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Group No-5

Insurance Sector-
•Devesh Kar (2211118)
•Santosh Kesari (2211152)
•Rahul Khandelwal(2211143)
•Balraj Singh(2211156)
•Sandeep Singh(2211157)
•Nitin Pujari(2211143)
•Karan(2211127)
•Prajeet(2211141)

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A Brief Study Of
Bajaj Allianz
“Allianz Knows Insurance and Bajaj Knows India BETTER!”
Existence of Bajaj Allianz

On 2nd May 2001 Company got


registration under “IRDA” to
conduct Insurance business
(including Health Insurance
business) in India.
Vision
Mission
As a responsible, customer focused market leader, we
will strive to understand the insurance needs of the
consumers and translate it into affordable products
that deliver value for money.
Key Achievements in FY 2005-06 :
Bajaj Allianz- THE PRESENT

• Product tailored to suit your needs 
• Decentralised organisation structure for faster response 
• Wide reach to serve you better – a nationwide network of 700 + 
branches 
• Specialised departments for Bancassurance, Corporate Agency 
and Group Business 
• Well networked Customer Care Centres (CCCs) with state of art 
IT systems   
• Highest standard of customer service & simplified claims process 
in the industry 
• Website to provide all assistance and information on products 
and services, online buying and online renewals. 
• Toll-free number to answer all your queries, accessible from 
anywhere in the country – Call Now 1800 22 5858 and a
strong tele-marketing and Direct marketing team • Swift 
and easy claim settlement process 
Focused Sales Network
Tie Ups With Banks

Pioneers of Bancassurance in  
India...
Having pioneered the 
phenomenon, Bancassurance is 
one our core business strategies. 
Two of our strong Bancassurance 
tie-ups are:
Standard Chartered Bank 
Syndicate Bank
Performance Of the Year 2004-2005

FY 2004- FY2003-04 Growth in


05 Percentag
e
GWP Rs 1000Cr Rs219 Cr 375%

New Business Rs 860 Cr Rs 179 Cr 380%


(3times the pvt
insurers average)

Market Share amongst 15.5% 7.3% 112%


pvt Insurers
Market Share amongst 3.39% 0.95% 257%
all Insurers
Rank amongstn pvt
Insures
2 6
Pvt Life Insures FYP
growth
128%
All Life Insurers FYP
growth
35%
Ranking Of other Life Alliance
Sr. Foreign Partner Revenues Ranking in
$ billion Fortune 500
1 Allianz AG-Germany 85.92 12
2 ING Group- 82.99 20
3 Netherlands
AIG-USA 62.40 34
4 Aviva-France 52.31 48
5 Prudential-UK 35.82 106

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Allianz - Allianz AG with over 110
years of experience in over 70
countries
Bajaj Auto - Trusted for over 55
years in the Indian market

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The Company has an authorized
and paid capital of Rs 110
crores. Bajaj Auto holds 74% and
the remaining 26% is held by
Allianz, AG, Germany

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It’s Achievements… .
Bajaj Allianz today has a network of 42 offices spread
across the length and breadth of the country. From
Surat to Siliguri and Jammu to Thiruvananthapuram,
all the offices are interconnected with the Head Office
at Pune.
No of policies sold in 
GWP in FY 
Fiscal Year FY 
2001-2002 (6mths) 21,376 Rs 7 cr. 
2002-2003 1,15,965 Rs 69 cr. 
2003-2004 1,86,443 Rs 221 cr.
2004-2005 2,88,189 Rs 1002 cr. 
2005-2006 7,81,685 Rs 3134 cr. 
Ratios for the year ended 31st March

Particulars 2006 2005

Growth in Gross Written Premium 50% 78%

Growth in Net Earned Premium 58% 61%

PBT/Shareholders' Equity 30% 42%

Reserves/Share Capital 151% 66%

Return on Average Equity 24% 29%

Retention 55% 56%

Claims Ratio 70% 61%

Liquid Assets/Net Outstanding Claims 39% 142%

Insurance Reserves/NEP 108% 109%

Shareholders' Equity /NEP 47% 49%


IMPORTNT RATIOS
CURRENT RATIO
QUICK RATIO
NET PROFIT RATIO
ASSETS TURNOVER RATIO
RETURN ON CAPITAL EMPLOYED
PROPERITORY RATIO
DEBT EQUITY RATIO
Debt equity ratio
2004-2005 2002-2003
Debt equity ratio = Debt equity ratio =
Long term debts/ Long term debts/
shareholders fund shareholders fund

Long term debts Long term debts


12269.9 14671.5
Shareholders fund shareholders fund
41343.5 47707.3
Debt equity ratio Debt equity ratio
0.29 0.30
Assets turnover ratio
2004- 2005 2005- 2006
Assets turnover ratio= Assets turnover ratio=
Sales / total assets Sales / total assets

Sales 65416.0 Sales 85498.6


total assets 55012.4 total assets 63254.6

asset turnover ratio = asset turnover ratio =


1.18 times 1.35
NET PROFIT RATIO
2004- 2005 2005- 2006
N.P RATIO =NPAT/SALES *100 N.P RATIO =N.P/SALES *100

Net profit 7668.1 Net profit 11016.3


Sales 65416 Sales 85498.6

NP ratio 11.72 NP ratio 12.88


Proprietory ratio
2004-2005
Proprietary ratio
2005-2006
= proprietors fund / T.A Proprietary ratio
proprietory fund =41343.50
Total assets=55012.4 = proprietors fund /
T.A
Proprietary ratio=0.75
proprietory fund
47707.3
total assets
63254.6
proprietory ratio
0.75
CURRENT RATIO
2004-2005 2005-2006
C.A = 25897.4 C.A = 28560.7
C.L = 27939.7 C.L. = 35447.6

C.A. RATIO C.A. RATIO


= C.A. / C.L = C.A. / C.L
=0.92 = 0.86
QUICK RATIO
2004-2005
Q.R. = Q.A/ Q.L
2005-2006
Q.R. = Q.A/ Q.L
QUICK ASSETS
= C.A. – STOCK – PREPAID
ADVANCES QUICK ASSETS
= C.A. – STOCK – PREPAID
ADVANCES
QUICK LIABLITIES
= C.L. – BANK OD
QUICK LIABLITIES
= C.L. – BANK OD
Q.R.= 23655.7\27939.7
= 0.84
Q.R.= 25831.4\35447.6
= 0.72
Return on capital employed
2004- 2005 2005- 2006
Return on cap. Emp. = Return on cap. Emp. =
PBIT/ Capital Employed PBIT/ Capital Employed

PBIT=10864.4 PBIT=15807.4
Capital Employed=55012.4 Capital Employed=63254.6

Return on cap. Emp=19.74 Return on cap. Emp=24.99


Financial Highlights Year 2005 -06

Comparison Between Life Insurance Compan