Human Capital: Education and Health in Economic Development
Razib_Rubayet_Joy-AS.pptx.pragati life insurance
1. Pragati Life
Insurance Limited
• Pragati Life Insurance Limited is a leading insurance
company in Bangladesh, established in 2000. The
company offers a wide range of life insurance
products and services to individuals, families, and
businesses.
• In 2020, Pragati Life Insurance Limited reported a
total revenue of BDT 8.2 billion (approximately USD
96 million), which was an increase of 16.6%
compared to the previous year.
• The company has been able to maintain a strong
solvency margin and profitability, which positions it
well for sustained growth and continued success in
the future.
2. Ratio Analysis
• By Looking at the ratios like EPS,
P/E ratio and ROE it can be
established that the profitability of
this life insurance company is very
much consistent and relatively high
in terms other life insurances that
we have selected for our analysis.
On the other hand, the DPS are
consistent over the years, but the
stock return of this company is very
volatile.
Ratios 2017 2018 2019 2020 2021
EPS-Earnings Per Share 2.46 4.03 2.39 1.45 1.97
P/E Ratio 46.17 28.46 52.85 60.89 45.23
ROE- Return on Equity. 22.11 22.22 21.98 9.45 10.89
DPS- Dividend Per Share 0.67 1.33 1.30 1.02 1.26
Stock Return 3.01 1.11 -11.58 -37.99 0.81
3. Sunlife Insurance
Company Ltd.
• Sunlife Insurance Company Limited's revenue has been
steadily increasing over the years. In 2020, the company's
total revenue was BDT 6,372 million, up from BDT 5,587
million in 2019. This growth can be attributed to the
company's expanding customer base and product offerings.
• Sunlife Insurance Company Limited's assets under
management have also been growing steadily over the years.
As of 2020, the company's total assets under management
were BDT 28,936 million, up from BDT 24,611 million in
2019. This growth can be attributed to the company's
investment in a diversified portfolio of assets.
• Sunlife Insurance Company Limited has maintained a strong
solvency position, with a solvency ratio of 14.34% as of 2020.
This indicates that the company has sufficient capital to
absorb any unexpected losses.
4. Ratio Analysis
• By Looking at the ratios like EPS,
P/E ratio and ROE it can be
established that the profitability of
this life insurance company is not
consistent and low in terms other
life insurances that we have selected
for our analysis. On the other hand,
this insurance company does not
have any dividend policy, and the
stock return of this company is very
volatile.
Ratios 2017 2018 2019 2020 2021
EPS-Earnings
Per Share
84.90 67.35 53.73 51.02 35.25
P/E Ratio 0.29 0.42 0.39 0.41 0.91
ROE- Return on
Equity.
8.49 6.73 5.37 5.10 3.52
DPS- Dividend
Per Share
0 0 0 0 0.1
Stock Return 0.7 3.3 -7 0 11.1
5. Popular Life Insurance Company Limited
Prominent and Leading
Insurance Company
2000
Year EPS DPS P/E ROE
Stock
Return
2017 4.27 0.483 16.74 50.24 0.03
2018 4.55 0.483 25.01 51.12 0.60
2019 3.82 0.483 23.17 7.33 -0.22
2020 3.77 0.242 20.34 6.03 -0.13
2021 3.8 0.483 20.68 6.64 0.03
6. Popular Life Insurance Company Limited
-10
0
10
20
30
40
50
60
2017 2018 2019 2020 2021
Popular Life Insurance Company
EPS DPS P/E ROE Stock Return
8. Rupali Life Insurance Company Limited
-10
0
10
20
30
40
50
60
2017 2018 2019 2020 2021
Rupali Life Insurance Company
EPS DPS P/E ROE Stock Return
9. Fareast Islami Life Insurance Company Limited
Established in 2000
It has 23 Divisional Offices, 103 Service Center Offices,
252 Zonal Offices and 635 Premium collection centers
throughout Bangladesh
wide range of life insurance products, including
individual life insurance, group life insurance, health
insurance, and investment-linked insurance plans.
a network of 50 branches and over 4,000 agents.
12. PADMA Islami Life insurance Company Limited
• Established in 2016.
• PILIC is a subsidiary of Padma Bank Limited, one of the largest commercial banks in
Bangladesh.
• PILIC operates based on the principles of Takaful, which means mutual cooperation and
shared responsibility.
• The company offers a range of life insurance products, including endowment policies, term
policies, education policies, and investment-linked policies
