Appendix

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

2014 2015 2016 2017 2018

Below 50%
Count Premium Claims LR Count Premium Claims LR Count Premium Claims LR Count Premium Claims LR Count Premium Claims LR

-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%

640% 1280% - - - 0% 4 141,259 - 0% 7 307,965 2,225 1% 6 540,668 63,637 12% - - - 0%

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%

2014 2015 2016 2017 2018

From 50% to 80%
Count Premium Claims LR Count Premium Claims LR Count Premium Claims LR Count Premium Claims LR Count Premium Claims LR

-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%

640% 1280% - - - 0% - - - 0% - - - 0% - - - 0% 2 97,278 73,210 75%

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

2014 2015 2016 2017 2018 Total

Strength Bands
Coun Coun Coun Coun Coun Coun
Premium Claims LR Premium Claims LR Premium Claims LR Premium Claims LR Premium Claims LR Premium Claims LR
t t t t t t
3,02 61
- 100 664 95,877,423 48,321,206 50% 780 107,549,131 68,174,660 63% 760 105,653,548 71,446,268 68% 441 90,280,374 55,009,578 61% 380 49,376,945 30,035,589 61% 448,737,421 272,987,302
5 %
52
100 200 219 77,085,165 30,479,816 40% 234 85,391,982 46,454,184 54% 194 83,433,527 50,225,971 60% 168 90,744,703 33,664,855 37% 151 59,020,491 43,682,288 74% 966 395,675,868 204,507,114
%
1,01 64
200 400 262 153,337,882 98,933,039 65% 217 133,360,189 98,211,512 74% 190 157,070,207 82,074,187 52% 182 169,954,408 93,268,698 55% 164 96,989,781 81,824,901 84% 710,712,467 454,312,336
5 %
141 1,04 1,280,922,78 1,005,661,1 79
400 800 207 265,451,913 134,574,361 51% 217 270,775,556 148,290,195 55% 216 259,050,256 366,000,168 202 260,499,836 172,498,716 66% 201 225,145,218 184,297,744 82%
% 3 0 84 %
1,420,644,74 1,037,137,4 73
800 1,600 136 264,577,403 162,337,101 61% 145 297,678,241 225,680,377 76% 132 288,609,964 183,663,031 64% 128 307,063,633 245,737,305 80% 133 262,715,505 219,719,587 84% 674
7 01 %
1,375,961,27 1,093,738,4 79
1,600 3,200 71 169,067,941 121,070,353 72% 77 242,463,563 218,628,460 90% 84 345,401,028 285,614,287 83% 75 364,003,561 272,236,010 75% 82 255,025,181 196,189,345 77% 389
5 55 %
1,550,440,98 1,124,211,4 73
3,200 6,400 47 260,547,250 202,611,507 78% 39 287,433,915 188,942,285 66% 42 345,912,535 232,226,571 67% 42 340,845,766 282,072,731 83% 35 315,701,519 218,358,307 69% 205
5 01 %
111 1,613,446,24 1,398,372,8 87
6,400 12,800 31 188,535,332 144,255,461 77% 20 410,138,273 312,694,741 76% 13 108,425,598 91,004,342 84% 14 427,259,545 317,913,441 74% 19 479,087,498 532,504,826 97
% 6 11 %
12,80 1,385,588,17 69
25,600 5 196,535,840 123,541,327 63% 24 138,333,090 61,438,746 44% 26 467,040,943 300,429,956 64% 30 340,081,046 248,484,114 73% 26 243,597,252 224,401,533 92% 111 958,295,676
0 0 %
25,60 115 106 146 95
51,200 1 3,565,077 4,092,271 1 4,685,958 4,967,637 2 11,814,712 17,248,589 - - - 0% 8 20,864,082 12,410,000 59% 12 40,929,829 38,718,497
0 % % % %
51,20 102,40 105 120 96
1 4,722,308 2,980,946 63% 1 5,493,971 4,947,652 90% 1 6,367,484 5,449,786 86% 1 9,640,049 10,117,317 1 7,297,993 8,741,202 5 33,521,805 32,236,903
0 0 % % %
1,64 1,679,303,5 1,073,197,3 1,75 1,983,303,8 1,378,430,4 1,66 2,178,779,8 1,685,383,1 1,28 2,400,372,9 1,731,002,7 1,20 2,014,821,4 1,752,165,3 7,54 10,256,581,5 7,620,179,0 74
Total 64% 70% 77% 72% 87%
4 34 88 5 69 50 0 03 57 3 22 65 0 65 22 2 93 81 %