BY: SHARAT.

Under the guidance of

Internal Guide External Guide

DEEPAK KUMAR D
PROFESSOR MBA Dept, RNSIT

Mr. VIJAY KUMAR

RELATIONSHIP MANAGER ARlI

INDUSTRY PROFILE
Insurance
Types of insurance Mission of IRDA:To protect the interests of the

policyholders, to regulate, promote and ensure orderly Growth of the insurance industry and for matters 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
COMPETITORS Birla sun life, Tata AIG, Bharathi AXA, Reliance, Aviva

MCKINSEYS 7S MODEL
STRUCTURE
STRATEGY SKILLS

SYSTEMS
STYLE SHARED VALUES

STAFF

STRUCTURE
CEO HEAD OF INVESTMENT HEAD OF FINANCE

BOD

HEAD OF HUMAN RESOURSE

HEAD OF MARKETING

HEAD OF SALES AND DISTRIBUTION

FUNCTIONAL ZONE HEAD

SOUTHERN ZONE HEAD

NORTHERN ZONE HEAD

WESTERN ZONE HEAD

EASTERN ZONE HEAD

CENTRAL ZONE HEAD

REGIONAL HEAD

BRANCH MANAGER

RELATIONSHIP MANAGER

BUSINESS DEVELOPMENT MANAGER

PORTFOLIO MANAGER

IT CUSTOMERS SUPPORT AND OPERATIONAL MANAGER

EXICUTIVES

ASSISTANAT BDM

DEALEARS

STRATERGY
Goals 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 perform the 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
Innovative Policies with

STRENGTHS

STRENGTHS

WEAKNESSES Less penetration in rural areas Small agent base catering to huge customer base

Innovative Policies with emphasis on long term returns

Online products long term returns emphasis on like iTerm WEAKNESSES

Less penetration in rural Online products areas iTerm like

Small agent base catering to huge OPPORTUNITIES OPPORTUNITIES Growing rural market

customer base

THREATS

Growing rural market services such as banking Insurance has to face tough Cross selling through financial THREATS competition Cross sellingto face tough competition services Insurance has through financial such as banking Entry of new NBFCs in the sector.

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 being analyzed. 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 financial performance of the company. To suggest the organization in order to improve its financial performance. To know the financial position of the company.

RESEARCH METHODOLOGY
Sources 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 Life Insurance. Calculation are done on past financial statement and thus 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 in 2010 The profit margin is decreasing from 83% to 71.6% in the 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 the market. To increases the owners fund, profit ratio, to stabilized 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 the

stages, changes of ARLI doing well in the market and industry will be more in the future.

THANK YOU