Professional Documents
Culture Documents
A.1.
Premium Margins
YEar Group Name Earned Premium Gross Premium Base Reinsurer Retained Discount Gross Net of discount & Comm% Loss Ratio Claims Retained Claims Industry Class ME Regions Total Lives Schemes
2016 OGDC 270,291,715 271,852,017 270,059,859 207,182,055 63,109,660 (979,488) 1% 0% 64% 173,507,645 75,545,760 Oil & Gas Exploration Noor-ur-Rehman Islamabad 18,360 Group Life
2018 OGDC 183,851,722 184,439,349 162,838,286 119,886,853 63,964,869 (587,348) 13% 13% 108% 198,085,599 30,888,368 Oil & Gas Exploration Noor-ur-Rehman Islamabad 8,606 Group Life
2017 OGDC 178,321,737 182,651,124 191,789,956 88,519,725 89,802,012 (1,187,584) -5% -5% 83% 148,333,041 73,275,712 Oil & Gas Exploration Noor-ur-Rehman Islamabad 8,967 Group Life
2015 SBP 159,812,118 157,521,589 163,705,740 142,140,807 17,671,311 (17,862) -4% -4% 26% 42,088,914 14,738,122 Financial & Insurance Institutions etc Hasan Aamir Karachi 12,484 Group Life
2015 OGDC 108,713,471 110,040,989 111,034,535 51,373,838 57,339,633 (718,234) -1% -2% 122% 132,563,664 73,184,304 Oil & Gas Exploration Noor-ur-Rehman Islamabad 9,458 Group Life
2014 SBP 100,104,070 100,608,774 116,665,837 65,297,853 34,806,217 - -14% -14% 39% 39,100,000 31,600,000 Financial & Insurance Institutions etc Hasan Aamir Karachi 17,219 Group Life
2014 OGDC 86,006,751 87,051,103 75,824,648 31,840,666 54,166,085 (521,903) 15% 14% 117% 100,318,412 65,914,556 Oil & Gas Exploration Noor-ur-Rehman Islamabad 9,610 Group Life
2017 ARY FILMS 78,847,655 77,878,532 78,451,148 70,027,352 8,820,303 - -1% -1% 23% 18,047,384 4,000,000 Television Network & Newspaper Anila Hasan Karachi 8,141 Group Life
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2016 Dileep Kumar Talreja (100) 4,800 2,100 - (100) - 129% 129% 0% - - Business Services Noor-ur-Rehman Islamabad 4 Group Life
2017 BASHIR AHMED LAGHARI & Co. (2,085) 35,730 34,409 - (2,085) - 4% 4% 0% (1) - Fertilizer manufactures Naveed Bhatti Karachi 18 Group Life
2015 Sakrand Sugar Mills Ltd. (34,027) 1,218,946 848,985 636,738 (670,765) - 44% 44% 0% - - Sugar industry Naveed Bhatti Karachi 345 Group Life
Total
10,256,581,593 10,618,971,703 9,264,798,570 4,304,666,305 5,951,915,288 (300,272,962) 7,620,179,081 4,939,873,865 7,106,963
A.2
-80% -40% 33 13,172,714 935,182 7% 17 10,634,018 680,000 6% 10 10,622,008 767,295 7% 10 13,411,095 2,598,311 19% 6 14,139,594 4,443,040 31%
-40% -20% 53 105,151,751 14,376,943 14% 93 73,321,611 6,549,620 9% 27 67,187,333 18,970,504 28% 28 97,508,401 13,213,190 14% 24 68,644,037 18,435,068 27%
-20% -10% 59 180,827,371 53,110,671 29% 41 125,503,921 34,728,264 28% 31 56,010,516 6,946,694 12% 41 99,129,241 9,109,612 9% 20 39,559,303 10,490,507 27%
-10% 0% 74 74,054,878 7,325,380 10% 53 239,748,877 50,514,382 21% 83 153,512,840 19,444,781 13% 65 208,761,452 38,545,950 18% 33 49,553,802 8,918,613 18%
0% 10% 114 94,263,908 10,999,426 12% 127 110,694,860 5,654,480 5% 119 106,162,875 17,853,291 17% 106 187,157,784 37,439,595 20% 65 114,651,273 28,797,446 25%
10% 20% 120 63,188,173 1,588,648 3% 127 100,053,038 19,398,865 19% 111 146,225,959 42,329,806 29% 99 52,290,229 5,820,354 11% 67 31,270,991 6,487,580 21%
20% 40% 188 127,639,172 17,254,501 14% 164 85,928,809 7,728,689 9% 167 99,077,718 13,977,218 14% 134 112,210,300 18,665,098 17% 63 136,558,090 37,077,734 27%
40% 80% 239 133,793,080 7,734,484 6% 254 146,664,814 14,177,851 10% 266 169,758,243 18,679,135 11% 151 143,974,917 26,731,892 19% 88 91,334,361 18,324,711 20%
80% 160% 194 74,943,905 4,032,315 5% 268 93,926,062 15,544,173 17% 264 67,611,468 7,848,832 12% 147 73,553,611 9,336,252 13% 60 31,555,462 7,127,979 23%
160% 320% 94 32,652,858 2,068,914 6% 96 95,059,173 4,195,521 4% 79 43,130,756 3,570,972 8% 57 53,078,609 11,694,733 22% 31 36,713,105 6,195,249 17%
320% 640% 29 2,961,128 - 0% 30 4,056,606 - 0% 26 5,680,209 279,110 5% 32 8,621,213 688,285 8% 19 16,997,192 2,801,357 16%
1280% 256000% 1 44,545 - 0% 1 205,229 - 0% 1 214,800 4,840 2% 1 250,056 140 0% 1 270,177 42,860 16%
Total 1,198 902,693,485 119,426,464 13% 1,275 1,085,938,278 159,171,845 15% 1,191 925,502,690 150,674,702 16% 877 1,050,487,578 173,907,048 17% 477 631,247,387 149,142,143 24%
-80% -40% 1 506,600 300,000 59% - - - 0% - - - 0% 1 10,944,025 6,825,294 62% 5 8,361,865 5,822,232 70%
-40% -20% 11 40,667,534 25,708,442 63% 7 30,801,006 19,196,307 62% 3 14,816,375 9,769,299 66% 6 20,822,107 13,880,257 67% 15 34,500,903 22,706,488 66%
-20% -10% 5 9,574,124 5,956,808 62% 4 15,907,995 9,180,000 58% 12 88,663,505 58,014,160 65% 3 8,547,812 5,093,103 60% 21 18,238,252 11,693,582 64%
-10% 0% 9 23,974,434 14,033,438 59% 14 37,077,224 24,796,147 67% 11 26,055,615 15,250,402 59% 10 54,511,422 32,936,295 60% 32 107,727,218 78,815,889 73%
0% 10% 15 25,564,610 17,307,687 68% 16 61,419,379 42,592,241 69% 16 314,396,371 202,751,275 64% 15 71,323,639 45,650,337 64% 60 37,258,823 26,252,963 70%
10% 20% 9 9,099,357 5,883,549 65% 12 29,571,919 20,521,309 69% 10 37,604,288 20,514,838 55% 12 38,898,516 24,917,801 64% 48 44,251,667 33,755,891 76%
20% 40% 18 29,015,381 20,179,462 70% 11 13,090,429 8,206,270 63% 18 92,232,310 61,111,738 66% 10 85,115,815 48,094,209 57% 62 52,036,554 37,301,007 72%
40% 80% 11 12,847,680 8,418,446 66% 11 32,352,340 18,660,739 58% 16 21,649,100 14,176,858 65% 20 35,568,037 22,897,964 64% 92 48,831,994 30,416,726 62%
80% 160% 8 11,038,058 7,065,006 64% 4 2,728,882 1,616,000 59% 10 9,331,123 5,594,493 60% 8 18,184,090 12,260,282 67% 56 62,818,117 47,722,105 76%
160% 320% 7 6,937,619 4,573,107 66% 4 1,727,481 1,110,000 64% 5 4,988,461 3,423,814 69% 4 7,414,974 5,194,178 70% 33 23,841,516 17,690,394 74%
320% 640% 1 292,485 194,000 66% - - - 0% 1 175,403 104,364 59% - - - 0% 20 41,647,549 31,529,171 76%
1280% 2560% - - - 0% - - - 0% - - - 0% - - - 0% - - - 0%
Total 95 169,517,882 109,619,945 65% 83 224,676,655 145,879,013 65% 102 609,912,551 390,711,240 64% 89 351,330,437 217,749,720 62% 446 479,611,737 343,779,657 72%
2014 2015 2016 2017 2018
From 80% to 120%
Count Premium Claims LR Count Premium Claims LR Count Premium Claims LR Count Premium Claims LR Count Premium Claims LR
-80% -40% 2 831,077 800,000 96% 1 1,945,667 2,320,768 119% 2 12,263,830 11,574,700 94% - - - 0% 3 13,293,131 11,369,219 86%
-40% -20% 12 36,026,471 36,691,457 102% 6 36,487,551 40,900,000 112% 10 47,260,564 44,683,754 95% 9 111,589,494 110,200,847 99% 6 21,370,595 21,293,049 100%
-20% -10% 10 72,868,257 70,966,793 97% 7 25,743,986 24,891,582 97% 14 64,130,199 65,435,782 102% 10 96,574,034 95,521,328 99% 6 49,208,472 45,622,794 93%
-10% 0% 11 68,411,172 73,785,617 108% 10 24,061,451 22,461,312 93% 11 52,165,846 50,780,004 97% 16 242,918,154 219,462,489 90% 9 72,890,638 69,354,113 95%
0% 10% 13 26,429,863 26,474,180 100% 20 35,962,702 38,332,283 107% 14 23,864,648 25,113,567 105% 18 40,485,713 37,890,584 94% 12 31,319,635 31,761,539 101%
10% 20% 13 145,998,022 160,977,405 110% 12 68,499,998 70,437,494 103% 12 19,611,848 19,957,382 102% 10 12,453,315 12,885,437 103% 9 195,297,914 209,470,043 107%
20% 40% 16 38,292,774 38,222,488 100% 13 20,994,019 19,919,861 95% 14 57,290,872 52,610,611 92% 17 62,825,241 61,767,461 98% 11 17,587,253 17,244,107 98%
40% 80% 20 15,162,039 14,568,702 96% 19 31,120,249 28,998,092 93% 20 26,172,491 23,893,181 91% 10 13,214,642 12,845,568 97% 14 85,893,021 86,395,759 101%
80% 160% 5 1,152,720 1,169,140 101% 21 15,456,679 14,707,023 95% 12 6,415,002 6,197,960 97% 5 26,047,269 23,127,214 89% 10 40,310,187 36,012,281 89%
160% 320% 2 1,790,055 1,496,000 84% 1 190,448 200,000 105% 2 2,850,897 2,661,361 93% 6 3,622,975 3,884,572 107% 3 7,688,020 6,223,295 81%
320% 640% 1 36,610 29,662 81% - - - 0% 2 6,150,085 6,999,967 114% - - - 0% 1 8,751,367 8,626,134 99%
640% 1280% - - - 0% - - - 0% - - - 0% - - - 0% - - - 0%
1280% 2560% - - - 0% - - - 0% - - - 0% - - - 0% - - - 0%
Total 105 406,999,058 425,181,444 104% 110 260,462,751 263,168,414 101% 113 318,176,282 309,908,269 97% 101 609,730,836 577,585,500 95% 84 543,610,232 543,372,331 100%
A.3.
2014 2015 2016 2017 2018
S. No Group Name Total Claims Net Loss
Premium Claims Premium Claims Premium Claims Premium Claims Premium Claims Premium
1 Telephone Communication & Postal services - - - - - - 104,911,879 128,801,043 72,800,048 109,515,555 177,711,927 238,316,598 (60,604,671)
2 Television Network & Newspaper 20,933,596 24,705,406 - - 39,226,830 87,057,739 - - - - 60,160,425 111,763,144 (51,602,719)
3 Courier and Cargo 13,940,134 17,518,734 14,622,089 31,915,277 32,069,035 49,658,255 - - - - 60,631,257 99,092,266 (38,461,009)
4 Educational Institutes - - - - - - 116,806,307 130,052,797 55,264,212 75,325,522 172,070,519 205,378,319 (33,307,800)
5 Oil & Gas Exploration 110,876,674 110,966,081 146,356,913 166,495,890 - - - - 198,099,080 206,401,965 455,332,667 483,863,936 (28,531,269)
6 Business Services - - - - 213,222,400 239,845,839 - - - - 213,222,400 239,845,839 (26,623,440)
7 Building construction - - 13,951,140 27,372,260 - - - - 5,711,216 16,566,397 19,662,356 43,938,657 (24,276,301)
8 Petroleum refining and related industries - - - - - - 53,609,002 71,655,002 - - 53,609,002 71,655,002 (18,046,000)
9 Leather and leather products 4,401,985 5,423,930 1,932,387 2,406,500 1,807,535 3,433,660 5,409,649 7,537,049 422,921 1,818,283 13,974,476 20,619,422 (6,644,946)
10 Trucking and warehousing 1,248,310 7,000,000 - - - - - - - - 1,248,310 7,000,000 (5,751,690)
11 Livestock and poultry farming - - 3,110,370 5,343,686 - - 3,873,011 6,469,012 364,851 1,274,581 7,348,233 13,087,279 (5,739,046)
12 Textile mill products - - - - - - - - 147,118,102 152,745,553 147,118,102 152,745,553 (5,627,451)
13 Fertilizer manufactures - - 4,144,121 4,600,000 - - 5,065,679 5,770,779 8,683,186 12,881,262 17,892,987 23,252,041 (5,359,055)
14 Transportation services - - - - 22,090,540 23,956,906 - - 4,800,439 8,205,914 26,890,980 32,162,820 (5,271,840)
15 Blast furnace and basic steel products - - - - - - - - 22,982,173 28,195,603 22,982,173 28,195,603 (5,213,430)
A.4