Hailey College of Bankng and Finance Punjab University Lahore
Hailey College of Bankng and Finance Punjab University Lahore
Hailey College of Bankng and Finance Punjab University Lahore
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“EFU GENERAL INSURANCE”
CHAPTER NO 1
Introduction and Historical Background
INTRODUCTION:
EFU is the largest insurer group in the country. The group structure comprises of
EFU General Insurance Limited, EFU Life Assurance Limited and Allianz EFU Health
Insurance Limited.
EFU General was incorporated on September 2, 1932. The Company provides a
full range of insurance services to fulfill the needs of all of its customers being
commercial and individual clients.
Vision:
To continue our journey to be better than the best.
Mission:
To provide services beyond expectation with a will to go an extra mile. In the
process, continue to upgrade technology, human resource and reinsurance
protection.
Values:
Our philosophy is to be the leading Company with service above par, with
integrity, excellence and professionalism.
Core Values:
INTEGRITY & ETHICS:
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Conduct business with ethics, dignity, fairness and transparency.
EXCELLENCE:
We measure our performance by results but more by quality of service.
PROFESSIONALISM:
We believe professionalism is perfection. Business resources are utilized in a
manner to achieve optimum returns on resources.
OUR PEOPLE:
In EFU we work like a family. Everyone is treated with respect and without any
discrimination.
CODE OF CONDUCT:
The Board has adopted the Statement of Ethics and Business Practices to be
followed by Directors and Employees
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EFU BEGINNING
In the early 30s of the 20th century, under the inspiration of the Quaid-e-Azam
Mohammad Ali Jinnah, there began to appear signs of economic renaissance of the
Muslims of India. Shipping, Airline, Banking and Insurance companies made their
debut.
In 1932, Mr. Ghulam Mohammad, a far sighted man, established Eastern Federal
Union Insurance Company (EFU) with financial assistance from the Aga Khan III and
the Nawab of Bhopal. Mr. Abdur Rehman Siddiqui became the founder chairman.
The company was originally registered at Kolkata.
In 1947, EFU found a new home in a new country. In Pakistan, EFU rapidly
established itself as a progressive and innovative insurer. It gave the emerging
insurance industry the leadership, the manpower and the drive needed to grow in
a situation where at one time, three-fourths of insurance was held by foreign
companies.
By 1961, EFU had become the flag bearer of Pakistan's insurance industry on the
world stage, and the largest life company in Afro-Asian countries (excluding Japan)
under the leadership of Mr. Roshen Ali Bhimjee. It remained so until 1972 when
Life Assurance business in Pakistan was nationalized. Thereafter EFU operated
solely as a General Insurance Company, and was subsequently renamed EFU
General Insurance Limited. Now EFU General is the largest non-life insurance
company in the country and the mother company of other insurance organizations
of EFU Group.
Traditionally the EFU name has become synonymous with progressiveness and
prompt claim settlement and now the EFU being the largest insurance group
provides a full range of general, life and health insurance services.
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EFU CORPORATE SETUP
General Insurance:
Life Assurance:
EFU Life Assurance Limited was incorporated in Pakistan on August 09, 1992 as
a public limited company under the Repealed Companies Ordinance, 1984 and
started its operation from November 18, 1992. It is engaged in ordinary life
business, pension fund business and accident and health business.
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CHAPTER NO 2
Organizational Setup
MANAGEMENT
Chairman:
Saifuddin N. Zoomkawala
Mr. Saifuddin N. Zoomkawala has been associated with EFU Group since
1964. He also worked as General Manager for Credit & Commerce
Insurance Company at UAE, an insurance company of EFU group. He
served as Managing Director of EFU General Insurance Limited from July
10, 1990 till July 2011 when he was elected Chairman of the Company.
Hasanali Abdullah
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Branch of Aga Khan University Foundation Geneva. Director of Institute
of Financial Markets of Pakistan.
Board of Directors:
1-Rafiq R. Bhimjee
He has worked overseas in Merrill Lynch Asset Management, New York and Abu
Dhabi Investment Authority.
Mr. Rafique Bhimjee was the Chairman of EFU General Insurance Ltd. from
February 1999 to July 2011 and became Chairman of EFU Life Assurance Ltd in
July 2011. He is also a Director of Allianz EFU Health Insurance Ltd. and EFU
Services (Pvt.) Ltd
2-Saifuddin N. Zoomkawala
Mr Saifuddin N. Zoomkawala has been associated with EFU Group since 1964. He
served as Managing Director of EFU General Insurance Ltd from 1990 till 2011 when
he was elected Chairman of the Company. He is also the Chairman of Allianz EFU
Health Insurance Ltd. He was also Chairman of EFU Life Assurance Ltd. from 1999
to 2011.
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He is on the Board of Governors of Shaukat Khanum Memorial Trust; SIUT; Burhani
Hospital; and Fakhr-e-Imdad Foundation and on the Board of German Pakistan
Chamber of Commerce & Industry.
3-Taher G. Sachak
Mr. Taher G. Sachak has studied in the UK and is a graduate in Business Studies
from Bournemouth University, and also has a post-graduate Diploma in
Management Studies from Liverpool University. Following his studies, he joined the
British Civil Service and after 5 years decided to pursue a career in life assurance.
He held executive positions in major UK Life Assurance Companies, Allied Dunbar,
Trident Life and finally Century Life before coming to Pakistan in 1994 to join EFU
Life.
He is also a Director of EFU General Insurance and Vice Chairman of Allianz EFU
Health and on the Executive Committee of Pakistan Insurance Institute and a
“Certified Director” from Pakistan Institute of Corporate Governance.
4-Muneer R. Bhimjee
Mr. Muneer R. Bhimjee,has been associated with EFU since July 1993. He is a
Graduate (Hons) in Social Sciences from University of Westminster, London.
He is also a Director of International Foundation Garments (Pak) Pvt. Ltd. and on
the board of Allianz EFU Health.
5-Hasanali Abdullah
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of the company from 2011. He is Director of EFU Life Assurance Ltd., Allianz EFU
Health Insurance Ltd., EFU Services (Private) Ltd., Tourism Promotion Services
(Pakistan) Limited (owners of Serena Hotels in Pakistan), Honorary Treasurer of Aga
Khan Hospital & Medical College Foundation, Member of National Committee of
Pakistan Branch of Aga Khan University Foundation Geneva. Director of Institute
of Financial Markets of Pakistan.
He has served on the Boards, Council and Committees of various Aga Khan
Development Network institutions from 1976 to 2002. He has been Director of
PICG in 2011, Chairman of Insurance Association of Pakistan for the year 2008, 2010
– 11 and 2016 – 2017, Executive Committee Member of Federation of Pakistan
Chambers of Commerce & Industries for 2011 & 2017 and Chairman of Pakistan
Insurance Institute 2014 – 15.
Mr. Heinz Dollberg, based in the Asia Pacific Division of Allianz SE in Munich since
1998, was responsible for managing operations in Asia, the Middle East and North
Africa. He frequently travelled between Allianz headquarters in Munich and the
subsidiaries to oversee operations. He has over three decades of experience at
Allianz.
In the 1980’s, Mr. Dollberg worked in Tokyo and Hong Kong, and was part of the
pioneering team that established the Group’s widespread operations in the Asia
Pacific.
Mr. Dollberg holds a degree in Law and holds executive positions with numerous
subsidiaries of Allianz. He was appointed, Honorary Professor by two well reputed
universities in China — South Western University of Chengdu, as well as the Tongji
University of Shanghai.
Mr. Syed Salman Rashid has done B.Sc. (Hons) from Karachi University and is a
“Certified Director” from Pakistan Institute of Corporate Governance.
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He started his career with EFU General Insurance Limited and has been associated
with the company for over three decades and serves as Deputy Managing Director
in the company.
Mr Ali Raza Siddiqui holds Bachelor of Arts Degree from Cornell University, USA
with Double majors in Economics and Government. He has also served on the Board
of Bank Islami Pakistan Ltd., Pakistan International Containers Terminal Ltd., UG
Food Company Pvt. Ltd., R&R Pvt Ltd., Jahangir Siddiqui & Co. Ltd. & JS Investments
Ltd.
Presently he is on the Board of EFU General Insurance Ltd., Mahvash and Jahangir
Siddiqui Foundation, Pakistan International Bulk Terminal Ltd and & Future Trust.
Prior to joining JS Investments Ltd., he was Assistant Vice President of AIM
Investments in Houston, a wholly owned subsidiary of INVESCO plc. (formerly
known as AMVESCAP plc).
9-Rukhsana Shah
From January 2016, she served as a nominee director of the Ministry of Finance on
the Board of First Women Bank Limited for three years. At present, she is an
independent director of Suzuki Motor Company in Pakistan. She completed her
Directors’ Training Programme in December 2017 from LUMS.
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She is a member of the Child Care Commission set up by the Chief Justice of Lahore
High Court, and is on various government and civil society committees relating to
Inclusive Education and Rights of Persons with Disabilities.
Functions of Management
1-Planning:
2-Organizing:
In this function company organize his plan that how you can achieve our goals,
this step always come after planning.
3-Coordinating:
4-Controlling:
This function of management is use to ensuring that all the activities of the
company are in place and are operation successfully.
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CHAPTER NO 3
Functions of Various Departments of EFU
UNDERWRITING DEPARTMENT
Insurance underwriters evaluate the risk and exposures of potential clients. They
decide how much coverage the client should receive, how much they should pay
for it, or whether even to accept the risk and insure them. Underwriting involves
measuring risk exposure and determining the premium that needs to be charged
to insure that risk. The function of the underwriter is to acquire or to "write"
business that will make the insurance company money, and to protect the
company's book of business from risks that they feel will make a loss. In simple
terms, it is the process of issuing insurance policies. Each insurance company has
its own set of underwriting guidelines to help the underwriter determine whether
or not the company should accept the risk. The information used to evaluate the
risk of an applicant for insurance will depend on the type of coverage involved.
For example, in underwriting automobile coverage, an individual's driving record
is critical. As part of the underwriting process for life or health insurance, medical
underwriting may be used to examine the applicant's health status (other factors
may be considered as well, such as age & occupation). The factors that insurers
use to classify risks should be objective, clearly related to the likely cost of
providing coverage, practical to administer, consistent with applicable law, and
designed to protect the long- term viability of the insurance program. The
underwriters may either decline the risk or may provide a quotation in which the
premiums have been loaded or in which various exclusions have been stipulated,
which restrict the circumstances under which a claim would be paid. Depending
on the type of insurance product (line of business), insurance companies use
automated underwriting systems to encode these rules, and reduce the amount
of manual work in processing quotations and policy issuance. This is especially the
case for certain simpler life or personal lines (auto, homeowners) insurance.
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MARKETING DEPARTMENT:
Currently one of the notable trends is the emergence of insurance market
interests to marketing and establishment of marketing departments in insurance
companies. However the majority of insurance companies use marketing as the
tool of product sales and expansion (insurance services), which an enterprise has,
This means that the development of an offers for consumers is carried out
“blindly”, without taking into account the market requirements and customer
needs
CLAIMS DEPARTMENT:
It is quite tough and complicated process in which insured do not have any
participation other than just providing the exact information of claim. Staff should
treat it with full attention as claim procedure of insurance company establishes its
goodwill in market and helps to generate more and more business. Guidance,
Expertise, Knowledge of when to bring someone else in, all provide an important
service to client.
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ACCOUNTS DEPARTMENT:
The function of an accounting department is to look after the finances of a
company. This can be anything from paying bills to making sure that the
employees that work for the company get paid. The four main accounting
functions are:
• Making Payments
• Payroll
• Receiving Payments
• Budgets Accounts department of EFU insurance have divided
its duties into different sections.
• Cash Collection Section For the collection of cash, account department has a
cash counter. When a policy holder comes to pay his premium, they check
whether the policyholder is able to pay his premium or not. If the policyholder
comes within 30 days after the due date, then he is considered as able to pay his
policy otherwise he is not able.
• Cash Disbursement Section For cash disbursement, first the voucher is
prepared, signed and prepared by authorized officer, for the person to whom the
payment is made. After these the cash book is maintained, cheques are prepared,
and these cheques are sent to concerned party. Bank Statement is prepared daily
by the authorized banker regarding total collection and payments of cheques i.e.
realization of cheques. These banks Statements are punched into the computer.
• Salary Preparation Section In Account Department Salary of the employees is
calculated. Different allowances are offered to the employees. Loan facilities are
available for the employees. Tax is deducted from salary. A provision of recoveries
of the loan is made.
• Budget Preparation Section Budget is prepared annually. Proposed budget is
sent to principal office. The funds of different heads of proposed budget are
transferred to zonal office.
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CHAPTER NO 4
Product Portfolio
EFU General provides a full range of insurance services to fulfill the needs of all of
its customers being commercial and individual clients.
EFU product portfolio includes:
1-AVIATION INSURANCE:
No one will ever know when mankind first tried to fly, but it is clear that man envied
the gift given by nature to the animal kingdom, that is, the ability to fly. Very large
sums are invested in modern aircraft and their operation. The modern airliners cost
large sums. Hence, if compensation for death or injury has to assessed, this may
run to a much larger sums. Even a small private aircraft may be the cause of a mid-
air collision with similar financial consequences. The failure of a component
manufactured by a small company may result in the loss of a fully loaded airliner.
Because such catastrophic loss may arise it is normal for aviation risks to be
excluded from many kinds of general insurance policy.
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Shippers Of Goods By Air
Lessors (Banks, Financial Institutions)
Hang Gliders
Conventional Gliders, Balloons and Hovercraft
Importance
It has been realized that an increase in speed from 60 m.p.h. to an estimated 1800
m.p.h. in respect of the new supersonic aircraft, together with their ever-increasing
costs would reveal the amount of money that air-operators, manufacturers and
financial enterprises are investing in the aircraft industry and in civil air transport,
and would emphasize the fact that each and every individual company or
enterprise could not afford to lose the whole, or even a part, of their capital as a
result of accident or misfortune. That is why the idea of spreading the risk by
insurance is regarded as inevitable, and why aviation insurance enterprises, as well
as new ventures, have been constituted and actively continued.
2-MARINE INSURANCE:
Marine Cargo
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In Marine Insurance coverage is provided for goods in transit for both Import and
Export and the mode of conveyances on waterways, air and land routes Marine
Important
The goods are covered from warehouse to warehouse the contract is usually on
C&F and CIF basis.
Export
The goods are covered from warehouse to warehouse. The contracts can be CIF
and FOB basis.
Inland Transit
The goods are covered from anywhere in Pakistan to anywhere in Pakistan.
The covers with respect to above segments are granted as per London Institute
Cargo Clauses A, B & C.
Whereas clause “A” provides widest and most comprehensive cover while clause
“C” provides the narrowest scope of cover.
Marine Hull
Construction Risks
During the period of the construction of a vessel, it may be insured with
an insurance company familiar with handling of such insurance. Due to
the fact that a Ship-owner's Yard is essentially a static, non-marine risk,
it is possible that basically non-marine insurer will take on the risk of
covering a vessel while it is under construction, but generally it is
unsatisfactory. Cover will be required for a whole period of construction,
which may last for two or three years and as the builder frequently
accepts responsibility for the launching of the vessel, its tests, sea-trials
and possibly its delivery voyage, builder's risks policies issued in the
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marine market include full marine cover accordingly. The Institute Clause
for Builders' Risks provides a comprehensive form of cover in this
respect. Cover can be extended to include War risks but due to the
operation of the "Waterborne Agreement"; the vessel is only insured
while she is waterborne i.e. after launching.
Period of Insurance
The customary practice is to effect Hull policies for a period of 12 months. The
clauses contain, however, the "Continuation Clause" which provides that if at the
expiration of the policy the vessel is at sea, or in distress, or at a port of refuge or
of Call, the vessel shall, provided previous notice is given to the underwriters, be
held covered at a pro-rata monthly premium to her port of destination. This clause
provides protection for an insured in the event that vessel was known to be in a
damaged condition at sea or feared lost and the policy was nearing termination,
naturally making it difficult to obtain renewal of the policy. These days most
renewals are arranged well ahead (negotiations frequently commencing two
months before expiry) and the need for this clause has, therefore, been reduced.
Additional Insurance
1. Institute War and Strike Clauses — Hulls — Time
2. Institute Time Clauses — Hulls: disbursements and increased value (total loss
only, including excess liabilities)
3. Protection and Indemnity Associations
4. Liabilities in respect of Seamen
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5. Liabilities in respect of Passengers
6. Liabilities in respect of Third Parties
7. Liabilities arising from Collisions
8. Liabilities arising from Pollution
9. Liabilities arising from Wreck Removal
10.General Average
3-MOTOR INSURANCE:
Driver should bear in mind that there are number of details that should be taken
into account when applying for motor insurance policy
Firstly as soon as car purchased the owner must buy an insurance cover. If a used
car is purchased, the new owner needs to know that the cover of the previous
owner is null and void.
The insured value or sum insured depends on the market value of the vehicle.
Under insurance or over insurance occur when this value is not properly
mentioned.
Over insurance occurs when sum insured is higher than the market value,
maximum compensation is the market value of the vehicle.
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Under insurance occurs if sum insured is less than the market values, you are as
self-insuring the difference. In the event of a loss, you will only be partially
compensated.
Average clause is applied when you suffer damage to your vehicle which is under
insured. Your claim will be reduced proportionately by the uninsured portion, e.g.
if you have insured your vehicle up to 70% of the market value, the insurance
company will only pay 70% of total repair cost.
Coverage
Act liability policy
Third party policy
Comprehensive policy
Third party personal injury and death
Third party property damage
Theft/own damage, constructive total Loss
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Family Accidental Benefit Cover
EFU offer accidental death or injury benefit for insured, spouse and the entire
family of EFU individual clients, in addition to comprehensive insurance of motor
vehicle.
4-PROPERTY INSURANCE:
1-Engineering
2-Fire
ENGINEERING:
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1-Erection All Risks Insurance
Erection All Risk Insurance offers comprehensive and adequate protection during
the period and stages of erection of the machinery, plant and steel structures of
any kind as well as third party claims in respect of property damage or bodily
injury arising in connection with the execution of an erection project
3-Machinery Insurance
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4-Electronic Equipment Insurance
In other words all types of equipment which generate, convert, store transfer
and/or process physical data and information can be insured. Electronic
Equipment Insurance is one of the most comprehensive policies. The insurance
protects owner as lesser or lessee, as operator, or as hirer, or as maintainer. This
policy is an "Accidental" insurance of "all risk" basis covering almost all the perils
but only after successful commissioning of the insured items. Mobile and portable
equipment whilst at stationary or at transit any where in the country may also be
covered under this policy.
FIRE:
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services. The business written ranges from simple commercial property risks to the
largest and most sophisticated industrial and energy risks.
Client Focus:
The team of EFU Insurance claims and business administration specialist ensure
that client's affairs receive immediate and responsive attention, using
sophisticated management systems based on the latest information and
communication technology. Providing expert advice on the interpretation and
consequences of contractual obligations, together with the efficient handling and
prompt settlement of claims, underlines the dedication of EFU Insurance to provide
the utmost quality of service to clients and a commitment to develop long-term
and mutually beneficial relationships with our clients. EFU takes a proactive role in
developing innovative solutions, which meet the specific requirements of its
clients.
Types of Policies:
Property policies come in three basic types; package, combined and single. Example
of package policies is that of a household policy (domestic) and a shopkeeper policy
(commercial).
The package policy contains a number of different sections e.g. fire, accidental
damage, glass, theft, third party liability, employers liability, goods in transit,
money, and the insured usually buys the policy as a whole, although small
modifications can be made if required. The cover, limits, and sums insured are
standard for each policy issued to the same trade, or section of the market for
which it is designed.
A combined policy is one where separate sections are brought together to create a
policy which is specific to the needs of the organization insuring. These policies are
usually bound by a front and back cover.
The insured can elect to have particular sections included within the policy, which
is tailored specifically client by client; i.e. one insured may choose, fire, business
interruption, theft and glass coverage, whereas another client may choose fire,
theft, glass, money, goods in transit and frozen food coverage, because this would
be more particular to his need.
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The single policy on the other hand is one where only one type of cover is provided
such as fire policy or a theft policy; single policies are however, becoming rarer
since the combined policy can be adapted to suit most needs of an organization.
FU covers both medium and large industrial and commercial risks relating to
property, including energy complexes.
Scope of coverage is fire and allied perils extending to all risks including difference-
in-condition, with both physical damage and business interruption.
EFU leads on a number of major industrial energy accounts and industrial property
risks.
EFU is recognized market leader for worldwide marine energy business, with a well-
spread, diversified portfolio. It has a highly experienced underwriting team
supported by advanced computer systems for accumulation and analysis
Property:
EFU covers both medium and large industrial and commercial risks relating to
property, including energy complexes.
Scope of coverage is fire and allied perils extending to all risks including difference-
in-condition, with both physical damage and business interruption.
EFU leads on a number of major industrial energy accounts and industrial property
risks.
Miscellaneous
Personal Accident
Workmen's Compensation
Travel Care Insurance (EFU Travel Insurance)
Liability Insurance
Fidelity Insurance
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Money Insurance
Plate Glass Insurance
Burglary
Personal Accident:
These are the covers EFU provide under personal accident insurance
This policy will provide compensation in the event of Death, Permanent Disability
or Temporary Disability due to an Accident. Coverage is worldwide. We can add
extra coverage that will pay for medical expenses resulting from an Accident.
Workmen's Compensation:
The Workmen's Compensation Act provides no-fault benefits in the event of death
or injury to a 'Workman' (normally with an income of less than PKRS 3,000 per
month) due to an accident at work. Employers can protect themselves in case they
are required to pay under the terms of this Act for injury to an employee by
purchasing our Workmen's Compensation policy.
Enjoy our 24-Hour Non-Stop Travelcare to any destination all around the world
which is specially designed for the travelers traveling abroad. Our Worldwide
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Travelcare offers best coverage with Immediate Assistance and Direct Settlement
of Claims in the Country of Visit. Travel Insurance Brochure
Being a student going abroad, funds are sure to be tight therefore buying travel
insurance can help you to enjoy your time away from home with a piece of mind.
With a suitable insurance plan in hand, you have an assurance that if some mishaps
were to happen related to health, luggage, belongings or tuition fee then at least
you would have your Insurance Company to put you at ease.
Thus, EFU's student travel insurance can take that extra burden off your shoulders
and make you feel secured. EFU travel insurance plans combine comprehensive
travel protection and 24-hours emergency assistance in the country of
visit. Student Travel Insurance Brochure
Liability Insurance:
Any firm or any individual in the normal course of business or other activities may
negligently cause damage to the property of others or injury to others. This may
result in that person becoming legally liable to such persons whose property has
been damaged or who have been injured. Apart from this liability, extensive legal
fees may have to be paid. Our Public Liability Insurance policy will pay all sums
which a firm or individual may become legally liable to pay as compensation for
bodily injury or illness caused to third parties.
Product Liability Insurance
Any firm that produces, repairs, services or supplies goods or products may
become liable to users of such goods if these goods are defective in any way and
as a result of such defect, the user may suffer property damage or bodily injury.
Our Product Liability Insurance policy will pay all sums that the producer or
supplier becomes legally liable to pay in such a case including the legal expenses
incurred in defending himself in a court of law.
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An employer may become liable to his employee if due to the negligence of the
employer the employee is injured at work. Our Employer's Liability Insurance
policy will protect the employer in such a case and will pay all sums that the
employer becomes legally liable to pay to his employee as compensation. In
addition, it will pay for legal fees incurred in preparing a defence in a court of law.
This is similar to Workmen's Compensation Insurance as explained above.
Professional lawyers, doctors, engineers, etc. run the risk of becoming legally
liable to others as a result of not properly performing their professional duties.
This may include for instance, the case where a lawyer gives wrongful advice to
his client resulting in his client suffering a financial loss. Our professional
Indemnity policy will pay all sums that such a professional becomes legally liable
to pay as a result of professional negligence. In addition it will pay for legal
expenses incurred in preparing a defence in a court of law.
Fidelity Insurance:
Money Insurance:
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Plate Glass Insurance:
Plate Glass is costly to replace and certain businesses find glass insurance an
important part of their insurance portfolio. This applies particularly to retail shops,
department stores, showrooms, etc. where shop fronts and window displays play
an important role in attracting business. The Glass Policy pays the cost of
replacement of all external glass following breakage at the business premises. The
Glass Policy may be extended to cover special types of glass which are very
expensive to replace such as silvered, wired, ornamental, stained, lettered,
toughened and armoured glass.
Burglary:
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CHAPTER NO 6
This chapter includes all the activities I have done on my internship, branch
information in which I was doing my internship also the SWOT analysis and the
recommendations.
“Branch Information”
Branch Address:
There were 10 employees in that branch, the vice president name of that branch
Is Amjad Irshad.
Collection of cheque from their clients also the part of their operations
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Major Clients:
There are many clients connected with that branch, Major clients of that branch
are
Ayesha spinning
Nishat chunian
Nisar Spinning
Sheikhupura Textile
Ihsan Cotton
A.T.S
Saphire
Mass Pharma
Glamour Textiles
Indus Home
Nagina Group
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“Internship Program Details”
Internship Period:
Internship Responsibilities:
During my internship Program I also visit one of their clients “AYESHA GROUP”
with my colleague for the collection of cheques for the renewal of their policies.
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