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	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Investments in Debt Securities	173.54	119.21	60	50	30	25
Investments in Equity & Preferred Securities	82.24	117.45	199.09	214.59	216.21	115.44
Other Investments	50	50	50	-	-	-
Total Investments	331.34	313.3	337.89	295.54	279.31	175.7
Cash & Equivalents	38.59	38.83	31.21	1,027	817.14	793.97
Reinsurance Recoverable	157.73	151.53	138.2	126.5	113.6	101.89
Other Receivables	200.43	56.48	14.77	13.14	16.54	15.89
Property, Plant & Equipment	261.51	274	278.21	298.48	310.37	323.81
Restricted Cash	1,039	1,046	1,006	-	-	-
Other Current Assets	-	103.06	76.26	63.56	48.22	27.55
Long-Term Deferred Tax Assets	0.99	-	-	-	-	-
Long-Term Deferred Charges	-	-	-	-	-	2.03
Other Long-Term Assets	77.42	76.06	25.03	13.97	13.32	13.47
Total Assets	2,107	2,060	1,907	1,838	1,598	1,454
Accrued Expenses	50.81	51.53	50.98	52.94	35.04	47.04
Insurance & Annuity Liabilities	238.27	227.36	192.5	192.87	158.54	156.67
Unpaid Claims	137.63	131.98	119.81	152.34	67.56	33.82
Unearned Premiums	83.69	96.44	117.83	156.22	142.85	161.55
Reinsurance Payable	261.43	269.6	275.66	214.03	194.56	144.88
Current Income Taxes Payable	150.08	125.51	85.42	71.29	64.67	48.64
Long-Term Leases	20.72	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	9.83	5.03	8.74	8.29	7.53	7.03
Other Long-Term Liabilities	-0	1.65	1.44	1.27	1.27	1.27
Total Liabilities	952.46	930.11	872.81	865.62	686.61	615.24
Common Stock	440	440	400	400	400	400
Retained Earnings	756.08	730.49	660.85	578.98	510.02	436.85
Comprehensive Income & Other	-41.18	-41	-26.24	-6.54	1.87	2.22
Shareholders' Equity	1,155	1,129	1,035	972.43	911.89	839.07
Total Liabilities & Equity	2,107	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	20.72	20.66	18.61	11.68	9.28	8.16
Net Cash (Debt)	17.87	18.17	12.6	1,015	807.86	785.81
Net Cash Growth	3.66%	44.24%	-98.76%	25.66%	2.80%	56.50%
Net Cash Per Share	0.41	0.41	0.29	23.07	18.36	17.86
Book Value Per Share	26.25	25.67	23.51	22.10	20.72	19.07
Tangible Book Value	1,155	1,129	1,035	972.43	911.89	839.07
Tangible Book Value Per Share	26.25	25.67	23.51	22.10	20.72	19.07
Land	51.87	51.87	51.87	51.87	51.87	51.87
Machinery	191.52	189.63	164.52	161.53	138.04	116.35

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