EFU LIFE Presentation
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Transcript of EFU LIFE Presentation
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GROUP MEMBERS
Waqas Saeed
Mi10bba025
Zawar Afzal Khan
Mi10bba023
Shehroz Amjad
Mi10bba009
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INTRODUCTION & HISTORY
Incorporated in 1932 in Calcutta
First complete Muslim organization
Financed by : Ghulam Muhammed
Sir Agha Khan
Nawab of Bhopal (Amin-ud-din)
1947 head office Karachi
Credit rating of AA- by PACRA & JCR-VIS
Reinsurer is Munich-reof Germany
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PREMIUM
Gross Premium
13.17 Billion
Net Premium
12.80 Billion
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PREMIUMS
PremiumProtection
Sum
Assured
Investment Cash Value
Cash Value = Premium Invested + Profit
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CLAIMS
Total Gross Claims
3.03 Billion
Total Net Claims
2.63 Billion
Total Claims Paid
1.083 Billion
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PROFITABILITY
Profit Before Tax Profit After Tax
1.4 Billion 914 Million
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UNIT LINKING SYSTEM
Whole Investment is put in a pool and then
divided into small units and units are allotted
to the policy holders according to their plan
Price of each unit fluctuates according to the
investments conditions
The whole investment in this pool increased
from 23.60 Billions in 2011 to 32.23 Billions in
2012. A GROWTH OF 36.8%
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UNIT LINKED FUNDS
Company manages four Unit linked funds
Rate of Return
Managed Growth Fund 17.48% Capital Growth Fund 18.42%
Aitemad Growth Fund 16.87%
Guaranteed Growth Fund 10.09%
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INVESTMENTS IN SECTORS
Investment
34.72 Billions
Government Securities
Shares & Mutual Funds
Fixed Income Securities
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INVESTMENT TRENDS
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GOVERNMENT SECURITIES
Investment in Gov.t Securities
In 2011 16.68 Billions
In 2012 25.17 Billions
3 Months Treasury Bills
6 Months Treasury Bills
10 Years PIB
5 Years PIB
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FIXED INCOME SECURITIES
Investment in Fixed Income Securities
In 2011 3.80 BillionsIn 2012 3.30 Billions
Term Finance Certificates
United Bank Limited
NIB Bank Limited
Allied Bank Limited
Askari commercial Bank
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SHARES & MUTUAL FUNDS
Investment in Shares and Mutual Funds
In 2011 4.64 Billions
In 2012 6.24 BillionsEFU has shares of more than 165 companies
Most shares of EFU General
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RETURN ON INVESTMENTS
Return on overall investment
90 Million
Government Securities
57.8 Million
Fixed Income Securities &
Deposits 8.3 Million
Dividend Income
24.3 Million
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FINANCIAL STRENGTHS
1 Billion Highest Paid up Capital in the Private LifeInsurance sector
37.9 Billion Strong Asset base
32.3 Billion Highest NAV of all Unit linked funds
914 Million Profit after tax 58% Growth in Profit after tax
10.75 Earnings per share
55% Cash Dividend for the year
17.64% Bonus Shares for the year 2.1 Billion Shareholders Equity
43.65% Return on Equity
1 Billion Total Claims paid
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CONCLUSION
Company follows a unique investment
procedure called Unit Linking System.
Company face a significant growth in 2012.
EFU Life invests in various sectors but major
sectors are Gov.t securities, fixed income
securities and Stocks.
EFU Life is playing a vital role in the
development of insurance sector in Pakistan.
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RECOMMENDATIONS
EFU Life should also invest in Property sector.
EFU is a leading insurance company in private
sector life insurance business therefore it has
a role to play in social development.
The company should also invest in public
awareness campaigns for the development of
insurance sector in Pakistan.
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