Portfolio analysis of all risk covers cum natural catastrophe to identify profit drivers. A case study on PT Asuransi XYZ, Indonesia

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Portfolio analysis of all risk covers cum natural catastrophe to identify profit drivers. A case study on PT Asuransi XYZ, Indonesia

Jaeger, Hans - Personal Name; wessling, stephanie maria - Personal Name;

This research aims at analyzing pt. Asuransi xyz?s Portfolio of property all risk covers cum natural catastrophe to identify profit drivers in this line of business in order to derive further recommendations. The analysis covers an examination period of 6 years. Policy data is collected from 1st january 2007 till 31st december 2012 resulting in 218,812 qualitatively acceptable data entries. In addition, financial statements are examined for the relevant time period. The methodology used spanned from descriptive statistics, two-paired-sample t-test, simple regression to structural equation modeling (sem) in order to identify the profit drivers. The results showed (i) a more stabilized property portfolio in recent years, (ii) identified natural catastrophe reinsurance premium developments as crucial factor in offering competitively priced premiums, (iii) that natural disaster events do not have an impact on sales volumes of such covers and (iv) lastly identified the following profit drivers from the various clusters being financial institutions, agents, brokers from acquisition channel, commercial business from occupation, large and extra-large risks from underwritten sum insured and sulawesi, sumatra, kalimantan & papua and east java from regional risk zone. Conclusions derived are property all risk covers cum natural catastrophe is not a sustainable profit generating business segment in a natural disaster prone country like indonesia today.

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M00270 (wh) Available

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Series Title: -
Call Number: 270
Publisher: : Swiss German University., 2013
Collation: -
Language: English
ISBN/ISSN: -
Classification: NONE
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Subject(s): MBA
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