Assignment on

Contribution made by Green

delta insurance in the economy
of Bangladesh

Prepared for:
Jannat begum
Course instructor
Of
Principle of insurance
School of business studies
Of
Southeast university

Submission date: 09-07-09

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Introduction:

Origin of the Green Delta insurance company:

Green Delta Insurance Company Limited (GDIC) is one of the leading and old
general insurance companies in Bangladesh. For many years it is continuing there
successful general insurance business in Bangladesh.

The Company was incorporated on December 14,1985 as public limited company

under the companies act 1913 with a paid up capital of Tk.30,00 million, It
Started its operation on January 01, 1986, Under Insurance act 1938 with the
slogan of "Marches with time". GDIC was listed in Dhaka Stock Exchange (DSE) on
January 12, 1990 and Chittagong Stock Exchange (CSE) on October 21, 1995.

The Company is an "A" category company in both DSE & CSE according to the
categorization of the Securities and Exchange Commission. Its year-end shares
price stood at taka 702.00 in FY 2003 (face value being Tk.100). During the last
19 years, GDIC has achieved a good market reputation in the General insurance
business, introduced a number of new products in the market and established a
strong branch network of 34 in six different zones all over the country.

Its backgrounds at a glance:

December 14, 1985-*Incorporation of the company

January 02, 1986-*Signing of First Insurance Business
December 31, 1989-*Increase of Paid up capital to BDT 60
January 12, 1990-*Listing with Dhaka Stock Exchange
October 21, 1995-*Listing with Chittagong Stock Exchange
May 10, 2004-*Agreement sign with CDBL
July 18, 2004-*Start up Demat settlement
May 11, 2005-*Launching of Islami Takaful Insurance
May 12, 2005-*Purchase of DSE membership
June 12, 2005-*Formation of Green Delta Aims Ltd

Its vision:
Green delta insurance company is always determined to satisfy their customer in
providing utmost good faith by serving there services. There vision is to mature
into a sustainable, coherent organization. Raise competitiveness to the highest
level in the Insurance industry, maintain high profitability and balanced
quantitative growth and exceed customer's expectations by offering legendary
services, embrace a new corporate identity and creative corporate culture.
Its mission and strength:
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There mission is to create shareholders value through customer's satisfaction
and employees commitment to excellence.

This company doing their business from many years in Bangladesh. This company
is the most popular insurance company among the insurance companies in last
one decade. Constant pursuit of suitable strategies has made the company the
leading insurer of Bangladesh for over two decades.

Authorized capital of Green Delta insurance company:

Green Delta Insurance Company Limited (GDICL) incorporated on 14 December

1985 in Bangladesh as a public limited company under the companies’ act 1913.
It went into operations on 1 January 1986 as a general insurance
company with an authorized capital of Tk 100 million divided into 1
million ordinary shares of Tk 100 each. On 31 December 2000,
Beginning paid up capital of the green delta insurance company:
Its paid up capital was Tk 60 million. The company is listed with both Dhaka and
Citation stock exchanges. The company has built up a reserve and asset base to
ensure long-term growth and sustainable income base and it maintains an
exceptional loss reserve, which amounted to Tk 15.50 million in 2000. Total
reserves of the bank at the end of that year were Tk 232.20 million.

Amount of money of green delta insurance company’s that has been received by
its shareholders who have completely paid for their purchased shares are given
below. According to recent year’s annual reports their authorized and paid capital

amounts with their share issued Paid up is:

Source: annual reports of green delta insurance company ltd.2007

That’s mean this company has 6000,000 paid up shares against their authorized
share.
This company is a higher listed insurance company in share markets, and it has
gain their share holders faith as they are becoming one of the most growing
insurance company in Bangladesh.
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The company is listed with both Dhaka and Chittagong stock exchanges. The
company has built up a reserve and asset base to ensure long-term growth and
sustainable income base and it maintains an exceptional loss reserve, which
amounted to Tk 15.50 million in 2000. Total reserves of the bank at the end of
that year were Tk 232.20 million.

Management hierarchy of the Green Delta insurance company limited:

Green delta insurance company is well known insurance company in Bangladesh.

It practices a well instructive and organized management hierarchy from the first
to last. In this company many employees work in their different branches and
every branch follows their company rules and code and hierarchy management.
And their hierarchy is given below:

Chairman
Dr. Kabir H. Choudhury
Vice Chairmen
Farzana Chowdhury A. Farida Ahmed

Farzana Chowdhury A. Farjad

Ahmed Managing Director & CEO
Nasir A. Choudhury

Advisor
A. S. A. Muiz

DMD (F & A, HR &

Admin)
Nazim Tazik Chowdhury

Underwriting
Mr. Alauddin Gazi (DMD)

Human Resource Division

Syed Kaiser Ahmed

And in management there are other 16 manager directors are also precipitate in
company’s different decisions. And in their executive level various and numerous
employees are related in different branches and division of the office branches.

According to this hierarchy company takes their different decisions. Generally in

every branch they follow simple management hierarchy like from the order first
the head branch manager, after that the addition branch manager, and then the
underwriter and then the human recourse manager, financial manager, accounts
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manager, and marketing manager are situated in flat and same management
line.

Branches of the Green Delta insurance company of Bangladesh:

Green delta insurance companies most of initial and main branches are held in
Dhaka and Cittagong. And other districts have some few branches also. As
insurance is mainly general related so green delta spread their business only in
main capital city of the districts.

Generally according to the recent information in this insurance company at least

8000 employees are working in different branches and divisions in Dhaka, syellet,
chittagong, khulna and other different districts in Bangladesh. As Dhaka is the
main capital and chittagong is main trade sea ports of the Bangladesh, that’s why
most of branches of green delta insurance company’s are situated in this districts.
And the name of the branches according to their divisions and districts are given
below:

Branches of Green Delta insurance company are in Dhaka:

1. Principal Branch

2. Gulshan Branch

3. Imamgonj Branch

4. Elephant Road Branch,

5. Nawabpur Branch

6. kawaran bazar branch

7. : Mohakhali Branch, Dhaka

8. Dhaka EPZ Branch, Savar

9. Uttara Branch

Branches in Chittagong:

10.Principal Branch, Chittagong

11. Khatungonj Branch

Other branches in different districts:

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10. .Name of the Branch : Narayangonj

11. .Name of the Branch : Narsingdi Branch

14. Name of the Branch: Sylhet Branch

15. Name of the Branch: Moulvi Bazar Branch, Sylhet

16. Name of the Branch: Barisal Branch

.
17. Name of the Branch: Pirojpur Branch

18. Name of the Branch: Faridpur

19. Name of the Branch: Jessore

20. Name of the Branch: Noapara

.
21. Name of the Branch: Khulna

22. Name of the Branch: Kushtia

23. Name of the Branch: Madaripur

24. Name of the Branch: Bogra

25. Name of the Branch: Dinajpur

26, Name of the Branch: Pabna Branch

27. Name of the Branch: Rajshshi

28. Name of the branch: Khishorgonj

29. Name of the Branch: Bhairab

30. Name of the Branch: Mymensingh

31. Name of the Branch: Tangail

32. Name of the Branch: Tangail

33. Name of the Branch: Chaumuhoni Branch

34. Name of the Branch: Comilla

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35. Name of the Branch: Habigonj Branch, Sylhet

In 2000, the company had 35 branches in different places of Bangladesh. Its

headquarters is at Dhaka. Its management team of 34 executive officers is
headed by a managing director, who is also the member-secretary of the
company's 29-member board of directors.

And green delta insurance company insurance company spread their products
lines in different rural and city areas through their branches. As their insurance
policy are general related that’s why they mostly emphasis on peoples demands
and needs of general insurances.

And that’s why they set their Branches in city area of the districts and important
places .where they can provide corporate, financial organizations and general
people’s health’s security through their services as much as possible.

Though it is general insurance company and its services are related to the risk
management and security of corporate and financial, and people’s health, they
held their branches in huge business and financial organization situated place and
markets.
From the above branches address it can identified that they try to distributing
their branches in huge corporate markets and places of districts of Bangladesh.

Policy description:

Insurance product line offered by the green delta insurance company:

The company conducts general insurance business according to the Insurance Act
1938. It underwrites risks involved in trade and properties and thus provides their
security through insurance and reinsurance services.

Major risk underwriting businesses of the company covered fire insurance, marine
cargo and hull insurance, motor insurance and miscellaneous insurance. The
company participates in co-insurance business and it re-insured risks undertaken
with the Sadharan Bima Corporation.

Green delta insurance company is well known general insurance company of

Bangladesh. Because it’s provides lots of services for big industry, company and
also cover a lot of problem of different sector by providing following services:
Corporate
Risk Management
Property All Risks Insurance including Business interruption
Electronic Equipments and Computer insurance
Corporate Hospitalization cover
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Corporate Overseas Health policy

Financial
Portfolio cover
Credit card Protection Insurance
Bankers Blanket Insurance
Money Insurance
Ideality Bond

Conventional
Fire & Allied Perils Insurance
Marine Cargo & Hull Insurance
All types of Aviation Insurance
All types of Automobile Insurance
All types of Accident, Miscellaneous & Liability Insurance
All types of Engineering Insurance

Takaful (Islamic)
All types of (non life) Takaful Products

Investment & Portfolio Management

Underwriting
Pre-IPO placement Syndicate
Trusteeship

Subject matter in insurances of Green Delta insurance company:

Some alternative way of insurance services which are generally provided by

green delta insurance corporation classification those are as follows
Property:
Fire & Allied.
Burglary & house breaking.
Industrial all risk.
Machinery breakdown.
Contractors all risk
Erection all risk.
Deterioration all risk.

Movable property:
Marine Hull.
Marine Cargo.
Vehicle.
Aviations.
Cash In Transit

Personal:
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Health.
Personal Accident.
Hospitalization.
Dread disease.

Liability:
Fidelity.
Workers Compensation.
Public Liability

Followings are the subject matters of the general insurances of green delta
insurance

Green Delta insurance company’s branches and number of employees and

their contributions in economy:

In 2000, the company had 35 branches in different places of Bangladesh. Its

headquarters is at Dhaka. Its management team of 34 executive officers is
headed by a managing director, who is also the member-secretary of the
company's 29-member board of directors.
As green delta insurance company has many branches in different area in
Bangladesh, and on that each and every branches numerous peoples work in
different level and hierarchy of the company. According to the data of this
company its have 35 branches all over the Bangladesh. And in every branch the
top management hires most efficient and experienced employees whom can lead
the company growths more ahead.

Among the all employees of this company most of the employees work in Dhaka
branches. Because in Dhaka they have 9 branches that is more from other
regional districts in Bangladesh. As Dhaka is the main center of the corporate
businesses and financial institutions, that’s why most of the green delta insurance
company’s branches situated here.
And in these branches neuemeras emplyoyees work which is out numbered from
other regional branches of green delta insurance company.

Green delta insurance company contributing in economy of Bangladesh by

reducing unemployment’s and through spreading their business and branches all
 10
over the country. Its employee also contributing in our economy through their
income tax and services.

As green delta insurance company is large spreading insurance company which is

helping peoples, corporate business and financial institution by providing
security, risk portfolio services and health security. That’s mean this company
helping to reduce the national waste and prevent losses from unseen
contingency.
As in this company huge number of peoples is working and in future there will
more person will be hire. That will help an economy by creating job security and
options for unemployed people and then it will lead social peace.

So it can say that as a fastest growing insurance company, green delta insurance
company has a huge job market in the society. And that will just not help an
economy by their insurance services also help providing job security and services
for the common people of this country.

Education and training provides by the Green Delta insurance company:

Green delta insurance company is not only intending to do business or profits.

They also try to provide some education and trainings facilities for their
employees through all over the world as much as possible.
Green Delta is proud to be a company that helps people in time of trouble. A
company that can and does pull all steps when it is needed. Like the country we
are young and have blended thier youthful vigor with specialized knowledge and
experience.

The Board of Directors includes veterans of insurance, trade & industry, doctors,
chartered accountant, business professionals. Their management team always
tries to comprise of qualified professionals trained from UK, Switzerland, Germany
and many other advanced countries. The company is headed by Mr. Nasir A.
Choudhury who is prominent person in Bangladesh insurance Industry.

According to the green delta insurance company’s information they sent their
management team to improve their insurance business policy and services in
different foreign country.
Recently many employees of management team of green delta insurance
company went Malaysia, kingdom of Bahrain, and India also for participating in
different trainings and professional education related to the insurance industry.

These companies always try to improve their quality business and to expand the
insurance business allover the world, they provides different seminar, training
course for their employees. Like:

• Recently Four officials from Green Delta Insurance Company Ltd. attended
the Comprehensive Technical Programmed in General Insurance, organized
by National Insurance Academy, PUNE. National Insurance Academy is an
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"A" Rated academy that is quite conductive to learning and educative
interaction in insurance education with its excellent infrastructure. The
duration of the course was 21 days and participants got both experience in
theoretical and practical matters by the qualified and experienced faculties
about insurance.
• The Green Delta Insurance Company Limited recently arranged three day
training on Fire Insurance for its 14 officers and branch in charges at the
head office in the Dhaka. This training is held for to participants to prepare
themselves as efficient officers to shoulder the responsibilities of the
company in the years to come.
• Their high management sometimes join in many international conferences
in many developing subjects of expand insurance businesses and how to be
more effective in insurance policies.

According to the information this insurance company held their training course,
education facilities about insurance for their qualified employee’s more than any
insurance companies of the Bangladesh.

Research and awareness buildings:

Green delta insurance company always intend to do research on insurance

business and increase awareness about insurance policy for general people of
this of this country.
As insurance is an important element to risk management of various unseen
contingency situations. And Bangladesh always in grave risk for the financial
recessions and weather calamities from other countries of the world.
That’s why green delta insurance company tries to research on different
insurance policy according the peoples of Bangladesh and the other opportunities
of insurance contingency.

This company’s top management always tries to held different seminar and
researches on their product lines and the subject matters on their insurance.
Their most of research hold on:
• How to improve quality of the insurance policy.
• How to diversify the big risk insurance policy.
• How to improve quality insurance management.
• Which policy is suitable and demand of peoples of the country.
• And identify the good insurance policy and possibilities related to general
insurances.

As in Bangladesh insurance is not huge practicable business and it is unknown by

the most of the people. Green delta Insurance Company also makes awareness
about their insurances policy among the people to expand the insurance industry
in the Bangladesh. And the subject of their making awareness of insurances is:
• Increase advertisement about their products line services.
• Give a clear idea to people about insurance policy.
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• By making awareness risk can be diversifying.
• More awareness means more insurance which increase investment and
growth to the economy.
• By awareness expand the insurance business in rural and capital area of
the Bangladesh.
• Making contact and meeting with different corporate businesses to give
idea about insurance policy and how insurance will help them by risk
diversifying.

Research and awareness is the main elements of an insurance business as

without it’s an insurances company can move forward to have a good business. It
is very much important for a insurance company that to know about policy
identifications .good risk, bad risk company,
Good and bad risk policy through research. And need to know the demand of the
peoples about insurance and influence them to take insurance to minimum the
wastes of money.

Social responsibilities of Green Delta insurance company:

Green delta insurance company is one of the oldest insurance companies in this
country. From the beginning of this insurance business they try to help the
economy and the society by their different programs and services.
As it is the leading and most growing insurance business they know that they
have some social responsibilities and they always try to fulfill that.
Through their insurance services they play a very important role to the society by
reducing risk and problems after an unseen contingency happens.
• As a reputed corporate citizen, GDIC always avails opportunities to make
positive contribution to the community. As a gesture of goodwill, GDIC has
been sponsoring sports activities, besides patronizing cultural activities in
the country since its inception.
• In addition to contributing to support of different social activities, GDIC is
the proud sponsor of 1st and 2nd Division Hockey League since 1987. This
year, GDIC has sponsored Premier Division Cricket League for the second
time. GDIC had also sponsored National School Table Tennis, Youth
Swimming Competition etc. in time to time. By sponsoring the sports its
help the society to increase the sports spirit of the player and
entertainment of the people. And for lack of sponsor many games are
sometimes don’t get proper encouragement to continue in national level.
But green delta insurance company helps those forbidden games to come
up in front to show and get encouragement to continue their games in
future.
• Bangladesh is a country of natural calamity. GDIC at all times extends its
hands for the people who are affected by these natural calamities. In 2004
GDIC's employees contributed their one-day salary to the Prime Minister
Relief Fund for the flood-affected people of Bangladesh. As well in winter,
 13
we distribute winter clothing to the poor people and all these activities
are a part of our humanitarian efforts.

And not only above contributions this company always fulfills their
responsibility towards their employee’s death; they give moral and financial
supports to their family. And they give donation on different disasters
calamities of Bangladesh.
It is shown that Green delta insurance company giving a huge contribution in
society to in different calamities, problems and helping the society by their
services.

Investments portfolio of Green Delta insurance company limited:

As insurance company business are related to taking premium from insure, Green
delta insurance is the top insurance premium taker from the people in
Bangladesh. So they have huge possibilities to invest in different capital markets
and investment sectors.

Source: annual reports of green delta insurance company ltd.2007

As we can see that Green delta insurance company is the highest premium
earners from the other insurance company so they are capable to invest high
amount in investment sectors.
Investment incomes of the company were Tk 39 million in 2000. It has also
received the first dividend of 7.50% from its investment/venture capital financing
in delta brac housing Finance Corporation. Other constituents of the company's
investment portfolio were Pratirakkha Sanchaya Patra and shares and debentures
of various companies. Total assets of the company were valued at Tk 601.30
million at the end of 2000.
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The company started to earn net profits since the second year of its business
operations. It earned about Tk 21.30 million as profits in 2000 and had paid a
dividend @ 35% every year between 1996 and 2000.

Source: annual reports of green delta insurance company ltd.2007

From the information it is seeable that green delta insurance company invests in
different investment sectors from their premium and profits earnings. And their
most of the income come from their investments and premium of their
customers. They invest in capital and secondary markets in big amount and their
investments are related to the private sectors.

And their most of the investments are very significant movement for the
economy growths of Bangladesh. As they are most growing insurance company of
the Bangladesh, they have a great opportunity to invest in huge investment
projects.
And it will help very much to the economy by improvement of job markets for
unemployed people, national income, GDP growth and other social security.

Much investment will bring many opportunities of job and income and GDP
growth. So it can be said that the green delta insurance company fulfilling a great
responsibility towards the economy of Bangladesh by their huge investments in
share markets and private sectors.

Tax payments of Green Delta insurance company limited:

Green delta insurance company is a large and most profitable insurance company
among the insurance company’s of the Bangladesh. And its profits are much from
other general insurance company’s of this country.
As a well responsible company of a country they paid a huge amount of tax to
the governments. And they pay tax on the basis of their net incomes. Day by day
their tax payments trends are increasing which is contributing to our economy in
large side’s national income and GDP.
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In 2006 they 16,567,183 taka tax to government and 2006 they paid
17,890,761 taka and in 2007 they paid more than 18,000,000 taka. That’s mean
the green delta insurance company just not fulfilling their social responsibility by
their services and donation or sponsorships, they also fulfilling their corporate
responsibility as well as well that was defined. And by this green delta insurance
company set up a new idol for insurance business through their social and
corporate responsibility for other insurance company of the Bangladesh.

Profits of Green Delta insurance company limited:

The green delta insurance company operates successfully and maintained

progressive profitability throughout the whole period of its business except the
year of commencing operations. It earned satisfactory premium income, the gross
amount of which was Tk 301.30 million in 2000.

The net premium also increased each year and stood at Tk 172.70 million in that
year. The claim expenses of the company were comparatively lower and this
helped it in accumulating higher profits. And this company is continuing their
success in earning profits after every year of 2000.below there is given the profits
trend line of green delta insurance company:

2006 2005 2004

2003 2002

{Taka in million}

From above it is seeable that company has a growing profit from 2002 to 2006
.which showing they earning large premium amount from their customers and
investment return and has less claim from their insures. In 2006 its profits has
been reduced but in 2007 it increase in 50.2 million. That indicates a very good
business trend for a company.
And as it has share in SEC according to annual reports of Green delta insurance
company they give increasing dividend amount to their share holders in year
2002 to 2006. And the data are given below:

2006 2005 2004

2003 2002
{Taka in million}

From 2002 to 2006 this company gives their share holders an increasing rate of
dividend. It’s a prove that this company is growing day by day and contributing
the economy by their expanding business. In the rescission time of economy they
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constantly are doing well in their profits and business which very much good for
company’s shareholders and its customer also.

Claims payments of the Green Delta insurance company ltd:

Green delta insurance company is the huge premium earners among the
insurance company. So they have large customer in insurance policy from others.
So having large customer means large liability and risks. And this company is
very much intending to fulfill their insurance agreement with their customer.
They always try to pay the claims of insurance taker in time and according to
agreements. They paid the claims amount in the subject matter of the insurance
agreements with the insures. They paid a large amount of claims during to 2002
to 2006 and their amount is given below:

2006 2005 2004

2003 2002

{Taka in million}
And they paid the claims amount in 2006 according to insurance policy with
customer is:

And their claims amount is increasing like their earning of net premiums
increasing from their customers. And they always follow the all rules of insurance
policy according to their company and government also.
Before the claims they research about the agreements incidents and real
incidents, if there is no breach of contracts then they paid the claims amount as
quick as possible.
In big amount claims the company properly examine the incident against which
customer is claiming the insurance amount, if the company satisfies the
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examination results they goes for to payments. Mostly big amounts are given in
installments or in a long time periods.

Contribution of Green Delta insurance company ltd in Bangladesh economy

and society:

A world without insurance is more daunting, poorer and stagnant place. The
insurance industry has improved peoples lives in many crucial areas. Insurance
allows new technology and products to be tested without the fear that failure
would bankrupt their promoters.
Green delta insurance company limited contributes lots to the Bangladesh
economy as a growing and reliable insurance company. As it is a general
insurance company which related a vase area of insurance policy it is most
popular from Life Insurances and also its premium amount is high from life
insurances. That’s why this company deals with large risk and money also.

This insurance company fulfills their responsibility not only towards the customer
of their, they also have a huge contribution to the economy of Bangladesh also
and those are:

• By giving social safety and peace of mind. In the hierarchy of human need
safety and security come on fulfillment of food, cloth, housing, medical and
education. To that extent insurance provides certainty, it helps individual or
business by improving the efficiency of actions by reducing anxiety.
• Credit economy is impossible today without insurance. Fire insurance is
invariably required by mortgagees while loan money takes away real or
personal property as collateral. And this company provides fire insurance
policy for the corporate and marine business also.
• An insurance premium, though small in relation to the possible loss it
protects against, is basically a prepayment in advance of potential loss. All
the payments are gathered together to form a fund from which those few
who do suffer losses are paid. In essence, the plan of insurance encourages
all to save so that unfortunates can be repaid for their losses.
That’s mean insurance premium help regain the losses amount from accidents.
And it reduces the time and losses of set up the work again. That is very much
helpful for economy for less waste of time and money.
• The savings held by insurance companies provide a great source of
important capital of economy. That’s mean the savings of the green delta
insurance company contributes huge investment in the economy. Which
increasing development of the country in high rate.
• Much investments decrease much unemployment’s of the country.
• Green delta Insurance Company all over the world spent huge amount of
money for research in various fields of risk management and loss
prevention. That becomes a considerable source of specialized and
scientific information on various fields of risk and loss prevention.
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• Bangladesh is a full of natural calamities and the insurance of this
company help to reduce those calamities losses and risks.
• Claims amount of insurance help the insured’s to set up the business again
in time there is less possibilities to the production or business for any
incidents.
• Mostly green delta insurance company take insurance about fire, marine,
money security, corporate business money security and help to recover the
losses if the insures incidents happens. Through this company contributes
the economy bay spreading risk in many people. Because huge money
losses can bring slowness in economy. and where insurance company give
service to divided the risk and help to recover the risk
Mainly green delta insurance company provides the peace of mind of insured’s
and help to save money which brings in society the peace and ultimate growth
to economy.

Conclusion:
This Company is a "A" category company in both DSE & CSE according to the
categorization of the Securities and Exchange Commission. Its year-end shares
price stood at taka 702.00 in FY 2003 (face value being Tk.100). During the last
19 years, GDIC has achieved a good market reputation in the General insurance
business, introduced a number of new products in the market and established a
strong branch network of 35 in six different zones all over the country.

Growing need of insurance with demand of growing economy, the demand of

insurances also creating with the change of technology in insurance business. To
cope with this diversified demand of insurance for the new millennium as well as
the high value risks, the green delta insurance company is keeping pace with the
change.

Though this insurance company playing a very important role in the economy of
Bangladesh. Cause it’s a large growing and most promising insurance company
among the insurance company of Bangladesh. And its business is expanding in
share markets and corporate area also. And it is noticeable that this growing
company is contributing much from other business industry .that will help to the
insurance industry to lead a successful business and relation with their customers
like Green delta insurance company.

The need for insurance

 19

Bibliography:
• Book: Risk and insurance by Azizul Huq Chaudhuri
• Websites: www.greendelta.com
• The daily star news paper