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<a href=" http://www.vision-ar.com/mediablog/large-unsecured-personal-loans/ ">loan programs for low income</a> HLGC's gross written premiums (GWPs) grew substantially to ZAR24.8m in the financial year ended 30 June 2013 (FYE13) from ZAR13.5m in FYE12 benefitting from increased business volumes taken on from First National Bank and ABSA Bank. Fitch views positively that HLGC also was able to report a strong and improved surplus of ZAR8.1m (FYE12: ZAR2.9m) benefitting also from stronger investment income and reductions in operating expenses. HLGC's expense base continues to be relatively high although expenses continued to decrease in 2013 in absolute terms as well as in relation to premium levels.
