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(2007.11) (Unit : million won, %)
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Classification

'07.11

'07.4~
07.11

Increase
Amount

Increase
Amount

Direct premiums written

392,428

53,691

3,060,122

462,772

Net premiums earned

355,938

46,699

2,775,511

419,697

Expense

285,921

28,025

2,183,180

237,413

(Expense ratio)

(80.3)

¡â3.1

(78.7)

¡â3.9

Incurred losses

128,922

9,695

948,320

35,906

o Net claims paid

119,348

3,118

900,010

71,654

o Increse in catastrophe reserve

9,574

6,577

48,310

¡â35,747

Maturity & Cancellation refunds

83,014

10,751

639,563

54,708

Increase in reserve for long-term policies

74,090

7,640

595,777

147,070

Net operating expense

76,172

13,748

573,118

80,166

(Operating expense ratio)

(21.4)

1.2

(20.6)

¡â0.3

Catastrophe reserves

2,980

250

23,848

2,849

Underwrting income

¡â9,135

4,677

¡â4,635

99,269

Investment income

33,967

11,896

264,614

95,286

Total operating income

24,833

16,573

259,980

194,555

Non-operating income & expense /Extra ordinary income & loss

¡â1,120

99

¡â8,841

¡â2,028

Net income

17,307

12,203

182,736

138,194

Adjusted net income

20,287

12,453

206,584

141,043