl;l fhg;GWjpg;

gj;jpuq;fs; fhuzkhf 4 Mk; ge;jpapy;

nghUs;Nfhly; nra;ag;gl;lthW

epjpaj;jpd; rfy mq;fj;jth;fSf;Fk;

fpilf;Fk; fhg;GWjpf; fl;Lg;gzq;fspy;


nfhe;jspg;Gfs;> gaq;futhj gFjpapd;

Clhf me;epjpaj;ijj; jhgpj;jy;.

� Gtpapay; vy;iyia tp];jhpg;gjw;F

Vw;ghLnra;Ak; tifapyhd nghJf;

fhg;GWjp el;l Mgj;J cs;spl;l

,yq;ifr rdehaf Nrhryprf;

Fbaurpd; Gtpapay; vy;iyf;Fs;

fhg;GWjp cj;juthjj;Jld; $bajhf

epWtg;gl;Ls;s el;l Mgj;J njhlh;ghd

fhg;GWjpg; gj;jpuj;jpy; nghUs; Nfhly;

nra;ag;gl;Ls;sthW Ntiy


nfhe;jspg;G fs;> gaq;futhj

eltbf;iffs; fhuzkhf Vw;gLk;

nrhj;J el;lq;fs;/Nrjq;fs; my;yJ

Ml;fSf;F fhak; tpistpf;Fk;

rk;gtq;fs; njhlh;gpy; ghJfhg;G

mspj;jy;.

� epjpaj;jpw;Fk; ,yq;if murhq;fj;jpw;Fk;

,lh;fhg;gpd;ikiaf; Fiwf;Fk; Nehf;fpy;

rhjfkhd kl;lj;jpy; kPs; fhg;GWjpapd;

Clhf epjpaj;ijg; ghJfhj;jy;.


nfhe;jspg;Gfs;> gaq;futhj epjpak; rhh;ghf

2010 Mk; Mz;bd; khjhe;j fl;Lg;gz>

chpikf; Nfhhpf;if ,yhgg; gFg;gha;T

gpd;tUkhW:

(2,500,000,000)

(2,000,000,000)

(1,500,000,000)

(1,000,000,000)

(500,000,000)

-

500,000,000

1,000,000,000

1,500,000,000

J F M A M J J A S O N DRS.

MONTHS

SRCC&T EXTENSION


PREMIUM

CLAIMS

PROFIT

gaq;futhj fhg;gPLfs; njhlh;gpyhd

Nfs;tpfspy; Fwpg;gplf;$basT tPo;r;rp

Vw;gl;ljd; fhuzkhf tUlhe;j nkhj;j



fl;Lg;gz tUkhdj;jpy; tPo;;r;rp Vw;gl;lJ.

2009 ,y; &gh. 2>420>345>104 vdf;fhzg;gl;l

,J 2010 ,y; 1>874>425>103 &ghthff;

fhzg;gl;lJ. ,J 22.56 rjtPj tPo;r;rpahFk;.

tUlhe;j nkhj;j Ntiy epWj;jq;fs;>


gaq;futhj epjpaj;jpd; chpikf; Nfhhpf;if

tUkhdj;jpy; tPo;;r;rp Vw;gl;lJ. 2009 ,y;

&gh. 348>788>493 vdf;fhzg;gl;l ,J 2010

,y; 303>486>061 &ghthff; fhzg;gl;lJ.

,J 13 rjtPj tPo;r;rpahFk;.

fl;Lg;gz> chpikf; Nfhhpf;if

,yhgg; gFg;gha;T

kpy;ypad;


71

nghJf; fhg;Wjp gw;wpa

kPsha;T

2009.08.20 Me; jpfjpa 1615/20 Mk; ,yf;f

th;j;jkhdg; gj;jphpif mwptpj;jy; gpufhuk;>

,f; fhg;GWjpj; jpl;lk; Njrpa fhg;GWjp

ek;gpf;ifg;nghWg;G epjpaj;jpd; fPo;

jhgpf;fg;gl;lJ.


fly; fg;gw; ruf;Ffs;> tpkhdNkw;wg;gLk;

ruf;Ffs; rhh;ghf mghaf; fhg;GWjpj;

jpl;lq;fis cUthf;fpAs;sJ. mjd; %yk;

flypYk; jiuapYk; thdpYk; my;yJ

jiuapy; my;yJ cs;Shpy; jdJ

gaztop (mka mbg;gilapy;

fsQ;rpag;gLj;jp itj;jpUj;jy; cl;gl)

gz;lq;fSf;F Vw;gLk; el;lq;fs; my;yJ

mit moptiljYf;F vjpuhf

fhg;GWj;jg;gl;lth; el;l<L toq;fg;gLthh;.

fly; mgha (fg;gy; fl;Lkhd) fhg;GWjpg;

gj;jpuj;jpdhy;> flw;fyd;fs;> FWk;

flw;fyd;fs;> JiwKf kw;Wk; Mw;W

Ch;jpfs;> rfy tpjkhd jdpg;gl;l ,d;gr;

Rw;Wyhf;ffSk; tzpfg; Nghf;Ftuj;J

tpkhdq;fSk; jdpahh; fpislh;

tpkhdq;fs;> cyq;F thD}h;jpfs;> jiu

cgfuzq;fs;> NtW Ch;jpfSf;F fhg;GWjp

cj;juthjk; mspf;fg;gLfpwJ. ,J

tpkhdj;jpw;F> tpkhdj;jpd; fl;Lkhdj;jpw;F>

mjd; ,ae;jpu cgfuzq;fSf;F NehpLk;

ngsjpf/el;l ,og;GfSf;F vjpuhf fg;gy;

chpikahsUf;F ghJfhg;G mspf;Fk; g+uz

el;l Mgj;Jg; fhg;GWjp

cj;juthjnkhd;whFk;


72


epjpaj;jpd; jP mghaf; fhg;GWjpg;

gj;jpuj;jpdhy;> tPl;L nfhjpfyd;fs; kw;Wk;

vhpthA fUtpfy mikg;Gfspd; ntbg;Gfs;

cs;gl jP kw;Wk; kpd; cgj;jputq;fspdhy;

NehpLk; el;l Nrjq;fSf;F vjpuhf fhg;GWjp

cj;juthjk; mspf;fpd;wJ. ntbg;Gfs;>

td;kkhd Nrjk; tpistpj;jy;fs;> jhf;f

Nrjq;fs;> tpkhd Nrjq;fs;> ntbj;jy;fs;>

ePh;j;jhq;fp cgfuzq;fs; my;yJ Foha;

NkTif Nghd;wtw;Wld; nts;sg;ngUf;F>

Gtp mjph;T> vhpkiy ntbg;G> #whtsp>

rz;lkhUjk;> fLk; Gay; (il/g+d;)> ,b

kpd; Gay;> nlhdhNlh Roy; fhw;W> Rdhkp>

flw;Nfhs; Nghd;w Nkyjpf

cgj;jputq;fisAk; cs;slf;Fk; nghUl;L

,J tp];jhpf;fg;glyhk;. NkYk;> mJ


nfhe;jspg;Gfs;> gaq;futhj kw;Wk;

td;kkhd Nrjk; tpistpj;jy;fSf;F

vjpuhf cj;juthjk; mspf;FkhW

tp];jhpf;fg;glyhk;.

,e;j ehdhtpj tFg;G fhg;GWjpj;

jpl;lq;fspd; fPo; jdpegh; jpBh; tpgj;Jf;

fhg;GWjp> rj;jpu rpfpr;irfs; kw;Wk;

Rfhjhuf; fhg;GWjp> gzf; fhg;GWjp>

gazg;nghjp fhg;GWjp> tPLfSf;Ff;

fd;dkply; fhg;GWjp> Ntiyahl;fs;

el;l<l;Lf; fhg;GWjp> tpahghu ,lf;

fhg;GWjp> kf;fs; nghWg;Gfs; kw;Wk;

Vida gy;NtW tFg;G fhg;GWjpf;F vjpuhf

cj;juthjk; mspf;fg;gLfpwJ.

jP mghaf; fhg;GWjpj; jpl;lj;jpw;fhd 2010

Mk; Mz;bd; khjhe;j chpikf;

Nfhhpf;iffs;> fl;Lg;gzk;> ,yhgj;jd;ikg;

gFg;gha;T gpd;tUkhW:

(500,000)

-

500,000

1,000,000

1,500,000

2,000,000


RS.

MONTHS

FIRE INSURANCE


PREMIUM

CLAIMS

PROFIT

fly; mghaf; fhg;GWjpj; jpl;lj;jpw;fhd 2010


Nfhhpf;iffs;> fl;Lg;gzk;> ,yhgj;jd;ikg;

gFg;gha;T gpd;tUkhW:

-

200,000

400,000

600,000

800,000

1,000,000

1,200,000

1,400,000

1,600,000


RS.

MONTHS

MARINE INSURANCE


PREMIUM

CLAIMS

PROFIT

kUj;Jtf; fhg;GWjpj; jpl;lj;jpw;fhd 2010

Mk; mz;bd; khjhe;j chpik Nfhhpf;if>

fl;Lg;gzk;> ,yhgj;jd;ikg; gFg;gha;T

gpd;tUkhW:

jP mghaf; fhg;Wjp ,yhgk;> fl;Lg;gzk;> chpikf; Nfhhpf;ifg;

gFg;gha;T

fly; mghaf; fhg;GWjp ,yhgk;> fl;Lg;gzk;> chpikf; Nfhhpf;if

njhlh;ghd gFg;gha;T

khjq;fs;

khjq;fs;


73

(5,000,000)

-

5,000,000

10,000,000

15,000,000

20,000,000

25,000,000

30,000,000


RS.

MONTHS

MEDICAL INSURANCE


PREMIUM

CLAIMS

PROFIT

ehdhtpj fhg;GWjpj; jpl;lj;jpw;fhd 2010


Nfhhpf;if> fl;Lg;gzk;> ,yhgj;jd;ik

njhlh;ghd gFg;gha;T.

(500,000)

-

500,000

1,000,000

1,500,000

2,000,000


RS.

MONTHS

MISCELLANIOUS INSURANCE


PREMIUM

CLAIMS

PROFIT

2009 Mk; Mz;bd; ,Wjpg; gFjpapy;

nghJf; fhg;GWjpj; jpl;l tpahghuk;

Muk;gpf;fg;gl;ljd; gpd;dh;> 2009 ,y; &gh.

194>237 (xf;Nlhgh; - brk;gh; 2009) Mff;

fhzg;gl;l nkhj;j tUlhe;j nghJf;

fhg;GWjp fl;Lg;gz tUkhdk;> 149>769>387

&ghthf tsh;r;rp fz;lJ. 2009 ,y; &gh.

3>850 (xf;Nlhgh; - brk;gh; 2009) Mff;

fhzg;gl;l nkhj;j tUlhe;j

nghJf;fhg;GWjp chpikf; Nfhhpf;if

nrytpdk; &gh. 10.598>492 vd ghhpa

mstpy; tsh;r;rp fz;lJ.

kUj;Jtf; fhg;GWjp ,yhgk;> fl;Lg;gzk;> chpikf; Nfhhpf;if

njhlh;ghd gFg;gha;T

khjq;fs;

khjq;fs;


74

ntspehl;L Ntiytha;g;Gf;

fhg;GWjp gw;wpa kPsha;T

Njrpa fhg;GWjp ek;gpf;ifg;nghWg;G epjpak;>

,yq;if ntspehl;L Ntiytha;g;Gg;

gzpafj;Jld; nra;J nfhz;l Xh;

xg;ge;jj;jpd; gpufhuk;> 2008 [_d; khjj;jpy;

,e;j ntspehl;L Ntiytha;g;Gf; fhg;GWjpj;

jpl;lk; jhgpf;fg;gl;lJ. Njrpa fhg;GWjp

ek;gpf;ifg;nghWg;G epjpaj;jplkpUe;J

fhg;GWjp cj;juthjk; ngw;W ntspehl;L

Ntiytha;g;Gfis ehb ,yq;ifapypUe;J

Gwg;gLk; 18 – 65 taJf;F ,ilg;gl;l

,yq;ifah;fSf;F ,jd; %yk; fhg;GWjp

cj;juthjk; mspf;fg;gLfpd;wJ. ,uz;L

Mz;L fhy xg;ge;jj;jpw;F &.800+tw; thpAk;

%d;W Mz;L fhy xg;ge;jj;jpw;F &.850+tw;

thpAk; mwtplg;gLfpwJ.


epjpaj;jplkpUe;J fhg;GWjpf; fhg;gPLfisg;

ngw;Wf; nfhz;L ,yq;ifapypUe;J

ntspehl;L Ntiytha;g;gpw;fhf Gyk;

ngah;fpd;w 18-65 tajpw;Fl;gl;l

,yq;ifah;fis jd;dfj;Nj

cs;slf;fpajhf> “tpNj\ nuf;fpah”

(ntspehl;L Ntiytha;g;G) vd;w

ntspehl;L Ntiytha;g;Gf; fhg;Wjpj; jpl;lk;

fhzg;gLfpd;wJ. ,th;fs;

Nj.fh.e.epjpaj;jplkpUe;J fhg;GWjpf;

fhg;gPLfisg; ngw;wjd; gpd;dNu ntspehL

nry;fpd;wdh;.


jpl;lj;jpd; fPo; 2010 Mk; Mz;L rhh;ghf

khjhe;j fl;Lg;gz> chpikf;Nfhhpf;if>

,yhgg; gFg;gha;T gpd;tUkhW:

-

5,000,000

10,000,000

15,000,000

20,000,000

25,000,000


RS.

MONTHS

FOREIGN EMPLOYMENT INSURANCE

PROFIT,PREMIUM & CLAIMS ANALYSIS

PREMIUM

CLAIMS

PROFIT

,e;j ntspehl;L Ntiytha;g;Gf; fhg;GWjpj;

jpl;lj;jpd; fPo;> gpd;tUk; ed;ikfisg;

ngw;Wf;nfhs;s KbAk

ntspehl;L Ntiytha;g;gpy; <Lgl;LtUk;

NghJ ahNjDk; xU fhuzj;jhy;

,e;ehl;bw;Fj; jpUg;G mDg;gg;gLjy;>

kuzkiljy;> ,yq;if jpUk;gp %d;W khj

fhyj;Js; kuzkiljy;> xg;ge;j

fhyg;gFjpapy; Fzg;gLj;j Kbahj

ntspehl;L Ntiytha;g;Gf; fhg;GWjp ,yhgk;> fl;Lg;gzk;> chpikf; Nfhhpf;if

njhlh;ghd gFg;gha;T

khjq;fs;


75

Neha;fSf;F my;yJ jpBh; tpgj;Jf;F

Mshjy; fhuzkhf kuzkiljy;> xg;ge;j

fhyg;gFjpapy;> Nritapy;

<Lgl;LtUk;NghJ clypay; ,ayhikf;F

cl;gly;> xg;ge;j fhyg;gFjpapy; Ntiyapy;

<Lgl;LtUk;NghJ gFjpastpy;/Kw;whf

clypay; ,ayhikf;F cl;gly;> FLk;g

cWg;gpdh;fs; rhh;ghf fhg;GWjp

cj;juthjk;> xg;ge;j fhyg;gFjpapy;

ntspehLfspy; njhopy;GhpAk;NghJ Kw;whf

jw;fhypf clypay; ,ayhikf;F cl;gly;.

xg;ge;j fhyg;gFjpapy; gFjp mstpy;

jw;fhypf clypay; ,ayhikf;F

cs;shjy;. Gw;WNeha;> ,iug;ig mow;rp

Neha; (Gastritis)> ePhpopT vDk; rh;f;fiu

tpahjp (Diabetic) Kjypatw;Wf;F tpNrl

fhg;GWjp cj;juthjk; ngw;Wf;nfhs;s

KbAk;.

nkhj;j tUlhe;j ntspehl;L

Ntiytha;g;Gf; fhg;GWjp fl;Lg;gz

tUkhdk;> 2009 Mk; Mz;by; 200>483>864

&ghthf ,Ue;jJld;> 2010 Mk; Mz;by;

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For the year ended December 31,

2010 2009 2008 2007 2006

Revenue

Net Earned Premium Income 3,926,469,856 4,019,486,220 3,427,950,662 2,654,902,681 318,902,642

Benefits, Losses and Expenses

Insurance claims and benefits (2,292,072,983) (2,075,936,806) (1,736,355,732) (1,423,044,038) (242,465,993)

1,634,396,873 1,943,549,415 1,691,594,930 1,231,858,643 76,436,649

Other Revenue - - -

Investment Income 798,117,037 1,364,459,074 1,205,463,441 528,264,787

Interest on Soft Loans 16,982,331 15,125,027 19,424,829 38,713,576

Other income 1,006,353 471,787 917,841

816,105,721 1,380,055,889 1,225,806,111 1,798,837,006 76,436,649

Expenditure - - -

Staff related costs 42,326,032 33,124,615 21,470,147 11,500,953 1,333,806

Administration Expenses 45,136,006 49,246,381 28,264,346 14,142,950 1,508,940

Finance & Other expenses 32,425,697 38,401,103 5,380,035 3,385,205 138,170

Total expenditure 119,887,735 120,772,099 55,114,528 29,029,109 2,980,916

Income over expenditure 2,330,614,859 3,202,833,204 2,862,286,514 1,769,807,897 73,455,733



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2010 2009 2008 2007 2006

Assets

Non-current assets

Property, plant and equipment 36,096,011 43,603,504 44,659,781 25,240,465 1,461,388

Investments 5,574,107,464 8,550,206,721 7,749,178,616 5,449,343,240 -

5,610,203,475 8,593,810,225 7,793,838,397 5,474,583,705 1,461,388

Current assets

Receivables 1,945,815,895 2,079,570,419 1,988,501,988 2,221,955,826 511,844,970

Cash and cash equivalents 3,594,104,553 110,173,003 239,795,258 560,259,122 13,357,202

5,539,920,448 2,189,743,421 2,228,297,246 2,782,214,948 525,202,172

Total assets 11,150,123,923 10,783,553,646 10,022,135,643 8,256,798,653 526,663,560

Equity and liability

Equity

Accumulated Fund 9,695,467,155 9,364,852,783 8,412,019,580 6,583,508,929 94,102,009

9,695,467,155 9,364,852,783 8,412,019,580 6,583,508,929 94,102,009

Technical Reserves

Unearned Premium 821,564,804 1,046,825,276 1,063,317,772 877,695,727

Deferred Commission (139,745,300) (200,139,536) (206,999,340) (161,317,228)

681,819,505 846,685,740 856,318,432 716,378,499 -

Liability

Non-Current Liabilities

Government grant 284,330 719,190 719,190 719,190 719,190

Profit Commission payable 12,287,375 63,762,150 113,635,474 83,722,067

12,571,705 64,481,340 114,354,664 84,441,257 719,190

Current Liabilities

Claim Payable 518,000,207 329,499,921 333,321,632 602,777,397

Other payables 242,265,350 178,033,863 306,121,335 269,692,571 431,842,361

760,265,557 507,533,784 639,442,967 872,469,968 431,842,361

Total equity and liability 11,150,123,923 10,783,553,647 10,022,135,643 8,256,798,653 526,663,560

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