PSX:RICL Balance Sheet

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

Millions PKR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Investments in Debt Securities	103.3	0.08	0.09	5.1	5.11	-
Investments in Equity & Preferred Securities	787.61	736.48	585.69	423.65	365.36	363.16
Other Investments	44.63	43.51	42.63	42.59	38.57	38.14
Total Investments	1,755	1,359	981.91	813.77	835.64	774.71
Cash & Equivalents	207.33	111.71	121.93	113.96	123.33	181.22
Reinsurance Recoverable	294.78	533.8	384.39	164.06	182.65	182.23
Other Receivables	843.03	657.13	561.92	402.28	311.73	239.29
Property, Plant & Equipment	129.79	104.76	87.16	72.74	73.4	70.21
Other Current Assets	305.61	2.65	2.09	156.01	175.62	140.87
Long-Term Deferred Tax Assets	-	-	-	20.41	6.96	2.54
Long-Term Deferred Charges	141.29	105.69	103.12	80.63	70.84	59.77
Other Long-Term Assets	-	70	70	65	67.54	63.14
Total Assets	3,677	2,945	2,313	1,889	1,848	1,714
Accrued Expenses	30.48	27.65	21.64	14.36	9.37	9.89
Insurance & Annuity Liabilities	115.45	0.01	0	-	-	-
Unpaid Claims	324.83	343.52	230.15	188.53	212.98	223.49
Unearned Premiums	657.76	523.18	479.46	370.84	337.15	300.24
Reinsurance Payable	109.15	192.16	216.6	186.79	195.48	147.24
Current Income Taxes Payable	94.43	59.12	23.9	8.92	1.09	4.64
Long-Term Deferred Tax Liabilities	235.57	126.49	30.16	-	0.02	-
Other Current Liabilities	6.07	6.85	4.53	3.42	2.17	2.17
Other Long-Term Liabilities	95.08	69.79	62.47	40.21	26.68	18.6
Total Liabilities	1,705	1,373	1,090	828.6	799.63	716.34
Common Stock	1,005	665.38	665.38	633.69	603.52	561.41
Retained Earnings	780.53	770.36	535.05	426.52	442.76	431.86
Comprehensive Income & Other	187.49	136.69	21.99	0.05	1.78	4.36
Shareholders' Equity	1,973	1,572	1,222	1,060	1,048	997.63
Total Liabilities & Equity	3,677	2,945	2,313	1,889	1,848	1,714
Filing Date Shares Outstanding	100.47	100.47	100.47	100.47	100.47	100.47
Total Common Shares Outstanding	100.47	100.47	100.47	100.47	100.47	100.47
Net Cash (Debt)	207.33	111.71	121.93	113.96	123.33	181.22
Net Cash Growth	42.54%	-8.38%	6.99%	-7.60%	-31.94%	-4.86%
Net Cash Per Share	2.06	1.11	1.21	1.13	1.23	1.80
Book Value Per Share	19.63	15.65	12.17	10.55	10.43	9.93
Tangible Book Value	1,973	1,572	1,222	1,060	1,048	997.63
Tangible Book Value Per Share	19.63	15.65	12.17	10.55	10.43	9.93
Land	-	30.22	30.22	25.81	30.22	30.22
Machinery	-	211.4	196.47	102.21	173.08	169.87
Construction In Progress	-	10.9	-	-	-	-

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