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Insurance

RICL Reliance Insurance Company Limited

Latest results: FY2025 · Dec 2025 Q2 FY2026 · Apr – Jun 2026

Last close · 16 Oct 2026

Rs 11.51 -1.79%

Annual · FY2016 – FY2025

Reliance Insurance Company Limited (RICL) balance sheet

At the end of FY2025 (Jan – Dec 2025) Reliance Insurance Company Limited had total assets of Rs 3.8 bn, up 29.5% on FY2024. Shareholders' equity was Rs 2.1 bn (Rs 15.95 per share), 54.6% of total assets.

RICL balance sheet (annual) (Rs mn)
Rs mn FY2025 Jan – Dec 2025 FY2024 * Jan – Dec 2024 FY2023 Jan – Dec 2023 FY2022 Jan – Dec 2022 FY2021 Jan – Dec 2021 FY2020 * Jan – Dec 2020 FY2019 Jan – Dec 2019 FY2018 Jan – Dec 2018 FY2017 Jan – Dec 2017 FY2016 Jan – Dec 2016
Assets
Cash & cash equivalents 138.4 102.2 108.6 101.8 93.7 111.3 131.2 144.4 160.2 120.2
Investments 1,699.6 1,313.7 952.6 794.0 837.9 813.5 777.3 711.1 704.2 778.4
Premium receivables 731.4 642.4 537.2 386.7 304.3 231.8 198.9 222.3 207.8 168.7
Reinsurance assets 201.6 271.6 176.4 152.5 178.7 181.5 112.4 165.5 167.3 536.6
Total assets 3,814.1 2,945.0 2,312.5 1,888.9 1,847.7 1,714.0 1,595.5 1,658.7 1,791.1 1,811.5
Liabilities
Insurance reserves 895.7 866.7 709.6 559.4 550.1 523.7 480.1 588.1 739.4 782.6
Unearned premiums 628.1 523.2 479.5 370.8 337.2 300.2 326.8 377.9 529.8 562.1
Total liabilities 1,730.8 1,372.6 1,090.1 828.6 799.6 716.3 662.0 802.7 992.2 948.0
Equity
Equity attributable to shareholders 2,083.2 1,572.4 1,222.4 1,060.3 1,048.1 997.6 933.5 855.9 798.9 863.5
Total equity 2,083.2 1,572.4 1,222.4 1,060.3 1,048.1 997.6 933.5 855.9 798.9 863.5
Total liabilities & equity 3,814.1 2,945.0 2,312.5 1,888.9 1,847.7 1,714.0 1,595.5 1,658.7 1,791.1 1,811.5
Key figures
Shares outstanding mn 130.6 130.6 130.6 130.6 130.6 121.5 121.5 121.5 121.5 110.5
Common equity 2,083.2 1,572.4 1,222.4 1,060.3 1,048.1 997.6 933.5 855.9 798.9 863.5
Book value per share (Rs) Rs 15.95 12.04 9.36 8.12 8.02 8.21 7.68 7.04 6.58 7.82
RICL balance sheet — year-on-year change (Rs mn)
Rs mn FY2025 Jan – Dec 2025 FY2024 * Jan – Dec 2024 FY2023 Jan – Dec 2023 FY2022 Jan – Dec 2022 FY2021 Jan – Dec 2021 FY2020 * Jan – Dec 2020 FY2019 Jan – Dec 2019 FY2018 Jan – Dec 2018 FY2017 Jan – Dec 2017 FY2016 Jan – Dec 2016
Assets
Cash & cash equivalents +35.4% -5.8% +6.6% +8.7% -15.8% -15.2% -9.1% -9.9% +33.2% —
Investments +29.4% +37.9% +20.0% -5.2% +3.0% +4.7% +9.3% +1.0% -9.5% —
Premium receivables +13.9% +19.6% +38.9% +27.1% +31.3% +16.5% -10.5% +7.0% +23.2% —
Reinsurance assets -25.8% +54.0% +15.7% -14.7% -1.6% +61.5% -32.1% -1.1% -68.8% —
Total assets +29.5% +27.4% +22.4% +2.2% +7.8% +7.4% -3.8% -7.4% -1.1% —
Liabilities
Insurance reserves +3.3% +22.1% +26.9% +1.7% +5.0% +9.1% -18.4% -20.5% -5.5% —
Unearned premiums +20.1% +9.1% +29.3% +10.0% +12.3% -8.1% -13.5% -28.7% -5.7% —
Total liabilities +26.1% +25.9% +31.6% +3.6% +11.6% +8.2% -17.5% -19.1% +4.7% —
Equity
Equity attributable to shareholders +32.5% +28.6% +15.3% +1.2% +5.1% +6.9% +9.1% +7.1% -7.5% —
Total equity +32.5% +28.6% +15.3% +1.2% +5.1% +6.9% +9.1% +7.1% -7.5% —
Total liabilities & equity +29.5% +27.4% +22.4% +2.2% +7.8% +7.4% -3.8% -7.4% -1.1% —
Key figures
Shares outstanding — — — — — — — — — —
Common equity +32.5% +28.6% +15.3% +1.2% +5.1% +6.9% +9.1% +7.1% -7.5% —
Book value per share (Rs) +32.5% +28.6% +15.3% +1.2% -2.3% +6.9% +9.1% +7.1% -15.9% —

Change against the previous fiscal year; shown when the earlier figure is positive.

RICL balance sheet — common size (Rs mn)
Rs mn FY2025 Jan – Dec 2025 FY2024 * Jan – Dec 2024 FY2023 Jan – Dec 2023 FY2022 Jan – Dec 2022 FY2021 Jan – Dec 2021 FY2020 * Jan – Dec 2020 FY2019 Jan – Dec 2019 FY2018 Jan – Dec 2018 FY2017 Jan – Dec 2017 FY2016 Jan – Dec 2016
Assets
Cash & cash equivalents 3.6% 3.5% 4.7% 5.4% 5.1% 6.5% 8.2% 8.7% 8.9% 6.6%
Investments 44.6% 44.6% 41.2% 42.0% 45.4% 47.5% 48.7% 42.9% 39.3% 43.0%
Premium receivables 19.2% 21.8% 23.2% 20.5% 16.5% 13.5% 12.5% 13.4% 11.6% 9.3%
Reinsurance assets 5.3% 9.2% 7.6% 8.1% 9.7% 10.6% 7.0% 10.0% 9.3% 29.6%
Total assets 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0%
Liabilities
Insurance reserves 23.5% 29.4% 30.7% 29.6% 29.8% 30.6% 30.1% 35.5% 41.3% 43.2%
Unearned premiums 16.5% 17.8% 20.7% 19.6% 18.2% 17.5% 20.5% 22.8% 29.6% 31.0%
Total liabilities 45.4% 46.6% 47.1% 43.9% 43.3% 41.8% 41.5% 48.4% 55.4% 52.3%
Equity
Equity attributable to shareholders 54.6% 53.4% 52.9% 56.1% 56.7% 58.2% 58.5% 51.6% 44.6% 47.7%
Total equity 54.6% 53.4% 52.9% 56.1% 56.7% 58.2% 58.5% 51.6% 44.6% 47.7%
Total liabilities & equity 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0%
Key figures
Common equity 54.6% 53.4% 52.9% 56.1% 56.7% 58.2% 58.5% 51.6% 44.6% 47.7%

Each line as a percentage of total assets.

Figures in Pakistani rupees as reported by the company; costs and cash outflows in brackets; "—" = not reported. * Figures in this period do not fully reconcile in the source data (hover the * for details). Updated 16 Oct 2026.

All reported line items 86
RICL balance sheet — all reported line items (Rs mn)
Rs mn FY2025 Jan – Dec 2025 FY2024 Jan – Dec 2024 FY2023 Jan – Dec 2023 FY2022 Jan – Dec 2022 FY2021 Jan – Dec 2021 FY2020 Jan – Dec 2020 FY2019 Jan – Dec 2019 FY2018 Jan – Dec 2018 FY2017 Jan – Dec 2017 FY2016 Jan – Dec 2016
Cash & Cash Equivalents 138.4 102.2 108.6 101.8 93.7 111.3 131.2 144.4 160.2 120.2
Receivables - Total 735.0 646.9 542.3 390.9 319.0 238.3 202.2 224.5 211.0 171.4
Insurance Premium Receivables 731.4 642.4 537.2 386.7 304.3 231.8 198.9 222.3 207.8 168.7
Receivables - Other 3.5 4.6 5.1 4.2 14.7 6.6 3.3 2.2 3.2 2.7
Investments including Loans - Total 1,699.6 1,313.7 952.6 794.0 837.9 813.5 777.3 711.1 704.2 778.4
Investment Securities - Available for Sale, Held to Maturity & Held for Trading - Total 1,654.9 1,270.2 910.0 751.4 799.4 775.4 747.2 685.0 677.5 538.1
Investment Securities - Fixed Income 103.7 70.1 70.1 70.1 70.1 60.0 60.0 45.1 70.2 —
Investment Securities - Equity 1,551.2 1,200.1 839.9 681.3 729.3 715.4 687.1 639.9 607.3 419.0
Investment Securities - Other — — — — — — — — — 119.0
Investments - Other - Total 44.7 43.5 42.6 42.6 38.6 38.1 30.2 26.1 26.7 240.3
Property, Plant & Equipment - Net - Total 145.2 104.8 87.2 72.7 73.4 70.2 83.0 92.9 81.0 87.1
Reinsurance Assets 201.6 271.6 176.4 152.5 178.7 181.5 112.4 165.5 167.3 536.6
Reinsurance Recoverable - In Insurance Provisions 201.6 271.6 176.4 152.5 178.7 181.5 112.4 165.5 167.3 536.6
Reinsurance Recoverable - Outstanding Claims 201.6 271.6 176.4 152.5 178.7 181.5 112.4 165.5 167.3 172.1
Other Assets - Total 894.3 505.8 445.5 377.0 344.9 299.1 289.3 320.3 467.4 117.7
Reinsurance Recoverable - Other — — — — — — — — — 364.5
Deferred Charges 119.5 94.8 95.3 74.4 64.6 56.0 63.0 65.9 60.9 61.3
Deferred Tax - Asset - Long-Term & Short-Term — — 0.0 20.4 7.0 2.5 0.0 4.3 2.3 —
Accrued Investment Income — — — — — — — — — 1.4
Prepaid Expenses - Total 254.1 228.2 194.3 155.1 165.2 139.8 134.8 173.2 339.2 1.7
Other Assets 520.7 182.7 155.9 127.0 108.2 100.7 91.5 76.9 64.9 53.3
Intangible Assets - Total - Net — 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0
Total Assets 3,814.1 2,945.0 2,312.5 1,888.9 1,847.7 1,714.0 1,595.5 1,658.7 1,791.1 1,811.5
Insurance Reserves - Total 895.7 866.7 709.6 559.4 550.1 523.7 480.1 588.1 739.4 782.6
Unearned Premiums - Gross 628.1 523.2 479.5 370.8 337.2 300.2 326.8 377.9 529.8 562.1
Policy & Contract Claims - Gross 267.6 343.5 230.2 188.5 213.0 223.5 153.3 210.2 209.6 220.5
Dividends Payable 6.1 6.8 — — — — — — — 1.7
Deferred Tax & Investment Tax Credits - Long-Term 157.6 126.5 30.1 — — 0.0 4.4 0.0 0.0 —
Deferred Tax - Liability - Long-Term 157.6 126.5 30.1 — — 0.0 4.4 0.0 0.0 —
Payables & Accrued Expenses 181.3 272.0 292.7 235.1 227.9 171.5 146.7 187.6 222.7 151.2
Trade Account Payables - Total 101.2 79.9 76.1 48.3 32.4 24.2 23.8 72.6 84.1 76.0
Accrued Expenses — — — — — — — — — 3.8
Payable - Reinsurance & Brokers/Agents 80.1 192.2 216.6 186.8 195.5 147.2 122.9 114.9 138.6 71.4
Other Liabilities - Total 490.1 100.6 57.6 34.2 21.6 21.1 30.8 27.1 30.1 12.5
Other Liabilities - 490.1 100.6 57.6 34.2 21.6 21.1 30.8 27.1 30.1 12.5
Total Liabilities 1,730.8 1,372.6 1,090.1 828.6 799.6 716.3 662.0 802.7 992.2 948.0
Shareholders' Equity - Attributable to Parent Shareholders - Total 2,083.2 1,572.4 1,222.4 1,060.3 1,048.1 997.6 933.5 855.9 798.9 863.5
Common Equity Attributable to Parent Shareholders 2,083.2 1,572.4 1,222.4 1,060.3 1,048.1 997.6 933.5 855.9 798.9 863.5
Common Equity - Contributed 1,004.7 665.4 665.4 633.7 603.5 561.4 561.4 561.4 561.4 510.4
Common Stock - Issued & Paid 1,004.7 665.4 665.4 633.7 603.5 561.4 561.4 561.4 561.4 510.4
Equity - Non-Contributed - Reserves & Retained Earnings 1,078.5 907.1 557.0 426.6 444.5 436.2 372.1 294.5 237.5 353.2
Retained Earnings - Total 495.9 370.4 225.0 136.5 172.8 181.9 113.4 42.2 (6.8) 220.0
Comprehensive Income - Accumulated - Total 182.6 136.7 22.0 0.0 1.8 4.4 8.8 2.4 (5.6) —
Investments - Unrealized Gain/Loss 182.6 136.7 22.0 0.0 1.8 4.4 8.8 2.4 (5.6) —
Other Reserves/Equity - Total 400.0 400.0 310.0 290.0 270.0 250.0 250.0 250.0 250.0 133.2
Common Equity - Total 2,083.2 1,572.4 1,222.4 1,060.3 1,048.1 997.6 933.5 855.9 798.9 863.5
Total Shareholders' Equity - including Minority Interest & Hybrid Debt 2,083.2 1,572.4 1,222.4 1,060.3 1,048.1 997.6 933.5 855.9 798.9 863.5
Total Liabilities & Equity 3,814.1 2,945.0 2,312.5 1,888.9 1,847.7 1,714.0 1,595.5 1,658.7 1,791.1 1,811.5
Common Shares - Issued - Total mn 130.6 130.6 130.6 130.6 130.6 121.5 121.5 121.5 121.5 110.5
Common Shares - Outstanding - Total mn 130.6 130.6 130.6 130.6 130.6 121.5 121.5 121.5 121.5 110.5
Common Shares - Treasury - Total mn 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0
Common Shares - Authorized - Issue Specific mn 195.0 196.3 196.3 154.6 — — — — — —
Common Shares - Issued - Issue Specific mn 130.6 130.6 130.6 130.6 130.6 121.5 121.5 121.5 121.5 110.5
Common Shares - Outstanding - Issue Specific mn 130.6 130.6 130.6 130.6 130.6 121.5 121.5 121.5 121.5 110.5
Common Shares - Treasury - Issue Specific mn 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0
Asset Allocation Factor - Issue Specific 1.00× 1.00× 1.00× 1.00× 1.00× 1.00× 1.00× 1.00× 1.00× 1.00×
Net Debt (138.4) (102.2) (108.6) (101.8) (93.7) (111.3) (131.2) (144.4) (160.2) (120.2)
Asset Accruals (138.4) (102.2) (108.6) (101.8) (93.7) (111.3) (131.2) (144.4) (160.2) (120.2)
Cash & Cash Equivalents - Total 138.4 102.2 108.6 101.8 93.7 111.3 131.2 144.4 160.2 120.2
Cash & Securities 1,699.6 1,313.7 952.6 794.0 837.9 813.5 777.3 711.1 704.2 778.4
Cash & Short Term Investments - Total 138.4 102.2 108.6 101.8 93.7 111.3 131.2 144.4 160.2 120.2
Earning Assets 1,699.6 1,313.7 952.6 794.0 837.9 813.5 777.3 711.1 704.2 778.4
Equity Securities & Real Estate 1,551.2 1,200.1 839.9 681.3 729.3 715.4 687.1 639.9 607.3 419.0
Invested Assets - Total 1,699.6 1,313.7 952.6 794.0 837.9 813.5 777.3 711.1 704.2 778.4
Investment Securities 1,654.9 1,270.2 910.0 751.4 799.4 775.4 747.2 685.0 677.5 538.1
Net Book Capital 1,944.8 1,470.2 1,113.9 958.5 954.4 886.3 802.3 711.6 638.7 743.3
Net Operating Assets 1,944.8 1,470.2 1,113.9 958.5 954.4 886.3 802.3 711.6 638.7 743.3
Non-Reserve Liabilities 835.1 505.9 380.5 269.2 249.5 192.6 181.8 214.7 252.8 165.4
Provisions - Total 157.6 126.5 30.1 — — 0.0 4.4 0.0 0.0 —
Shareholders Equity - Common 2,083.2 1,572.4 1,222.4 1,060.3 1,048.1 997.6 933.5 855.9 798.9 863.5
Tangible Total Equity 2,083.2 1,572.4 1,222.4 1,060.3 1,048.1 997.6 933.5 855.9 798.9 863.5
Tangible Book Value 2,083.2 1,572.4 1,222.4 1,060.3 1,048.1 997.6 933.5 855.9 798.9 863.5
Total Book Capital 2,083.2 1,572.4 1,222.4 1,060.3 1,048.1 997.6 933.5 855.9 798.9 863.5
Total Capital 2,083.2 1,572.4 1,222.4 1,060.3 1,048.1 997.6 933.5 855.9 798.9 863.5
Total Long Term Capital 2,083.2 1,572.4 1,222.4 1,060.3 1,048.1 997.6 933.5 855.9 798.9 863.5
Book Value excluding Other Equity 1,683.2 1,172.4 912.4 770.3 778.1 747.6 683.5 605.9 548.9 730.4
Cash & Short Term Investments - Net of Debt 138.4 102.2 108.6 101.8 93.7 111.3 131.2 144.4 160.2 120.2
Net Debt Including Preferred Equity & Minority Interest (138.4) (102.2) (108.6) (101.8) (93.7) (111.3) (131.2) (144.4) (160.2) (120.2)
Other Short-Term & Long-Term Assets - Total 894.3 505.8 445.5 377.0 344.9 299.1 289.3 320.3 467.4 117.7
Other Short-Term & Long-Term Liabilities - Total 490.1 100.6 57.6 34.2 21.6 21.1 30.8 27.1 30.1 12.5
Tangible Book Value excluding Other Equity 1,683.2 1,172.4 912.4 770.3 778.1 747.6 683.5 605.9 548.9 730.4
Investment in Equity, Real Estate & Mortgages 1,551.2 1,200.1 839.9 681.3 729.3 715.4 687.1 639.9 607.3 419.0
Book Value excluding Accumulated Comprehensive Income 1,900.7 1,435.7 1,200.4 1,060.2 1,046.3 993.3 924.8 853.6 804.6 —
Benefit & Claims Reserves - Gross 267.6 343.5 230.2 188.5 213.0 223.5 153.3 210.2 209.6 220.5
Reinsurance Liabilities 80.1 192.2 216.6 186.8 195.5 147.2 122.9 114.9 138.6 71.4
Cash in Hand & with Banks - Total 138.4 102.2 108.6 101.8 93.7 111.3 131.2 144.4 160.2 119.8

Every line the company reported, in the original order and wording, without regrouping or signs changed. Latest 10 periods; the table above goes back further.