Data analysis

Universal Insurance Company Limited
Introduction
We are in the business of providing a full range of non-life insurance products and
services customized to meet the varied needs of a wide spectrum of business and
industrial clients as well as individuals, providing Property, Marine/Aviation, Motor
and other Miscellaneous products. The most important aspect of our operation is that
we have created a separate Risk Management Team and an Engineering Group who
work closely with clients to identify various risk exposures and then provide specific
insurance. This helps in loss prevention and reducing the cost of premium. Our
market-driven team of inspired and technically qualified insurance personnel,
specializing in civil, mechanical, metallurgy, electronics and having overseas
linkages, is on-call for necessary professional advice at all times. It is our policy not
only to provide protection and risk reduction but help clients develop preventive
capabilities to avert major perils and calamities.
VISION STATEMENT
We, at Universal Insurance Company Limited recognize the importance of satisfying
our customers by consistently providing quality insurance service in accordance with
their needs and expectations. We strive to be competent partner of our customers
against insured perils.
MISSION STATEMENT
We strive to provide our customers cost effective insurance cover by continually
increasing the productivity of our employees. To increase productivity, we conduct
regular training programs during which employees are assessed and allocated a career
path in accordance with their performance.
We diligently follow the applicable laws and ensure strict compliance by conducting
regular internal audits and educating our employees about the law.
We try to improve our services by continually assessing our systems and procedures
bases on customers and team feedback. We strive to maintain a customer focused
approach by ensuring that our service is delivered to the customer on time, according
to the customer required specifications and within our stipulated cost.
SERVICES
• Motor Insurance
• Marine Insurance
• Fire Insurance
Data analysis

• Miscellaneous Insurance
• Travel Insurance
• Claim Settlement Procedure
Historical Prices
Date open High Low Close Volume Change
May 30 2017 12.03 12.03 12.03 12.03 500 -0.98
May 29 2017 13.5 13.5 13.01 13.01 2,000 -0.59
May 26 2017 13.6 13.6 13.6 13.6 500 -0.89
May 25 2017 14.49 14.49 14.49 14.49 27,500 -1
May 24 2017 14.5 15.49 14.5 15.49 1,500 -0.01
May 23 2017 14.3 15.6 14.3 15.5 9,500 0.65
May 19 2017 15.8 15.9 13.95 14.85 6,000 -0.05
May 18 2017 14 14.9 14 14.9 5,500 -0.05
May 11 2017 14.1 14.95 14 14.95 8,000 0
May 9 2017 14.1 14.95 14.1 14.95 3,500 0
May 4 2017 14 14.95 14 14.95 3,000 -0.04
May 3 2017 14 14.99 14 14.99 2,000 -0.01
May 2 2017 14.54 15 14.54 15 15,000 -0.54
Apr 27 2017 15 15.54 15 15.54 24500 0.99
Apr 26 2017 14.55 14.55 14.55 14.55 500 0.25
Apr 24 2017 13.81 14.3 13.66 14.3 36,000 -0.36
Apr 21 2017 0 14.66 14.66 14.66 500 0
Apr 20 2017 15.6 15.6 14.55 14.66 2,500 -0.22
Apr 19 2017 14.98 15 14 14.88 33000 0.88
Apr 18 2017 14 14.7 14 14 53,000 0.3
Apr 17 2017 13.7 13.7 13.7 13.7 500 0.52
Apr 14 2017 13.2 14.1 13.11 13.18 10,000 -0.92
Apr 13 2017 14.25 14.25 13.4 14.1 12,000 -0.24
Apr 12 2017 14.34 14.34 14.34 14.34 500 0.44
Apr 11 2017 13.69 14.5 13.69 13.9 4,500 0.26
Apr 10 2017 13.83 13.91 13.64 13.64 15,000 -1
Apr 7 2017 15.64 15.64 14.25 14.64 6,000 -0.05
Apr 6 2017 12.73 14.69 12.73 14.69 5,500 0.98
Apr 5 2017 13.77 14.71 13.71 13.71 7,500 -1
Apr 4 2017 16 16 14.71 14.71 33,000 -1
Apr 3 2017 15.8 15.8 15.71 15.71 6,000 -1
Mar 31 2017 15.99 17 15.99 16.71 3,500 -0.28
Mar 29 2017 16.51 16.99 16.45 16.99 1,500 -0.46
Mar 28 2017 16 17.45 16 17.45 5,000 0.47
Mar 27 2017 16 16.98 15.75 16.98 7,000 0.81
Mar 24 2017 15.5 16.79 15.5 16.17 9,500 0.11
Mar 22 2017 16.1 16.99 16.01 16.06 8,500 -0.48
Mar 21 2017 15.55 16.75 15.5 16.54 52,000 0.14
Mar 20 2017 16.4 16.4 16.4 16.4 4,000 -1
Mar 17 2017 0 0 0 17.4 0 -0.1
Mar 15 2017 17.5 17.5 17.5 17.5 10,000 -0.3

Admjee Insurance Company Limited
Introduction
Admjee Insurance Company Limited (AICL) is a general insurance giant,
incorporated as a Public Limited Company on September 28, 1960. AICL, one of the
leading insurance companies in Pakistan, has a regional presence in United Arab
Emirates (UAE) and maintains its standing through an unwavering commitment to its
corporate philosophy. AICL’s competitive competency is achieved by combinations
of voluminous assets, notable paid-up capital, sizable reserves, a varied portfolio and
consequently, remarkable growth rates. AICL is listed with all three stock exchanges
of Pakistan, establishing its credibility. The Company retains a strong regional
presence in the UAE (Dubai and Abu Dhabi).
Vision
To create a superior Global Insurance company as the single largest player in the
market through innovation in products, pricing, packaging and distribution, thereby
revolutionizing the industry.
MissionStatement
To deliver outstanding profitability for the benefit of our customers, our employees
and our shareholders while providing premium service.
Various classesofInsurance.
(a) Engineering Insurance.
(b) Fire Insurance.
(c) Marine Insurance.
(d)Terrorism Insurance.
(e) Motor Insurance.
(f) Miscellaneous Insurance

Historical Prices
Date OpenHigh Low Close Volume Change
May 30 2017 78.3 78.99 77.5 78.15 18,000 -1.15
May 29 2017 80 80.4 78.4 79.3 853,000 -0.88
May 26 2017 79.01 80.65 79 80.18 27,000 0.6
May 25 2017 79.5 80.4 79 79.58 243,500 -0.75
May 24 2017 80 80.5 79.51 80.33 351,500 0.72
May 23 2017 79.89 80.4 78.3 79.61 293,000 0.64
May 22 2017 78 79.5 78 78.97 14,000 0.44
May 19 2017 78.3 79 78 78.53 242,500 0.34
May 18 2017 79.45 79.45 77.75 78.19 183,500 -0.01
May 17 2017 82 82 77.9 78.2 441,000 -3.79
May 16 2017 82.4 82.4 81 81.99 871,000 -0.29
May 15 2017 81.75 82.5 81.2 82.28 654,500 1.13
May 12 2017 80.2 81.43 79 81.15 1,141,500 1.5
May 11 2017 76.11 80.51 76 79.65 1,969,000 2.97
May 10 2017 75.5 77.2 75.5 76.68 955,500 1.29
May 9 2017 74.99 76.25 74.5 75.39 957,500 0.51
May 8 2017 73 75 73 74.88 108,000 1.87
May 5 2017 74.5 74.5 73 73.01 329,000 -1.42
May 4 2017 72.85 75 72.85 74.43 173,000 2.21
May 3 2017 75 75 71.51 72.22 313,000 -2.21
May 2 2017 73.06 75 73 74.43 743,500 -0.55
Apr 28 2017 75 75.01 74.71 74.98 137,000 -0.14
Apr 27 2017 75.25 75.75 74.75 75.12 218,000 -0.79
Apr 26 2017 75.5 76 75 75.91 163,000 -0.04
Apr 25 2017 76 76.5 75.4 75.95 435,500 0.19
Apr 24 2017 73 76.3 72.5 75.76 1,006,000 2.74
Apr 21 2017 72.7 73.4 72 73.02 1,801,500 0.97
Apr 20 2017 70 72.89 69 72.05 2,316,000 2.05
Apr 19 2017 67.75 71 66.1 70 217,500 0.99
Apr 18 2017 69 69.53 67.5 69.01 568,500 1.51
Apr 17 2017 70.01 70.48 69.2 70 734,500 0.32
Apr 14 2017 70.59 70.59 69.5 69.68 537,000 -0.42
Apr 13 2017 71.25 72.5 69.96 70.1 758,500 -1.28
Apr 12 2017 71.48 71.5 71 71.38 62,000 0.43
Apr 11 2017 71.57 71.75 70.8 70.95 455,000 -0.49
Apr 10 2017 70.91 72.1 70.2 71.44 119,000 -0.02
Apr 7 2017 70.89 72.45 70.89 71.46 286,000 0.55
Apr 6 2017 73.01 73.5 70.89 70.91 2,496,000 -3.71
Apr 5 2017 78 78.74 73.74 74.62 1,510,000 -3
Apr 4 2017 75.01 78 75 77.62 489,500 2.68

Cluster no.1
R=Dt + (Pt - Pt-1 )/Pt-1
R= 0+ (16.17-17.4)/17.4
R= -0.0707
R=Dt + (Pt - Pt-1 )/Pt-1
R= 0+(71.44-77.62)/77.62
R= -0.0796
Calculations Universal Insurance
Company
Admjee Insurance
Company
Return -0.0707×100 = -7.07 -0.0796×100 = -7.96
Explanation:
Return is what you will return from your investment. It includes regular income price
appreciation like: dividend and capital gain above show In cluster 1, the return of
Universal Insurance Company Limited is -7.07％ and Admjee Insurance Company
Limited is -7.96％.So the return of Universal Insurance Company Limited is higher as
compare to Admjee Insurance Company Limited.
Date Universal
insurance
company
limited
Date Admjee
insurance
company
limited
Mar 17 2017 17.4 Apr 4 2017 77.62
Mar 20 2017 16.4 Apr 5 2017 74.62
Mar 21 2017 16.54 Apr 6 2017 70.91
Mar 22 2017 16.06 Apr 7 2017 71.46
Mar 24 2017 16.17 Apr 10 2017 71.44

Cluster No.2
R=Dt + (Pt - Pt-1 )/Pt-1
R= 0+ (15.71-16.98)/16.98
R= -0.0748
R=Dt + (Pt - Pt-1 )/Pt-1
R= 0+(70-70.95)/70.95
R= -0.0134
Company
Admjee Insurance
Company
Return -0.0748×100= -7.48％ -0.0134×100= -1.34％
Explanation:
Limited is -1.34％.So the return of Universal Insurance Company Limited is less as
Date Universal
Insurance
Company
Limited
Date Admjee
insurance
company limited
Mar 27 2017 16.98 Apr 11 2017 70.95
Mar 28 2017 17.45 Apr 12 2017 71.38
Mar 29 2017 16.99 Apr 13 2017 70.1
Mar 31 2017 16.71 Apr 14 2017 69.68
Apr 3 2017 15.71 Apr 17 2017 70

Cluster No.3
Date Universal
insurance
company limited
Date Admjee
insurance
company limited
Apr 4 2017 14.71 Apr 18 2017 69.01
Apr 5 2017 13.71 Apr 19 2017 70
Apr 6 2017 14.69 Apr 20 2017 72.05
Apr 7 2017 14.64 Apr 21 2017 73.02
Apr 10 2017 13.64 Apr 24 2017 75.76
R=Dt + (Pt - Pt-1 )/Pt-1
R= 0+ (13.64-14.71)/14.71
R= -0.0727
R=Dt + (Pt - Pt-1 )/Pt-1
R= 0+ (75.76-69.01)/69.01
R= 0.0978
Company
Admjee Insurance
Company
Return -0.0727×100 = -7.27％ 0.0978×100 = 9.78％
Explanation:
Limited is 9.78％.So the return of Universal Insurance Company Limited is high as

Cluster 4
Date Universal
insurance
company limited
Date Admjee
insurance
company limited
Apr 11 2017 13.9 Apr 25 2017 75.95
Apr 12 2017 14.34 Apr 26 2017 75.91
Apr13 2017 14.1 Apr 27 2017 75.12
Apr 14 2017 13.18 Apr 28 2017 74.98
Apr 17 2017 13.7 May 2 2017 74.43
R=Dt + (Pt - Pt-1 )/Pt-1
R= 0+ (13.7-13.9)/13.9
R= -0.0144
R=Dt + (Pt - Pt-1 )/Pt-1
R= 0+ (74.43-75.95)/75.95
R= -0.0200
Company
Admjee Insurance
Company
Return -0.0144×100= -1.44％ -0.0200×100= -2％
Explanation:
Universal Insurance Company Limited is -1.44 and Admjee Insurance Company
Limited is -2.00.So the return of Universal Insurance Company Limited is high as

Cluster 5
Date Universal
insurance
company limited
Date Admjee
insurance
company limited
Apr 18 2017 14 May 3 2017 72.22
Apr 19 2017 14.88 May 4 2017 74.43
Apr 20 2017 14.66 May 5 2017 73.01
Apr 21 2017 14.66 May 8 2017 74.88
Apr 24 2017 14.3 May 9 2017 75.39
R=Dt + (Pt - Pt-1 )/Pt-1
R= 0+ (14.3-14)/14
R= 0.0214
R=Dt + (Pt - Pt-1 )/Pt-1
R= 0+ (75.39-72.22)/72.22
R= 0.0439
Company
Admjee Insurance
Company
Return 0.0214×100= 2.14％ 0.0439×100= 4.39％
Explanation:
appreciation like: dividend and capital gain above show in cluster 5, the return of
Universal Insurance Company Limited is 2.14％ and Admjee Insurance Company
Limited is 4.39％.So the return of Universal Insurance Company Limited is less as

Cluster6
Date Universal
insurance
company limited
Date Admjee
insurance
company limited
Apr 26 2017 14.55 May 10 2017 76.68
Apr 27 2017 14.54 May 11 2017 79.65
May 2 2017 15 May 12 2017 81.15
May 3 2017 14.99 May 15 2017 82.28
May 4 2017 14.95 May 16 2017 81.99
R=Dt + (Pt - Pt-1 )/Pt-1
R= 0= (14.95-14.55)/14.55
R= 0.0275
R=Dt + (Pt - Pt-1 )/Pt-1
R= 0= (81.99-76.68)/76.68
R= 0.0692
Company
Admjee Insurance
Company
Return 0.0275×100= 2.75％ 0.0692×100= 6.92％
Explanation:
Limited is 6.92％.So the return of Universal Insurance Company Limited is less as

Cluster 7
Date Universal
insurance
company limited
Date Admjee
insurance
company limited
May 9 2017 14.95 May 17 2017 78.2
May 11 2017 14.95 May 18 2017 78.19
May 18 2017 14.9 May 19 2017 78.53
May 19 2017 14.85 May 22 2017 78.97
May 23 2017 15.5 May 23 2017 79.61
R=DT + (Pt - Pt-1)/Pt-1
R= 0+ (15.5-14.95)/14.95
R= 0.0368
R=DT + (Pt - Pt-1)/Pt-1
R= 0+ (79.61-78.2)/78.2
R= 0.0180
Company
Admjee Insurance
Company
Return 0.0368×100= 3.68％ 0.0180×100= 1.8％
Explanation:
Limited is 1.80％.So the return of Universal Insurance Company Limited is high as

Cluster 8
Date Universal
insurance
company limited
Date Admjee
insurance
company limited
May 24 2017 15.49 May24 2017 80.33
May 25 2017 14.49 May 25 2017 79.58
May 26 2017 13.6 May 26 2017 80.18
My 29 2017 13.01 May 29 2017 79.3
May 30 2017 12.03 May 30 2017 78.15
R=DT + (Pt - Pt-1)/Pt-1
R= 0+ (12.03-15.49)/15.49
R= -0.2234
R=DT + (Pt - Pt-1)/Pt-1
R= 0+ (78.15-80.33)/80.33
R= -0.0271
Company
Admjee Insurance
Company
Return -0.2234×100= -22.34％ -0.0271×100= -2.71％
Explanation:
Limited is -2.71％.So the return of Universal Insurance Company Limited is less as

Ri Pi (Ri)(Pi) (Ri - Ṝ )2
(Pi)
-0.0707 0.1909 -0.0135 0.0025
-0.0748 0.2020 -0.0151 0.0025
-0.0727 0.1963 -0.0143 0.0025
-0.0144 0.0389 -0.0006 0.0011
0.0214 -0.0578 -0.0012 -0.0025
0.0275 -0.0743 -0.0020 -0.0034
0.0368 -0.0994 -0.0037 -0.0049
-0.2234 0.6033 -0.1348 -0.0009
-0.3703 1 -0.1852 -0.0031
σ = 
n
i
R
1
( i- Ṝ) (Pi)
σ = 0031.0
σ = 0.0557
OR
σ= 0.0557×100
σ= 5.57％
Coefficient of Variation= σ/R
Coefficient of Variance = -0.0557/-0.1852
Coefficient of Variance = 0.3008

OR
Coefficient of Variance = 0.3008×100
Coefficient of Variance = 30.08％
Ri Pi (Ri)(Pi) (Ri - Ṝ )2(Pi)
-0.0796 -0.8974 0.0714 -0.1118
-0.0134 -0.1511 0.0020 -0.0124
0.0978 1.1026 0.1078 0.0340
-0.0200 -0.2255 0.0045 -0.0194
0.0438 0.4938 0.0216 0.0260
0.0692 0.7801 0.0540 0.0325
0.0180 0.2029 0.0037 0.0132
-0.0271 -0.3055 0.0083 -0.0276
0.0887 1 0.2733 -0.0655
σ = 
n
i
R
1
( i- Ṝ) (Pi)
σ = 0655.0
σ = 0.2559
Or
σ = 25.59％

Coefficient of Variation = σ/R
Coefficient of Variance = 0.2559/0.2733
OR
Coefficient of Variance = 0.9363×100
Portfolio
WU= 500,000/10, 00,000 = 0.5
WA= 500,000/10, 00,000 = 0.5
ṜP = (WU) (ṜU) + (WA)(ṜA)
Ṝp = (0.5) (18.52％) + (0.5) (27.3％)
ṜP =0.2291
ṜP = 22.91％
Standard Deviation
Col 1 Col 2
Row 1 (WU) (WU)σ U, U (WU) (WA) σ U, A×R
Row 2 (WA) (WU)σ A, U×R (WA) (WA) σ A,A
Col 1 Col 2
Row 1 (0.5) (0.5)(0.0031) (0.5) (0.5)(0.0143) (0.3895)
Row 2 (0.5) (0.5)(0.0143)(0.3895) (0.5) (0.5)(0.0655)

Col 1 Col 2
Row 1 0.0008 0.0014
Row 2 0.0014 0.0164
σP = 02.0
σP = 0.1414
OR
σP =14.14％
Coefficient of Variation= σ/R
Coefficient of Variance = 0.1414/0.2291
OR
Summary of the Portfolio Return and Risk Calculation
Name Universal
Insurance
Co.
Admjee
Insurance
Co.
Portfolio
Return 18.52％ 27.35％ 22.91％
Standard
Deviation
5.57％ 25.59％ 14.14％
Coefficient
Variance
0.30 0.94 0.62

Explanation:
In the table of Summary of the Portfolio Return and Risk Calculation the return of
Limited is 27.35％ then the portfolio return is 22.91％.So the return of Universal
Insurance Company Limited is less as compare to Admjee Insurance Company
Limited and the portfolio is average.
Standard Deviation of Universal Insurance Company Limited is 5.57％ and Admjee
Insurance Company Limited is 25.59％ then the portfolio return is 14.14％.So the
standard deviation of Universal Insurance Company Limited is less as compare to
Admjee Insurance Company Limited and the portfolio is average.
Coefficient Variance of Universal Insurance Company Limited is 0.30 and Admjee
Insurance Company Limited is 0.94 then the portfolio return is 0.62.So the coefficient
variance of Universal Insurance Company Limited is less as compare to Admjee
Insurance Company Limited and the portfolio is average.

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