efu life presentation

8/13/2019 EFU LIFE Presentation

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GROUP MEMBERS

Waqas Saeed

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Zawar Afzal Khan

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Shehroz Amjad

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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


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 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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efu life presentation

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