EUROASIA INSURANCE: 2025 Year Results and Outlook for Uzbekistan's Insurance Market

On December 19 of the current year, an extended meeting of the Supervisory Board and the Management Board was held to review the results of 2025 and discuss the Company's plans for 2026.

Digital Transformation and Technological Achievements

In 2025, the Company implemented the new Granite platform, which integrates an online insurance sales marketplace, an upgraded database, ERP and CRM systems, electronic document management, financial accounting and analytics modules, as well as the official website https://eai.uz and a mobile application.

The digitalization through a unified platform enabled the Company to deploy advanced marketing tools, expand its insurance product range, ensure fast and convenient integration with partners, and apply video recording and geolocation technologies for issuing insurance policies and processing claims in real time. These improvements became possible thanks to the consistent implementation of the development strategy, which we detailed in our article about strengthening capitalization and expanding international integration.

Financial Results for 2025

According to operational data, the Company's achievements for 2025 are as follows: 

• - Insurance income — UZS 6.24 billion (≈ USD 520 thousand). 

• - Reinsurance income — UZS 262.10 billion (≈ USD 21.84 million). 

• - Insurance loss ratio — 15%. 

• - Reinsurance loss ratio — 10%. 

• - Insurance reserves — UZS 168.82 billion (≈ USD 14.06 million).

• - Total assets — UZS 628.35 billion (≈ USD 52.36 million). 

• - Liquid assets — UZS 168.82 billion (≈ USD 14.06 million). 

• - Solvency margin — ≈ 3.86. 

• - ROE — 20.6%. 

• - Capital (Solvency II) — UZS 393.0 billion (≈ USD 32.75 million).

As a result, insurance premium volumes increased by more than 3.2 times, while net profit grew by 5.8 times. In addition, based on the results of the first three quarters of 2025, dividends were declared for preferred shareholders in the amount of UZS 15.30 billion (≈ USD 1.27 million), equivalent to UZS 950 per share.

Service Quality and International Recognition

The Company's strong financial performance is backed by international recognition of service quality. In October 2025, EUROASIA INSURANCE received ISO 9001:2015 certification, confirming that its quality management system meets international standards and is focused on customer satisfaction.

Outlook for 2026

The Company has set ambitious goals for the coming year: 

• - Insurance income — UZS 30.00 billion (≈ USD 2.5 million). 

• - Reinsurance income — UZS 914.14 billion (≈ USD 76.17 million).

• - Insurance loss ratio — 50%. 

• - Reinsurance loss ratio — 30%. 

• - Insurance reserves — UZS 420.00 billion (≈ USD 35.00 million). 

• - Total assets — UZS 1.2 trillion (≈ USD 100.00 million). 

• - Liquid assets — UZS 420.00 billion (≈ USD 35.00 million). 

• - Capital (Solvency II) — UZS 600.0 billion (≈ USD 50.00 million).

These indicators reflect a strategy of sustainable growth and strengthening EUROASIA INSURANCE's position as one of the leading insurance operators in the Uzbekistan market.