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Universal Insurance Company Limited provides a range of non-life insurance products and services customized for businesses, industries, and individuals. It has separate risk management and engineering teams that work with clients to identify risks and provide specific insurance policies, helping to prevent losses and reduce premium costs. The company aims to not only provide insurance but also help clients develop risk prevention capabilities. Admjee Insurance Company Limited is a leading Pakistani insurance company with a regional presence in the UAE. It has sizable assets, capital, and reserves. The company's vision is to become the largest global insurance player through innovative products, pricing, packaging, and distribution. It offers various classes of insurance including engineering, fire, marine, motor, and miscellaneous insurance

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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 Universal Insurance Company Limited R=Dt + (Pt - Pt-1 )/Pt-1 R= 0+ (16.17-17.4)/17.4 R= -0.0707 Admjee Insurance Company Limited 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 Universal Insurance Company Limited R=Dt + (Pt - Pt-1 )/Pt-1 R= 0+ (15.71-16.98)/16.98 R= -0.0748 Admjee Insurance Company Limited R=Dt + (Pt - Pt-1 )/Pt-1 R= 0+(70-70.95)/70.95 R= -0.0134 Calculations Universal Insurance Company Admjee Insurance Company Return -0.0748×100= -7.48％ -0.0134×100= -1.34％ 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 2, the return of Universal Insurance Company Limited is -7.48％ and Admjee Insurance Company Limited is -1.34％.So the return of Universal Insurance Company Limited is less as compare to Admjee Insurance Company Limited. 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 Universal Insurance Company Limited R=Dt + (Pt - Pt-1 )/Pt-1 R= 0+ (13.64-14.71)/14.71 R= -0.0727 Admjee Insurance Company Limited R=Dt + (Pt - Pt-1 )/Pt-1 R= 0+ (75.76-69.01)/69.01 R= 0.0978 Calculations Universal Insurance Company Admjee Insurance Company Return -0.0727×100 = -7.27％ 0.0978×100 = 9.78％ 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 3, the return of Universal Insurance Company Limited is -7.27％ and Admjee Insurance Company Limited is 9.78％.So the return of Universal Insurance Company Limited is high as compare to Admjee Insurance Company Limited.
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 Universal Insurance Company Limited R=Dt + (Pt - Pt-1 )/Pt-1 R= 0+ (13.7-13.9)/13.9 R= -0.0144 Admjee Insurance Company Limited R=Dt + (Pt - Pt-1 )/Pt-1 R= 0+ (74.43-75.95)/75.95 R= -0.0200 Calculations Universal Insurance Company Admjee Insurance Company Return -0.0144×100= -1.44％ -0.0200×100= -2％ 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 4, the return of 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 compare to Admjee Insurance Company Limited.
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 Universal Insurance Company Limited R=Dt + (Pt - Pt-1 )/Pt-1 R= 0+ (14.3-14)/14 R= 0.0214 Admjee Insurance Company Limited R=Dt + (Pt - Pt-1 )/Pt-1 R= 0+ (75.39-72.22)/72.22 R= 0.0439 Calculations Universal Insurance Company Admjee Insurance Company Return 0.0214×100= 2.14％ 0.0439×100= 4.39％ 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 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 compare to Admjee Insurance Company Limited.
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 Universal Insurance Company Limited R=Dt + (Pt - Pt-1 )/Pt-1 R= 0= (14.95-14.55)/14.55 R= 0.0275 Admjee Insurance Company Limited R=Dt + (Pt - Pt-1 )/Pt-1 R= 0= (81.99-76.68)/76.68 R= 0.0692 Calculations Universal Insurance Company Admjee Insurance Company Return 0.0275×100= 2.75％ 0.0692×100= 6.92％ 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 6, the return of Universal Insurance Company Limited is 2.75％ and Admjee Insurance Company Limited is 6.92％.So the return of Universal Insurance Company Limited is less as compare to Admjee Insurance Company Limited.
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 Universal Insurance Company Limited R=DT + (Pt - Pt-1)/Pt-1 R= 0+ (15.5-14.95)/14.95 R= 0.0368 Admjee Insurance Company Limited R=DT + (Pt - Pt-1)/Pt-1 R= 0+ (79.61-78.2)/78.2 R= 0.0180 Calculations Universal Insurance Company Admjee Insurance Company Return 0.0368×100= 3.68％ 0.0180×100= 1.8％ 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 7, the return of Universal Insurance Company Limited is 3.68％ and Admjee Insurance Company Limited is 1.80％.So the return of Universal Insurance Company Limited is high as compare to Admjee Insurance Company Limited.
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 Universal Insurance Company Limited R=DT + (Pt - Pt-1)/Pt-1 R= 0+ (12.03-15.49)/15.49 R= -0.2234 Admjee Insurance Company Limited R=DT + (Pt - Pt-1)/Pt-1 R= 0+ (78.15-80.33)/80.33 R= -0.0271 Calculations Universal Insurance Company Admjee Insurance Company Return -0.2234×100= -22.34％ -0.0271×100= -2.71％ 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 8, the return of Universal Insurance Company Limited is -22.34％ and Admjee Insurance Company Limited is -2.71％.So the return of Universal Insurance Company Limited is less as compare to Admjee Insurance Company Limited.
Universal Insurance Company Limited 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％ Admjee Insurance Company Limited 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 Coefficient of Variance = 0.9363 OR Coefficient of Variance = 0.9363×100 Coefficient of Variance = 93.63％ 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 Coefficient of Variance = 0.6172 OR Coefficient of Variance = 61.72％ 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 Universal Insurance Company Limited is 18.52％ and Admjee Insurance Company 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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Data analysis

  • 1.
    Universal Insurance CompanyLimited 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
  • 2.
    • 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
  • 3.
    Admjee Insurance CompanyLimited 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
  • 4.
    Historical Prices Date OpenHighLow 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
  • 5.
    Cluster no.1 Universal InsuranceCompany Limited R=Dt + (Pt - Pt-1 )/Pt-1 R= 0+ (16.17-17.4)/17.4 R= -0.0707 Admjee Insurance Company Limited 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
  • 6.
    Cluster No.2 Universal InsuranceCompany Limited R=Dt + (Pt - Pt-1 )/Pt-1 R= 0+ (15.71-16.98)/16.98 R= -0.0748 Admjee Insurance Company Limited R=Dt + (Pt - Pt-1 )/Pt-1 R= 0+(70-70.95)/70.95 R= -0.0134 Calculations Universal Insurance Company Admjee Insurance Company Return -0.0748×100= -7.48％ -0.0134×100= -1.34％ 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 2, the return of Universal Insurance Company Limited is -7.48％ and Admjee Insurance Company Limited is -1.34％.So the return of Universal Insurance Company Limited is less as compare to Admjee Insurance Company Limited. 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
  • 7.
    Cluster No.3 Date Universal insurance companylimited 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 Universal Insurance Company Limited R=Dt + (Pt - Pt-1 )/Pt-1 R= 0+ (13.64-14.71)/14.71 R= -0.0727 Admjee Insurance Company Limited R=Dt + (Pt - Pt-1 )/Pt-1 R= 0+ (75.76-69.01)/69.01 R= 0.0978 Calculations Universal Insurance Company Admjee Insurance Company Return -0.0727×100 = -7.27％ 0.0978×100 = 9.78％ 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 3, the return of Universal Insurance Company Limited is -7.27％ and Admjee Insurance Company Limited is 9.78％.So the return of Universal Insurance Company Limited is high as compare to Admjee Insurance Company Limited.
  • 8.
    Cluster 4 Date Universal insurance companylimited 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 Universal Insurance Company Limited R=Dt + (Pt - Pt-1 )/Pt-1 R= 0+ (13.7-13.9)/13.9 R= -0.0144 Admjee Insurance Company Limited R=Dt + (Pt - Pt-1 )/Pt-1 R= 0+ (74.43-75.95)/75.95 R= -0.0200 Calculations Universal Insurance Company Admjee Insurance Company Return -0.0144×100= -1.44％ -0.0200×100= -2％ 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 4, the return of 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 compare to Admjee Insurance Company Limited.
  • 9.
    Cluster 5 Date Universal insurance companylimited 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 Universal Insurance Company Limited R=Dt + (Pt - Pt-1 )/Pt-1 R= 0+ (14.3-14)/14 R= 0.0214 Admjee Insurance Company Limited R=Dt + (Pt - Pt-1 )/Pt-1 R= 0+ (75.39-72.22)/72.22 R= 0.0439 Calculations Universal Insurance Company Admjee Insurance Company Return 0.0214×100= 2.14％ 0.0439×100= 4.39％ 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 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 compare to Admjee Insurance Company Limited.
  • 10.
    Cluster6 Date Universal insurance company limited DateAdmjee 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 Universal Insurance Company Limited R=Dt + (Pt - Pt-1 )/Pt-1 R= 0= (14.95-14.55)/14.55 R= 0.0275 Admjee Insurance Company Limited R=Dt + (Pt - Pt-1 )/Pt-1 R= 0= (81.99-76.68)/76.68 R= 0.0692 Calculations Universal Insurance Company Admjee Insurance Company Return 0.0275×100= 2.75％ 0.0692×100= 6.92％ 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 6, the return of Universal Insurance Company Limited is 2.75％ and Admjee Insurance Company Limited is 6.92％.So the return of Universal Insurance Company Limited is less as compare to Admjee Insurance Company Limited.
  • 11.
    Cluster 7 Date Universal insurance companylimited 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 Universal Insurance Company Limited R=DT + (Pt - Pt-1)/Pt-1 R= 0+ (15.5-14.95)/14.95 R= 0.0368 Admjee Insurance Company Limited R=DT + (Pt - Pt-1)/Pt-1 R= 0+ (79.61-78.2)/78.2 R= 0.0180 Calculations Universal Insurance Company Admjee Insurance Company Return 0.0368×100= 3.68％ 0.0180×100= 1.8％ 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 7, the return of Universal Insurance Company Limited is 3.68％ and Admjee Insurance Company Limited is 1.80％.So the return of Universal Insurance Company Limited is high as compare to Admjee Insurance Company Limited.
  • 12.
    Cluster 8 Date Universal insurance companylimited 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 Universal Insurance Company Limited R=DT + (Pt - Pt-1)/Pt-1 R= 0+ (12.03-15.49)/15.49 R= -0.2234 Admjee Insurance Company Limited R=DT + (Pt - Pt-1)/Pt-1 R= 0+ (78.15-80.33)/80.33 R= -0.0271 Calculations Universal Insurance Company Admjee Insurance Company Return -0.2234×100= -22.34％ -0.0271×100= -2.71％ 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 8, the return of Universal Insurance Company Limited is -22.34％ and Admjee Insurance Company Limited is -2.71％.So the return of Universal Insurance Company Limited is less as compare to Admjee Insurance Company Limited.
  • 13.
    Universal Insurance CompanyLimited 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
  • 14.
    OR Coefficient of Variance= 0.3008×100 Coefficient of Variance = 30.08％ Admjee Insurance Company Limited 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％
  • 15.
    Coefficient of Variation= σ/R Coefficient of Variance = 0.2559/0.2733 Coefficient of Variance = 0.9363 OR Coefficient of Variance = 0.9363×100 Coefficient of Variance = 93.63％ 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)
  • 16.
    Col 1 Col2 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 Coefficient of Variance = 0.6172 OR Coefficient of Variance = 61.72％ 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
  • 17.
    Explanation: In the tableof Summary of the Portfolio Return and Risk Calculation the return of Universal Insurance Company Limited is 18.52％ and Admjee Insurance Company 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.