Crystal Insurance PLC (DSE:CRYSTALINS)

Crystal Insurance Balance Sheet

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Investments in Debt Securities	188.7	119.21	60	50	30	25
Investments in Equity & Preferred Securities	84.89	117.45	199.09	214.59	216.21	115.44
Other Investments	50	50	50	-	-	-
Total Investments	348.61	313.3	337.89	295.54	279.31	175.7
Cash & Equivalents	46.2	38.83	31.21	1,027	817.14	793.97
Reinsurance Recoverable	160.53	151.53	138.2	126.5	113.6	101.89
Other Receivables	80.43	56.48	14.77	13.14	16.54	15.89
Property, Plant & Equipment	252.95	274	278.21	298.48	310.37	323.81
Restricted Cash	1,041	1,046	1,006	-	-	-
Other Current Assets	149.53	103.06	76.26	63.56	48.22	27.55
Long-Term Deferred Tax Assets	1.61	-	-	-	-	-
Long-Term Deferred Charges	-	-	-	-	-	2.03
Other Long-Term Assets	76.8	76.06	25.03	13.97	13.32	13.47
Total Assets	2,158	2,060	1,907	1,838	1,598	1,454
Accrued Expenses	46.95	51.53	50.98	52.94	35.04	47.04
Insurance & Annuity Liabilities	236.99	227.36	192.5	192.87	158.54	156.67
Unpaid Claims	148.62	131.98	119.81	152.34	67.56	33.82
Unearned Premiums	74.35	96.44	117.83	156.22	142.85	161.55
Reinsurance Payable	264.01	269.6	275.66	214.03	194.56	144.88
Current Income Taxes Payable	162.04	125.51	85.42	71.29	64.67	48.64
Long-Term Leases	19.16	20.66	18.61	11.68	9.28	8.16
Long-Term Deferred Tax Liabilities	-	0.35	1.8	4.68	5.3	6.18
Other Current Liabilities	9.87	5.03	8.74	8.29	7.53	7.03
Other Long-Term Liabilities	-	1.65	1.44	1.27	1.27	1.27
Total Liabilities	961.99	930.11	872.81	865.62	686.61	615.24
Common Stock	440	440	400	400	400	400
Retained Earnings	794.27	730.49	660.85	578.98	510.02	436.85
Comprehensive Income & Other	-38.54	-41	-26.24	-6.54	1.87	2.22
Shareholders' Equity	1,196	1,129	1,035	972.43	911.89	839.07
Total Liabilities & Equity	2,158	2,060	1,907	1,838	1,598	1,454
Filing Date Shares Outstanding	44	44	44	44	44	44
Total Common Shares Outstanding	44	44	44	44	44	44
Total Debt	19.16	20.66	18.61	11.68	9.28	8.16
Net Cash (Debt)	27.04	18.17	12.6	1,015	807.86	785.81
Net Cash Growth	-27.94%	44.24%	-98.76%	25.66%	2.80%	56.50%
Net Cash Per Share	0.61	0.41	0.29	23.07	18.36	17.86
Book Value Per Share	27.18	25.67	23.51	22.10	20.72	19.07
Tangible Book Value	1,196	1,129	1,035	972.43	911.89	839.07
Tangible Book Value Per Share	27.18	25.67	23.51	22.10	20.72	19.07
Land	51.87	51.87	51.87	51.87	51.87	51.87
Machinery	192.89	189.63	164.52	161.53	138.04	116.35

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