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Your Risk Is Secure with Us Annual Report 2015 YOUR RISK IS SECURE WITH US UIG HOUSE 2nd Floor, 6-D, Upper Mall, Lahore UAN: (92-42) 111-000-014 T: (92-42) 35776475-85 F: (92-42) 35776486-87 E: [email protected] 56 Years of excellence www.theunitedinsurance.com Rated A+ by PACRA EVERY DAY WE WORK CLOSELY WITH OUR CLIENTS TO CREATE SOLUTIONS THAT ARE BOTH INNOVATIVE AND PRACTICAL. SOLUTIONS THAT MEET THE CHALLENGES FACING THEIR BUSINESSES. Annual Report 2015 Improving our YOUR RISK IS SECURE WITH US customer experience UIG HOUSE 2nd Floor, 6-D, Upper Mall, Lahore UAN: (92-42) 111-000-014 T: (92-42) 35776475-85 F: (92-42) 35776486-87 E: [email protected] Our aspiration is to be the leading personal and small business general insurer in the Pakistan. That is why our customers are at the heart of everything we do. 56 Years of excellence Our performance has enabled us to invest in improving experiences for them. To be the best, we will www.theunitedinsurance.com Rated A+ by PACRA continue expanding our capabilities, enhancing our projects, and improving our services. Key information Our 2015 performance was strong, with continued progress towards achieving our 2011–2015 financial targets. • We continued our focus on Gross Premiums written Investments customer centricity and (Rs. in Million) (Rs. in Million) sustainability. 2015 3,062.16 2015 1,036.46 • UIC and Al Tamim Takaful 2014 2,474.74 2014 642.63 posted 2015 underlying gross premiums and Percentage Percentage contributions written in a 24 61 challenging environment: Net Premium Profit After Tax - Conventional Rs. (Rs. in Million) (Rs. in Million) 3,062.16 million 2015 2,151.78 2015 620.03 - Takaful Rs. 503.60 1,536.70 460.89 million 2014 2014 • Capital and liquidity Percentage Percentage positions improved. 40 35 • UIC continued to de-risk, Net Claims streamline its portfolio and (Rs. in Million) strengthen its business lines. 2015 742.33 2014 419.43 Percentage 77 Net Commission A+ (Rs. in Million) Rated by: PACRA 2015 201.02 2014 110.60 Percentage 82 Underwriting Profit (Rs. in Million) 2015 798.28 2014 629.07 Percentage 27 Contents COMPANY INFORMATION INVESTOR INFORMATION CORPORATE GOVERNANCE 7 United International Group 18 Social activities 48 Directors’ report to the members 10 Corporate calendar 20 Board of directors 56 Report on corporate 11 Our network 22 Corporate information and financial reporting framework 12 Core beliefs 23 Committees composition 60 Code of conduct 15 Vision / Mission statement 24 Key management personnel 61 Review report to the members on statement of 25 Bankers & leasing compliance with the code of companies corporate governance 26 The United insurance at a 62 Statement of compliance glance with the code of corporate governance 27 Six years at a glance 65 Pattern of shareholding 28 Vertical analysis 66 Categories of shareholding 30 Horizontal analysis 75 Directors’ report to the 33 Segment wise outline members (Urdu) 42 Group chairman’s message 44 Chief executive’s message WINDOW TAKAFUL OPERATIONS FINANCIAL STATEMENTS FINANCIAL STATEMENTS ANNUAL GENERAL MEETING 77 Financial statements 158 Financial data at a glance 227 Notice of annual general meeting 78 Auditors’ report to the 160 Directors’ report to the members members 233 Form of proxy 80 Balance sheet 167 Directors’ report to the 235 Form of proxy in (Urdu) members (Urdu) 82 Profit and loss account 168 Shariah advisor report to 83 Statement of comprehensive the board of directors income 171 Financial statements 84 Statement of changes in equity 172 Shariah auditors’ report on compliance 85 Statement of cash flows 174 Auditors’ report to the 87 Statement of premiums members 88 Statement of claims 176 Balance sheet 89 Statement of expenses 178 Profit and loss account 90 Statement of investment 179 Statement of Income comprehensive income 91 Notes to the financial 180 Statement of changes in statements funds 149 Our branches 181 Statement of cash flows 183 Statement of contributions 184 Statement of claims 185 Statement of expenses 186 Statement of investment income 187 Notes to the financial statements 225 Our branches United Insurance Company of Pakistan Ltd. Annual Report 2015 4 Committed to finding smarter solutions together Company Information In achieving our environmental goals, we rely on the engagement of our employees and the growing awareness of society at large Pages 7 Investor Information We are not just another Insurance Company. We are a success partner and a trusted friend, and we are building a better tomorrow. Pages 17 Corporate Governance Throughout the years, UIC has earned its distinction through reliability, transparency, sound business judgement, value creation, innovation and superior results. Pages 47 Financial Statements Pages 77 United Window Takaful Operations Pages 157 Window Takaful Operations Financial Statements Pages 171 Annual General Meeting Our focused business model, global footprint and culture of teamwork oriented professionals put us in a strong position to meet our clients’ needs and generate superior returns for our shareholders. Pages 227 5 United Insurance Company of Pakistan Ltd. Annual Report 2015 6 Company Information In achieving our environmental goals, we rely on the engagement of our employees and the growing awareness of society at large We are confident about the future development of the Group. Our strong corporate governance structure, underpinned by experienced top managers with a solid track record of working together as a team, has enabled us to successfully implement our strategy to build the largest full-service private financial group in Pakistan. Read more online: www.theunitedinsurance.com 7 United Insurance Company of Pakistan Ltd. Annual Report 2015 8 United International Group We’re leading our sector and working with our clients to advance the cause of sustainability — even in places where you might not expect us. 1. The United Insurance Company of Pakistan Limited. 2. APNA Micro Finance Bank Limited. 3. United Track System (Pvt.) Limited. 4. United Software & Technologies International (Pvt.) Limited. 5. United International Farms. 6. Tawasul Insurance Services LLC, Abu Dhabi. 7. Tawasul Risk Management Services (Pvt.) Limited. 8. UIG Global Services Limited, UK. Read more online: www.theunitedinsurance.com 9 United Insurance Company of Pakistan Limited Annual Report 2015 Corporate Calendar 2015 March 19, 2015 Audit Committee and Board of Directors meeting to consider annual accounts of the Company for the year ended December 31, 2014. April 13, 2015 April 29, 2015 Annual General Meeting of Audit Committee and Shareholders to consider Board of Directors annual accounts of the meeting to consider Company for the year ended quarterly accounts of the December 31, 2014 and Company for the quarter dividend announcement. ended March 31, 2015. August 27, 2015 October 29, 2015 Audit Committee and Board Audit Committee and Board of Directors meeting to of Directors meeting to consider quarterly accounts consider quarterly accounts of the Company for the of the company for the quarter ended June 30, quarter ended September 2015. 30, 2015. 10 Our Network North Region South Region Islamabad Karachi Rawalpindi Hyderabad Peshawar Multan Azad Kashmir Rahim Yar Khan East Region West Region Lahore Quetta Sahiwal Ziarat Faisalabad Gujranwala Sialkot Read more online: www.theunitedinsurance.com 11 United Insurance Company of Pakistan Limited Annual Report 2015 Core Beliefs UIC believes in providing • Surpassing the values throughout the entire organization. high quality solutions These principles will guide us to succeed in our business, to risk exposures to the and will serve us well ahead into the future from day-to-day fulfillment of its customers business operation to product development and customer through: services. • Building the team that takes responsibility for the delivery of our services. By developing our technical & marketing staff, who may deliver services competently. Also give them a sense of pride in the Company. • Believing that by being pro-active and meeting the changing needs of our clients through value – added products and services, meeting the aspirations of all our stakeholders. • Also believing that quality of work is the key factor in an organization. So, continuous quality improvements shall be the key drivers in our management processes. • Our commitment to integrity, customer centricity, sustainable value creation, excellence and teamwork fosters trust with our shareholders and our customers. It nurtures talent and mitigates internal risks through openness and transparency. It helps us secure the support of regulators and the investment community. It nurtures talent and mitigates internal risks through candor and transparency. It helps us secure the support of regulators and the investment community. » Integrity To treat everyone fairly and honestly. To comply with all applicable laws, regulations and internal policies. » Customer centricity To put our customers at the heart of all we do. We utilize of our global scale experience to convert insights and observations into useful ideas that we put to work for our customers. » Sustainable value creation To create and sustain value for our customers, our shareholders, our people and society. To maintain a culture of 12 Core Beliefs precision, stability and reliability that instills confidence and trust in our commitment to deliver when it matters – now and in the future. A key component of sustainable value creation, and indeed of all our values, is our commitment
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