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Nazish Khalid
PRESENTERS
Enduring Value
Inspiring Excellence
EFU GENERAL INSURANCE LTD.
•Formed in 1932
•Located in Karachi
•Deals in non-life insurance business
•Run by professional management &
highly motivated field force.
• Shares quoted in KSE & LSE
•Rating -- AA
Introduction of EFU
To be the first choice company for its
customers, shareholders &
employees
Vision
•To manage its affairs through modern
technology, collective wisdom &
institutional leadership.
•To be a respected, cultured & an educated
company with a strong market position.
•To achieve world class quality standards
through continuous quality improvement.
•To achieve zero defects in everything they
do.
Mission
•Property (fire & engineering)
•Marine, Aviation & Transport
•Motor
•Miscellaneous
Product Portfolio
•Engro Corporation Ltd
•United Bank Ltd
•Askari Bank Ltd
•Agritech Ltd
•Jahangir Siddiqui & Co. Ltd
•Allied Bank Ltd
•Pakistan Mobile Communication Ltd
•New Allied Electronic Ltd
•Financial Receivable Securitization Co. Ltd
•Pak Electronic Limited
•Government Securities
Investment Portfolio
•Personal visits
•Assurance of better services
•Assurance of claim sttlement
Customers
•Rates are different for different
customers
•Rates per customer are defined by
head office
Strategies
•Very high
•Competitors rates are low, merit is
low
Competition
Current share price
Rs 87.50
Share Price
As on December 31, 2011
Rs 4.49
As on September 30, 2012
Rs 10.54
Earning Per Share
•Profit is earned on yearly basis
•Profit as on December 31, 2011
Rs 560,948
9.01%
Profit
Total Assets
7%
52%
38%
3%
Assests - 2011
Cash & Bank Deposits
Investment & Property
Other Assets (including reinsurance recoveries)
Fixed Assets
Rs 24,378,038
Equity & Liabilities
41%
59%
2011Equity
Liability
Rs 24,378,038
Gross Premium
53%
18%
21%
8%
2011
Fire & Property
Marine, Aviation & Transport
Motor
Others
Net Premium Revenue
32%
21%
42%
5%
2011
Fire & Property
Marine, Aviation & Transport
Motor
Others
Analysis of Income
51%
49%
2011
Underwriting Profit
Investment & Other Income
Cash Flow Analysis
32%
28%
19%
2011
Operating Activities
Investing Activities
Financing Activities
•People do not want to invest
•Terrorism has resulted into loss
•Increase in prices has directly effect
on rates
Effect of Economy
•Interest Rate Risk
•Investment Risk
State Bank Policies
EFU maintains its finances
efficiently and effectively but the
economic instability has affected the
profit of business
Conclusion
EFU General Insurance LTD. (Financial Analysis)
EFU General Insurance LTD. (Financial Analysis)

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EFU General Insurance LTD. (Financial Analysis)

Editor's Notes

  1. EFU is one of the few Pakistani organizations run totally by professional management and highly motivated field force.