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Presenter: Amara Gondal

General Insurance Balance Sheet October 28, 2010. Presenter: Amara Gondal. Underwriting Assets Vs. Liabilities. u/w Provision. u/w Provision. u/w Provision. u/w Provision. INVESTMENTS. Bank Deposits Governments Securities Equities – Listed Mutual Funds Debt Securities – Listed

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Presenter: Amara Gondal

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  1. General Insurance Balance SheetOctober 28, 2010 Presenter: Amara Gondal

  2. Underwriting Assets Vs. Liabilities u/w Provision u/w Provision u/w Provision u/w Provision

  3. INVESTMENTS Bank Deposits Governments Securities Equities – Listed Mutual Funds Debt Securities – Listed CoI/ Debentures/ Unlisted TFCs/ Placements Equities – unlisted Investment properties Historical Performance Credit Risk Market Risk Total return Risky investments Asset valuation Yield Diversification of portfolio Interest rate environment Default experience Guidelines Liquidity Systems & Controls Maturity

  4. Balance Sheet Analysis Level of capital in relation to underwriting business and reinsurance 1. Premium Solvency Ratio [Equity/NPW] 1a. Premium Solvency Ratio (Market Value Adjusted) [Adjusted Equity/NPW] Level of capital in relation to adequacy of loss reserve 2.Reserves Solvency Ratio [Net Provision for Outstanding Claims/Equity] 2a. Reserves Solvency Ratio (Market Value Adjusted) [Net Provision for Outstanding Claims/Adjusted Equity] 3. Net Underwriting Provisions / Equity 4. Financial Base / NPW LIQUIDITY 1. Liquid Assets / Net Underwriting Provisions 1a. Liquid Assets (Market Value Adjusted) / Net Underwriting Provisions 2. Liquid Assets / Total Assets Profitability Capital adequacy Solvency Financial flexibility

  5. _ THANK YOU

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