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COMPARISON OF AIA PERFORMANCE FROM 2016 UNTIL 2018

1.Profitability Ratios FORMULA AIA 2016 AIA 2017 AIA 2018 (RM’000)

(RM’000) (RM’000)
Return on Asset 897,608 812,470 923,537
48,379,601 50,873,931 51,217,468
= 1.86% = 1.60% =1.80%

R Return on Equity 897,608 812,470 923,537
4,773,278 4,773,708 4,786,671
= 18.80% = 17.02% =19.29%

2. Liquidity Ratio FORMULA AIA 2016 (RM’000) AIA 2017 (RM’000) AIA 2018(RM’000)
Debt to Equity 43,606,323 46,100,223 46,430,797

Ratio 4,773,278 4,773,708 4,786,671
= 9.14 = 9.66 =9.70

3. Asset Quality FORMULA AIA 2016 AIA 2017 AIA 2018
Ratio (RM’000) (RM’000) (RM’000)

Asset Quality 4,773,278 4,773,708 4,786,671
48,397,601 50,873,931 51,217,468

= 9.87% = 9.38% =9.35%

4. Underwriting FORMULA AIA 2016 AIA 2017 AIA 2018
Ratio (RM’000) (RM’000) (RM’000)

Expenses Ratio 41,724 766,260 886,127
= + 100
+ 814,078 100 + 845,880 × 100 + 870,412 × 100

/7,857,840 /7,598,129 /8,616,712
= 35.18% = 21.22% = 20.39%
LOSS = 100 6,951,050 8,034,476 7,024,978
100 7,598,129 100 8,616,712 100
RATIO 7,857,840
= 88.46% = 105.74% = 81.53%

COMBINED RATIO Expenses Ratio + Loss 35.18% + 88.46% 21.22% + 20.39% +
Ratio = 123.64% 105.74% 81.53%

= 126.96% = 101.92%

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