Crystal Insurance Balance Sheet

Financials in millions BDT. Fiscal year is January - December.

Millions BDT. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Investments in Debt Securities	-	119.21	60	50	30
Investments in Equity & Preferred Securities	42.91	117.45	199.09	214.59	216.21
Other Investments	304.62	50	50	-	-
Total Investments	372.02	313.3	337.89	295.54	279.31
Cash & Equivalents	39.99	38.83	31.21	1,027	817.14
Reinsurance Recoverable	164.19	151.53	138.2	126.5	113.6
Other Receivables	260.68	56.48	14.77	13.14	16.54
Property, Plant & Equipment	250.65	274	278.21	298.48	310.37
Restricted Cash	1,064	1,046	1,006	-	-
Other Current Assets	-	103.06	76.26	63.56	48.22
Long-Term Deferred Tax Assets	1.64	-	-	-	-
Other Long-Term Assets	76.93	76.06	25.03	13.97	13.32
Total Assets	2,230	2,060	1,907	1,838	1,598
Accrued Expenses	8.98	51.53	50.98	52.94	35.04
Insurance & Annuity Liabilities	287.54	227.36	192.5	192.87	158.54
Unpaid Claims	172.61	131.98	119.81	152.34	67.56
Unearned Premiums	55.27	96.44	117.83	156.22	142.85
Reinsurance Payable	255.91	269.6	275.66	214.03	194.56
Current Income Taxes Payable	-	125.51	85.42	71.29	64.67
Long-Term Leases	17.57	20.66	18.61	11.68	9.28
Long-Term Deferred Tax Liabilities	-	0.35	1.8	4.68	5.3
Other Current Liabilities	0.62	5.03	8.74	8.29	7.53
Other Long-Term Liabilities	214.9	1.65	1.44	1.27	1.27
Total Liabilities	1,013	930.11	872.81	865.62	686.61
Common Stock	440	440	400	400	400
Retained Earnings	824.65	730.49	660.85	578.98	510.02
Comprehensive Income & Other	-48.18	-41	-26.24	-6.54	1.87
Shareholders' Equity	1,216	1,129	1,035	972.43	911.89
Total Liabilities & Equity	2,230	2,060	1,907	1,838	1,598
Filing Date Shares Outstanding	44	44	44	44	44
Total Common Shares Outstanding	44	44	44	44	44
Total Debt	17.57	20.66	18.61	11.68	9.28
Net Cash (Debt)	22.41	18.17	12.6	1,015	807.86
Net Cash Growth	23.34%	44.24%	-98.76%	25.66%	2.80%
Net Cash Per Share	0.51	0.41	0.29	23.07	18.36
Book Value Per Share	27.65	25.67	23.51	22.10	20.72
Tangible Book Value	1,216	1,129	1,035	972.43	911.89
Tangible Book Value Per Share	27.65	25.67	23.51	22.10	20.72
Land	-	51.87	51.87	51.87	51.87
Machinery	-	189.63	164.52	161.53	138.04

Source: S&P Global Market Intelligence. Insurance template. Financial Sources.