HungKuk Ssang Yong Fire & Marine Insur. (000540)   STOCK (Unit : %, Times) Fiscal Year End 2004. 3.31 2005. 3.31 2006. 3.31 2007. 3.31 2008. 3.31 Net Income to Total Assets - 0.67  0.60  - 2.46  - 8.03  - 6.87  Ordinary Income to Total Assets 0.18  0.60  - 1.82  - 8.03  - 6.87  Net Income to Equity - 8.82  7.19  - 22.94  - 73.29  - 73.29  Income on Working Assets Ratio 9.33  10.36  10.05  8.02  1.61  Incurred Loss to Earned Premiums 52.51  51.81  48.52  54.14  32.87  Premium earned to premium paid 86.24  86.52  90.37  86.21  131.83  Equity to Total Assets 7.78  8.87  12.53  9.35  1.27  Loss reserves to Working Assets 30.75  31.37  27.39  27.93  18.40  Management Assets Ratio 81.47  80.82  82.28  77.70  68.00  Total Assets Turn over 0.93  0.89  0.93  0.92  1.11  Equity turn over 12.37  10.71  8.62  8.43  22.10  Total Assets Growth 1.91  - 3.25  5.27  - 2.07  14.42  Management Assets Growth 4.38  - 4.03  7.18  - 7.52  0.14  Earned Premium Growth 0.50  - 11.57  6.33  - 0.25  41.26  Direct Premium written Growth  -   -  - 100.00   -  38.40  (Unit : Million Won) Fiscal Year End 2004. 3.31 2005. 3.31 2006. 3.31 2007. 3.31 2008. 3.31 No. of Employees 1,142  1,176  1,115  617  -  Earned Premium 524  450  505  910  -      Net Income - 5  5  - 22  - 135  -      Salaries/Compensations 43  46  49  73  -      Primary Premium -  610  -  1,175  -