The Financial Performance Anlaysis Of

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BY: SHARAT.E

Under the guidance of Internal Guide

DEEPAK KUMAR D

PROFESSOR MBA Dept, RNSIT

External Guide

Mr. VIJAY KUMAR RELATIONSHIP MANAGER

ARlI



INDUSTRY PROFILE Insurance

Types of insurance

Mission of IRDA:“To protect the interests of thepolicyholders, to regulate, promote and ensureorderly Growth of the insurance industry and formatters connected therewith or incidental There

to.”

Duties, Powers and Functions of IRDA



COMPANY PROFILE Company name: AEGON RELIGARE Life

Insurance.

Company was registered in June 27, 2008.

CEO: RAJEEV JAMKHEDKAR

TOTAL ASSETS: 1729.88 crores

Head office is in MUMBAI



COMPANY PROFILE



COMPANY PROFILE INFRASTRUCTURE FACILITIES

Customer desk

Separate cubical

COMPETITOR’S

Birla sun life, Tata AIG, Bharathi AXA, Reliance,

Aviva



MCKINSEY’S 7’S MODEL STRUCTURE

STRATEGY

SKILLSSYSTEMS

STYLE

SHARED VALUESSTAFF



STRUCTURE

BOD

HEAD OFINVESTMENT

HEAD OF FINANCEHEAD OF HUMAN

RESOURSEHEAD OF

MARKETING

HEAD OF SALES AND

DISTRIBUTION

FUNCTIONALZONE HEAD

SOUTHERN ZONEHEAD

REGIONAL HEAD

BRANCH MANAGER

RELATIONSHIPMANAGER

EXICUTIVES

BUSINESSDEVELOPMENT

MANAGER

ASSISTANAT BDM

PORTFOLIOMANAGER

DEALEARS

IT CUSTOMERSSUPPORT ANDOPERATIONAL

MANAGER

NORTHERN ZONEHEAD

WESTERN ZONEHEAD

EASTERN ZONEHEAD

CENTRAL ZONEHEAD

CEO



STRATERGYGoals and Objectives:

Products at low cost and high benefits

Customized financial plan as per the individual

MISSION

quality protection with value pricing



SKILLS If employee give poor performance, they will give

chance to Upgrade the skills by training.

Employees should have required skills to performthe tasks.

Their performance is evaluated and rewards.



SYSTEM cost accounting procedures,

Recruitment,

Training and development systems, Risk management system.

STYLE Decentralization of authority is emphasized in the

organization



SHARAED VALUES To help people plan their life better

Understanding the needs of customers and offering

them superior products and services. Leveraging technology to service customers quickly,

efficiently and conveniently.

STAFF well experienced skilled and organized staff



SWOT ANALYSIS STRENGTHS Innovative Policies with emphasis on long term returns

Online products like iTerm WEAKNESSES

Less penetration in rural areas

Small agent base catering to huge customer base

OPPORTUNITIES

Growing rural market

Cross selling through financial services such as banking THREATS

Insurance has to face tough competition

Entry of new NBFCs in the sector.

STRENGTHS

• Innovative Policies withemphasis on long term returns

• Online products like iTerm

WEAKNESSES

•Less penetration in rural areas

• Small agent base catering to huge

customer base

OPPORTUNITIES

• Growing rural market

•Cross selling through financial servicessuch as banking

THREATS

• Insurance has to face toughcompetition

• Entry of new NBFCs in the sector.



PART B“THE FINANCIALPERFORMANCE ANLAYSIS”

Statement of problem:

To determine the strength and performance of the AEGON RELIGARE Life Insurance Company is beinganalyzed.

Financial statement analysis is to diagnose the

information contained in financial statements so as to judge profitability and financial soundness of the firm.



OBECTIVE OF THE STUDY To study the financial performance of AEGON

RELIGARE Life Insurance.

To find out the reasons affecting the financialperformance of the company.

To suggest the organization in order to improve itsfinancial performance.

To know the financial position of the company.



RESEARCH METHODOLOGYSources of data

Primary data

Secondary data

TOOLS USED Comparative analysis of the balance sheet and P/L

account.

Trend percentage analysis.



LIMITATIONS The study is confined to only analysis of financial

performance analysis in AEGON RELIGARE LifeInsurance.

Calculation are done on past financial statement andthus forecasted.

Time constrain.

Busy schedule of senior officers



FINDINGS The fixed assets increasing in 2009, and slowly it

decreasing year by year.

The gradual increasing the owners fund As the total credit (expenditure) percentage of the

company is increasing in 2009 and decreasing in2010

The profit margin is decreasing from 83% to 71.6% inthe year 2009 to 2010.



SUGGESTION As current ratio indicates ARLI liquidity position is

not satisfactory must try to stabilize its current

ratio which is currently decreasing. The EPS is also decreasing state so try to overcome

from decreasing, which may help to grow in themarket.

To increases the owners fund, profit ratio, tostabilized the ratio.



CONCLUSION In assessing financial stability of a firm

If ARLI should taken care of current ratio, EPS and

fixed assets turnover ratio implemented in all thestages, changes of ARLI doing well in the marketand industry will be more in the future.



THANK YOU

The Financial Performance Anlaysis Of

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