1

(Company History in Brief) .................................................................... 2

Hd (Business model of the company) .............................................................. 2

(Present crisis of MBSL Insurance) ............................................................. 3

(How to come out from the present situation) ............................ 5

H (Present Financial Position) ........................................................................ 6

(Analyses) ............................................................................................................................. 7

% (Cost Reduction Methodologies) ............................................................. 12

(Estimated Profit Target) ............................................................................... 13

(VSCP) Hd % (BDP) ....................... 14

%d (Capital Repayment Plan) ......................... 23

(Claims and Expenses Management) .............................................. 24

(Time Plan) ....................................................................................................................... 25

(Road map to the Success of BDP) ............................................................... 26

2

(Company History in Brief)

2005

2006 ABC . ABC

(MBSL) 2009 MBSL

. .

84.12%

. (BoC).

74.49% .

MBSL

62.66% % . MBSL

% . ( 1 )

Hd (Business model of the company)

. H

Hd .

. ,

H .

.

H . ,

, , .

.

.

-

3

(Present crisis of MBSL Insurance)

;

. .

2008 -85.22 -85.22

2009 -66.35 -66.35

2010 9.98 4.46

2011 7.16 3.91

2012 11.60 8.17

2013 -170.79 -170.79

2014 -42.85 -42.85

2015 -100.57 -108.87

2016 -220.53 -231.18

%: MBSLI

8

3 , 2010, 2011 2012 .

. 4.46, 3.91 8.17 .

2016 ;

1. m%d (Serious Capital Loss).

2. (IBSL) m% m%d

(Segregation) .

3. (IBSL) m% MBSL

(Solvency Margin) .

, 2013

H

.

2017 19 ,

.

.

Hd Hd - .

4

2016

MBSL d

2016 . 2017 d

l%s

.

d

d

.

. 10,000 -

5

(How to come out from the present situation)

;

1.

i.

( )

ii. %

2.

MBSL

;

1. % ;

i.

ii. Hd

iii.

-

6

H (Present Financial Position)

;

. / .

2012 1,272 8.17

2013 1,420 -170.79

2014 1,262 -42.85

2015 1,398 -108.87

2016 1,245 -231.18

2012 2016 /

. % . (

2 )

%d

.

( )* 500

( )* 500

200

1,200

* %:

-

7

(Analyses)

.

% ;

1. SWOT TOWS

2. PESTEL

% % - %

8

SWOT

1. (

)

2. %

3.

4.

5.

6. H

%

1.

i. Hd (business portfolio)

ii. Hd ( ,

, )

iii. %

iv. ( H

, H , )

v.

vi.

vii.

viii.

ix. Hd (business portfolio)

x.

xi. (

, , , Hd )

xii. %

2.

3. %d

( )

4. %

5.

6. % s %

7.

8. (

)

1. (

)

Hd %

2. Hd

3.

Hd (penetration)

4.

1.

2. %

3.

4.

- %

9

TOWS

, ,

;

.

. .

% (damage controlling methods)

Hd %

.

.

.

.

. ,

.

.

Hd . H - %e

10

PESTEL

Hd ;

-

% . Hd

. Hd % .

, % Hd . ,

.

- H .

Hd Hd

.

- .

.

.

% .

( , , ) H

.

-

% , , .

%d % s Hd

.

- . . H %

.

. . ,

. .

- .

. , Hd

.

Hd . - %e

11

1. Hd

,

Hd .

2. % Hd %

. , MBSL

%

. , % %

% .

3. , %d .

. . - %e

12

% (Cost Reduction Methodologies)

;

1. Hd ( Hd

)

2.

3. Hd (business portfolio) (

)

4. H (

.

, )

5. ( ,

% , , )

6. ( %

% )

7. ( LED

. ,

% )

8. % ( ) ( %

. )

9. ( % )

10. ( H

)

%

H %

;

1.

2. H

3. H ( A4 % s )

4.

5. /

6. %

, . - %e

13

(Estimated Profit Target)

%

( 1 2 );

/

.

.

%

. .

%

2015 23,974 3,439 14% 26,378 2,759 10%

2016 27,614 12,741 46% 31,144 4,388 14%

%: IBSL, SLIC, Ceylinco 2016

, 10% %

. ,

2016 46% .

H % 10%

. ( )

. - %e

14

(VSCP) Hd % (BDP)

Hd

. ;

MBSL -2009 2015

MBSL

.

.

. - %e

CompanyLife GWP

LKR.MnCompany

General GWP

LKR.MnCompany

Combined GWP

LKR.Mn

1 Ceylinco 73,536 1 SLIC 79,294 1 Ceylinco 146,000

2 SLIC 51,828 2 Ceylinco 72,464 2 SLIC 131,122

3 Eagle/Aviva/AIA 49,322 3 Janashakthi 39,639 3 Eagle/Aviva/AIA 67,298

4 UAL 34,247 4 UAL 30,760 4 UAL 65,007

5 Asian Alliance 15,524 5 NITF 21,528 5 Janashakthi 53,554

6 Janashakthi 13,914 6 Eagle/Aviva/AIA 17,976 6 HNB 24,143

7 HNB 12,006 7 Peoples 15,936 7 Asian Alliance 23,238

8 Allianz 3,761 8 Allianz 13,241 8 NITF 21,528

9 Amana Takaful 3,266 9 HNB 12,137 9 Allianz 17,003

10 LOLC 2,234 10 Continental 8,455 10 Peoples 15,936

11 Co-op 2,198 11 Amana Takaful 8,061 11 Amana Takaful 11,328

12 LIC 2,162 12 Asian Alliance 7,713 12 Co-op 9,820

13 ALMAOL/SAICL/Sanasa 1,323 13 Co-op 7,623 13 LOLC 9,672

14 PAL/ABC/MBSL 1,231 14 LOLC 7,438 14 Continental 8,455

15 Arpico 1,090 15 PAL/ABC/MBSL 5,678 15 PAL/ABC/MBSL 6,909

16 NICL - 16 HAIGICL/AIG 4,830 16 HAIGICL/AIG 4,830

17 HAIGICL/AIG - 17 ALMAOL/SAICL/Sanasa 1,987 17 ALMAOL/SAICL/Sanasa 3,310

18 Ceylinco Takaful - 18 Orient 1,903 18 LIC 2,162

19 Continental - 19 Ceylinco Takaful 28 19 Orient 1,903

20 Peoples - 20 NICL - 20 Arpico 1,090

21 Orient - 21 LIC - 21 Ceylinco Takaful 28

22 NITF - 22 Arpico - 22 NICL -

15

Hd %

% Hd % ;

1. Hd ( )

2.

(1) Hd (

)

2015 2016

H Hd .

. 447 .

/

.

H .

MBSL BoC MBSL BoC

2015 - 38.09 167.96 42.40 248.46

2016 - 57.96 114.23 26.60 198.79

0.00 96.05 282.19 69.01 447.25

Hd

H Hd .

.

% s . H , , ,

.

Hd

.

Hd . , %

.

;

. . - %e

16

i.

ii. % iii.

iv.

v.

vi.

vii.

viii.

ix.

x.

xi.

xii.

.

, ( )

.

.

/

MBSL BoC MBSLI %

.

.

.

.

.

.

MBSL BoC

2015 8,646.84 - - 476,174.56 4,540.43 38.09 - 0.95%

2016 11,096.82 - - 620,747.79 7,081.04 57.96 - 1.14%

19,743.66 0.00 0.00 1,096,922.34 11,621.47 96.05

%: MBSL, BoC 2016

Hd 2015, 2016

Hd

;

H .

MBSLI H % 1%

.

48.02 1.05 45.74

;

% .

10% 457

20% 915

30% 1,372

40% 1,829

50% 2,287

60% 2,744

70% 3,202

80% 3,659

Hd , , - %e

17

H Hd

H .

, , % s . 2015,

2016 H Hd

Hd % .

/

MBSL BoC MBSLI %

.

.

MBSL BoC

2015 167.96 42.40 50% 2%

2016 114.23 26.60

Total 282.19 69.01

;

H .

H % 1% .

H MBSL 141.1 50% 2.822

H BoC 34.5 2% 17.25

;

%

MBSL .

BoC .

.

10% 28 173 201

20% 56 345 401

30% 85 518 603

40% 113 690 803

50% 141 863 1004

60% 169 1,035 1204

70% 198 1,208 1406

80% 226 1,380 1606

' ' ' ' - %e

18

(2) (VSCP)

Hd ,

Hd % s ;

2017 ;

351 100 451

1 - H

2 - Hd

3 - .

.

233 44 277

71 34 105

36 12 48

11 10 21

351 100 451

4 - %d /

Hd

.

Hd ;

- 5 ( H .2,500/-)

H - 2 ( H .15,000/-)

* H H .

.

% % s - %e

19

Hd + H Hd

. - %e

277

105

48

21

(

2 )

Hd

Hd

20

5 - % s

( )

H

.

.

.

. .

277 1,385 2,500 3,462,500 554 15,000 8,310,000 11,772,500

105 525 2,500 1,312,500 210 15,000 3,150,000 4,462,500

48 240 2,500 600,000 96 15,000 1,440,000 2,040,000

21 105 2,500 262,500 42 15,000 630,000 892,500

. 451 2,255

5,637,500 902

13,530,000 19,167,500

, Hd

H . .

68 162

% . % -

%e

: 2017

:

1,939

. 11.78

735

. 4.46

336

. 2.04

147

. 0.89

21

:

, % Hd

.

. , Hd

H .

. , Hd

.

Hd (

)

.

.

H H .

Hd . - %e

22

Hd

Hd

Hd ( H ) .

;

%

.

.

10% 888 89

20% 1546 155

30% 2205 221

40% 2862 286

50% 3521 352

60% 4178 418

70% 4838 484

80% 5495 550

:

.

10% % .

, Hd

.

Hd

.

H -

23

%d (Capital Repayment Plan)

, %d

% .

;

.

%d 1,200 (10% ) 120

1,320

( %d Hd )

;

30% Hd %

Hd . 221 (

)

8

. 165

, %d ;

.

1 165

2 165

3 165

4 165

5 165

6 165

7 165

8 165

1,320

, ,

%d

.

:

H H ,

%d . -

(break-even) . H .

, %d

.

-

24

(Claims and Expenses Management)

.

% ;

%

.

, Hd %

H H .

:

i. H H ( %d

)

ii. H Hd ( )

iii.

iv. H ( , )

:

i.

ii.

% H H .

Hd

.

H -

25

(Time Plan)

Hd ;

% s

1 Hd 2017

2 (VSCP)

Hd % (BDP)

3

4

5

6

7

8

-

26

(Road map to the Success of BDP)

1. % s , , %

( % H H )

2. Hd ( )

3. % %

( )

4.

5. MBSL

6. Hd Hd

% ( Hd

)

7. %

8. % % Hd

( )

9. 5 Hd .

Hd ( :

, : % , H % , % ,

%d % , % ). Hd

10. %

11.

12. H ( %

)

13. %

14. 11 %s ,

. -

27

Hd

H .

%

. ,

Hd

.

...

...!!!

- MBSL

. -