Issue: 128 Vol: XX # 3 - efuinsurance.com · EFU General Insurance Limited was conferred second position with Best Corporate Report ... in Life Insurance. In window Takaful, EFU

Issue: 128 Vol: XX # 3

Interview - Mr. Hasanali Abdullah

Strategic Committee Meeting

Best Corporate and Sustainability Award

Environment Excellence Award

12th Consumers Choice Award 2017

EFU General and JS Bank Join Hands

EFU sponsored Japanese Golf Tournament

PACRA maintains entity rating of EFU

Independence Day Celebrations

8

9

10

9

11

Takaful Training Program 12

Result CII - April 2017 Examination13

Result Quiz 24 - Motor Insurance 14

Eid-ulAzha Milan Mosaic 15

Score19

7

6

5

4

Feature Writer & Analysts: Abdul Sattar Baloch Asifa Waseem Muhammad Sohail Nazir, M.Sc.Naseem Qureshi

Advisory Committee:Mahmood Lotia Qamber Hamid, L.L.B., L.L.M. Jaffer Dossa Darius H. Sidhwa

Chief Editor:Muhammad Ilyas Khan

General Connection04

There are 38 member companies in the Insurance Association of Pakistan. During 2016 Insurance Premium collected amounted to PKR 253 billion, the total collection over the last five years was PKR 983 billion. The claims paid in 2016 were of PKR 91 billion and during the last 5 years claims worth PKR 363 billion were made. During 2016, the insurance sector paid taxes to the government of PKR 15.64 billion and during past 5 years PKR 60.58 billion was paid. This helped greatly in the social development of Pakistan.

PAGE: KINDLY TELL US ABOUT THE EXISTING AND UPCOMING INSURANCE PRODUCTS:HASANALI ABDULLAH: Insurance Industry of Pakistan is providing a full range of traditional insurance products and services like Property, Marine/Aviation, Motor and other miscellaneous products. Globally, the technology is going to change very fast, insurance industry will have to deal with the resultant emerging risks such as cyber-crime and driverless cars etc. PAGE: HOW DO YOU SEE THE COMPETITION BETWEEN CONVENTIONAL AND ISLAMIC INSURANCE? HASANALI ABDULLAH: Starting in the 1970s and increasingly in the 1990s, Islamic countries as well as other countries with a significant Muslim population have encouraged the provision of financial services, including insurance, under Islamic principles As a result, a number of Islamic insurance companies, called 'Takaful' insurers, have been established to provide . coverage. Takaful Operations are growing. Further growth in Takaful market is expected in the coming years as now many conventional insurance companies have started Window Takaful operations. The customers of both Takaful and theconventional insurance are satisfied with the facilities provided to them. PAGE: YOUR VIEWS ON FUTURE OF INSURANCE IN PAKISTAN: HASANALI ABDULLAH: The iInsurance penetration can increase with increased documentation of the economy. nsurance industry has proposed to to introduce no fault compensation payment upon accidental death throughout the governmentPakistan, which could save payments in case of major accidents where number of are lost. Tax the government from ad-hoc livesat 1% is deducted in advance from filer policy holders of ife nsurance ompanies on the life insurance premium that none tax l i cshould be exempted as this is resulting in the diversion of funds from life insurance companies. Taxes on personal life insurance should be removed to minimize the cost of protection for the citizens of Pakistan. Health Insurance Scheme should be made compulsory both in public and private sectors to increase insurance penetration and for providing health coverage the forworking class of Pakistan. Tax rebate should be provided to individuals upon purchase of health insurance, home insurance, travel insurance etc. Tax insurance companies (including dividend and capital gain) is 31% as , on all sources of income of compared to other industries which pay tax at much lower rates on capital gain and dividend income. The insurance companies should be provided level playing field. a

PAGE: YOUR VIEWS ON THE PROGRESS OF INSURANCE IN PAKISTAN: HASANALI ABDULLAH: The industry has been ever willing to assist its clientele whenever a misfortune has occurred whether at micro or macro level. contribution in terms of revenue generation, claim payments to policyholders, The industry'scontribution towards national is exchequer and provision of employment for the last five years as under:

The Strategic Committee meeting was held at Bodrum, Turkey and attended by Senior Executives from

Head Office, Northern and Southern Zones. The meeting was chaired by Mr. Saifuddin N. Zoomkawala,

Chairman and Mr. Hasanali Abdullah, Managing Director.

Issue: 128 Vol:XX #3 05

EFU General Insurance Limited was conferred second position with Best Corporate Report Award 2016 in the category the of the Non-Banking Financial Institutions. Mr. Altaf Qamruddin Gokal, Chief Financial Officer & Corporate Secretary of the company received this award.

The Joint Committee of The Institute of Chartered Accountants of Pakistan (ICAP) and The Institute of Cost and Management Accountants of Pakistan (ICMAP) conducts an exercise every year to select the best annual report and sustainability report for each sector. The Non- anking inancial sector comprises of Insurance b f institutions (NBFIs)Companies (life and non-life), Leasing Companies, Brokerage Houses, Investment Companies and Modaraba Companies.

The award is a testimony to the hard work that has been put in making the report conforming to the highest standards of compliance, improved quality of disclosure and presentation. It also signifies the strength of EFU in insurance industry. the

The award distribution ceremony was attended by business leaders from across the country, regulators and senior accounting professionals.

Mr. Altaf Qamruddin Gokal receiving Best Corporate and Sustainability Reports Award 2016(L to R): Mr. Kashif Mateen Ansari, former President ICMAP, Mr. Nadeem Yousuf Adil,

President, ICAP, Mr. Yocoob Sattar, Mr. Iqbal Ghori, President ICMAP.


L to R: Mr. , Mr. Arshad Ali Khan, Mr. Aslam A. Ghole, Mr. Altaf Qamruddin Gokal,Amin Allana Mr. Murtazua Noorani, and Mr. Kashif Gillani of EFU General.

EFU General Insurance Limited has been conferred with the 14th Environmental Excellence Award 2017. Mr. Altaf Qamruddin Gokal, Chief Financial Officer & Corporate Secretary, EFU General Insurance Ltd. received this award on basis of the outstanding performance for the cause of environmental protection and conservation.

The National Forum for Environment & Health (NFEH) and Environment Management Consultants (EMC) organized 14th Annual Environment Excellence Awards 2017 alongwith the Conference on “Disasters of Water Stress: A Case of Karachi” at Marriott Hotel, Karachi

Prof. Dr. Sarosh Hashmat Lodhi, Vice Chancellor of NED University, Mr. Rehan Hashmi, Chairman of District Municipal Corporation Central, and Mirza Ishtiaq Baig, Vice President, Federation of Pakistan Chamber of Commerce & Industry (FPCCI) gave away the awards.

The representatives of city's water utility, provincial government, lawmakers, Karachi Metropolitan Corporation, academic, concerned citizens, real estate developers, businessmen and industrialists all were gathered at one place to discuss water problem of Karachi.

Mr. Altaf Qamruddin Gokal, Chief Financial Officer, EFU is receiving award from Prof. Dr. Sarosh Hashmat Lodhi, Mr. Naeem Qureshi, President, NFEH, Mirza Ishtiaq Baig and Mr. Musaddiq Aziz, advisor, NFEH are also seen .


EFU General has been conferred the 12th Consumers Choice Award 2017 in the Category of Best General Insurance of Pakistan. Mr. Imran Ahmed, Executive Director, Motor Department, Head Office Companyreceived this award.

The Consumers Association of Pakistan (CAP) organized this magnificent event at Sindh Governor House, the Karachi. Chief Guest Mr. Mohammad Zubair, Governor of Sindh distributed the awards. The ceremony was graced by high profile personalities from the government, public and private sectors.

These awards are especially gratifying as the winners are selected a wide cross-section of Pakistani fromconsumers through different surveys by the Consumers Association of Pakistan (CAP). conducted

EFU General has received this award in recognition of its outstanding performance in the field of non-life insurance and specially in Motor Insurance as a leader of Pakistan’s Insurance Industry. EFU offers a variety of products that caters to the needs of its clients and protecting their diversified EFU brand has become synonymous interests. toprogressiveness and promptness in settlement of claims. EFU's greatest achievement continues to be consumers' trust for more than 80 years.

Mr. Imran Ahmed, Executive Director, Motor, H.O. is receiving Consumers Choice Award 2017 from Muhammad Zubair, Governor Sindh.

Mr. Kaukab Iqbal, Chairman CAP is also seen.


EFU General Insurance Limited and JS Bank have signed an agreement for the sale and distribution of a unique insurance solution, covering ATM cash withdrawals and accidental death during snatching incidents. EFU General Insurance is one of

Pakistan's most trusted in the field of insurance. JS Bank, one of Pakistan's fastest growing banks, is a leading companiesprovider of banking and wealth management solutions in Pakistan.

Syed Salman Rashid, Deputy Managing General Insurance, said “We are excited to enhance our partnership Director, EFUwith JS Bank, and we expect this proposition to add tremendous value to customers of the Bank.” the

Mr. Kamran Jaffar, Group Head Corporate and Retail Banking, said “JS Bank aims to relevant and unique solutions for offerits expanding and evolving customer base. This partnership reflects our commitment to the well-being of our customers.”

EFU Group continues to enjoy leadership in insurance and Health while the industry: Generalsecuring second position in Life Insurance. In window Takaful, EFU General Insurance remained leader with 25 percent market share, with Participants' Takaful Fund and Operators' Fund of the both in surplus.

This furnishes the brand and ability to serve diverse client needs and ability to capture strength to large client base in the market.

The company strong profitability has posted from underwriting and investment portfolio. The rating interprets the company's vision to lead both in terms of size and profitability. Sponsors (Bhimjee Family and JS Group), and the management are aligned on this, the Board of Directors

enabling a better focus in strategy and efforts. Increasing emphasis on customer service, including concerted efforts to bring efficacy in claims settlement process with support from technology helps in sustaining market share. Strong liquidity and sound cash flow generation ability provide strength to the rating. The business strategy, going forward, is envisaging substantial benefit emanating from related projects and overall the economy. CPEC dynamism in

The rating is dependent on sustained competitiveness of the company. Keeping in view heightened competition in the industry, increase in insurance pie and penetration thereof is a prerequisite for sustaining the growth rate, particularly for large companies. Claim settlement process with high transparency and customer convenience is required to boost policy holder confidence and growth in business volume.


Representatives of EFU General and JS Bank at the Agreement Signing Ceremony


The wasJapanese Association Golf Tournament recently

held at Arabian Sea Country and Golf Club. EFU the

General Insurance Limited had the honour of sponsoring

the tournament.

Mr. Salman Rashid, Deputy Managing Director, Central

Division was the Chief Guest. distributed the prizes He

amongst the winners at gathering in the the luncheon

dining hall of the club.

Mr. Yukoi Sakai, Managing Director of Sumitomo

Corporation, thanked EFU General Insurance for

sponsoring the tournament and also Mr. Salman Rashid for

sparing his valuable time be the Chief Guest.to

The senior officers from renowned participants were

Japanese companies operating in Pakistan Pak Suzuki, i.e.

Hinopak Motors, Sumitomo Corporation etc.

There were approximately 40 participants from different

companies that participated in the tournament.

Prize for 3rd Place (Mr. Sakai from Sumitomo)

Winner: (Mr.Tanimoto from Toyota-Tsusho)

Prize of the day: (Mr.Kikuchi from Tobishima)

Best Gross:(Mr. Makino from Mitsubishi)

Prize for 2nd Place(Mrs. Sakai from Sumitomo)

BB Prize (Mr. Kanahori from MUFG)

Lucky 7 prize (Mr. Sasaki from HinoPak)


Takaful is a community pooling system based on the principles of brotherhood and mutual help wherein participants contribute in a fund to help those who need it the most in times of financial crisis. Takaful is based on Shariah principles. EFU has embarked upon a task to bring in awareness among employees and marketing personnel in the company who are involved in Takaful business.

Keeping this aspect in view, Human Resource Department, Head Office, arranged a comprehensive Takaful Training Program for two groups of officers working in Departments / Divisions / Branches in locale of Karachi. This training program was comprised of 21 hours thorough training in total 7 days, each comprising of 3 hours duration. This training programme is approved by SECP.

Mr. M. Vaqaruddin, Head of Window Takaful Operations and Mufti Ibrahim Essa, Shariah Advisor conducted these training sessions. These training sessions were attended by 71 officers of EFU General. HR has a plan to arrange further sessions till it trains all individuals in EFU General Insurance Limited who are associated with Takaful business throughout Pakistan.

In order to recognize efforts of trainees, certificates were distributed among participants. Certificate distribution ceremony was graced by Mr. Mahmood Lotia, Sr. Deputy Managing Director, Head Office.


Mr. Muhammad AzeemExecutive Officer

City Branch, Rawalpindi IF4

CII Level 3

Mr. Muhammad UsmanExecutive Officer

City Branch, Rawalpindi IF4

Mr. Atif Haider KhanSr. Vice President

Marine, H.O. 960

Mr. M. Haroon AkberSr. Vice President (Dev.)

Rawalpindi Division IF4

CII Level 3

Mr. Arsalan PervaizAssistant Manager


CII Level 3

Mr. Atique AhmedExecutive Officer

Motor, H.O. M92

Mr. Naif JavedVice President

Clifton Division M92

Mr. M. Hamza FarooquiDeputy Manager Clifton Division

IF8

Mr. Numan QayyumExecutive Officer


CII Level 3

Mr. Usman Bashir KiyaniExecutive Officer


CII Level 3

Syed Tariq ShahAssistant Manager

Mardan (Sub-Office) IFI

Mr. M. Saqib Durry Executive Officer

Corporate DivisionIF4

Mr. Ali Shan Ashiq Ali Junior Officer

Corporate Division IF4

CII Level 3

The following candidates of EFU General have been declared passed by the Chartered Insurance Institute, London in the examination (held in April 2017) in the subject(s) stated against their respective names. Some candidates have achieved the certificate of CII Level 3 which is also mentioned with their respective names .

M92 Insurance Business & Finance 960 Advanced Underwriting M05 Insurance LawIF4 Insurance Claim Handling Process IF8 Packaged Commercial Insurance IF1 Insurance Legal and Regulatory


Correct entries in the 24th Quiz Contest were five. The draw was held at Head Office to award prizes. The award distribution

ceremony was held at EFU House, Karachi. Mr. Qamber Hamid, Sr. Deputy Managing Director, Northern Zone distributed the

prize to the lucky winner of Northern Zone while Mr. Imran Ahmed, Executive Director, Motor, H.O. distributed the prizes

among the two lucky winners of Karachi. The names of the successful participants whose solutions were 100% correct are as

under:

1. Ms. Shahida Aslam Vice President (Dev.) SITE Division

2. Ms. Nimra Inam Assistant Vice President Lahore Secretariate

3. Ms. Haddiqua Siddiqui Deputy Manager Marine & Aviation, Head Office

4. Ms. Nida Zehra Naqvi Deputy Manager Marine & Aviation, Head Office

5. Syeda Tooba Fatima Deputy Manager Mehran Branch

Ms. Nimra Inam receiving prize from Mr. Qamber Hamid

Ms. Shahida Aslam and Ms. Haddiqua Siddiqui receiving prizes from Mr. Imran Ahmed

True

False

False

True

True

False

False

True

False

True

1. If your car is destroyed by natural disaster, your comprehensive insurance pays for it.

2. The Company will be liable to pay any accidental loss or damage caused by or contributed to by or arising from nuclear weapon material.

3. Vehicles used for driving tuition are to be rated as private vehicles.

4. The Insurer may its own option to repair or restate in case of heavy damage to the motor vehicle.

5. Under Commercial Comprehensive Policy, The Company shall not be liable in respect of damage to property belonging to be held in trust by or in the custody or control of the insured or a member of the insured's household.

6. If there is any other insurance covering the same risk, the Company shall be liable to pay or contribute 100% of loss or damages.

7. It is not essential to Market Value Clause on all the Comprehensive Policies.

8. The insured is responsible to ensure that in the event of any accident or breakdown the motor vehicle shall not be left unattended without proper precautions being taken to prevent further damage or loss.

9. The Company shall be liable to make any payment in respect of damage to tyres unless such motor vehicle is not damaged at the same time.

10. Comprehensive insurance coverage is not mandatory under Motor Vehicle Act 1939.



16 General Connection

Terms and Conditions

Name: Designation:

Office: Signature:

t All Officials (Except Miscellaneous Department, H.O.) can participate in this contest. t Prizes will be awarded to three correct replies. If correct entries are more than three, selection will be by ballot. t Correct answers will also be published in General Connection so that participants may tally their entries. t Entries will be accepted till 20 November, 2017. t This form may be photostated. t All entries should be sent to Chief Editor of General Connection.t Give your full name, designation and official address in the space provided:

Select The Box You Think is Correct

True False

True False

True False

True False

True False

True False

True False

True False

True False

True False

1. Public Liability Insurance covers imposition of fines, penalties & exemplary damages not permissible in law.

2. Travel Insurance Covers loss of personal belongings while lost in Pakistan.

3. Nuclear Risk is covered under all Miscellaneous Insurance Policies.

4. Directors and Officers Liability also covers criminal & fraudulent acts of the Directors and Officers of the organization

5. Product Liability Insurance covers legal liability of Insured towards the third parties for bodily and/or property damage arising out of Products sold, distributed & manufactured.

6. Workmen Compensation limit for workmen working in Sindh is PKR 500,000

7. Performance Bond is issued to guarantee the satisfactory completion of project and compliance of contract conditions by a contractor/bond holder.

8. Employee dishonesty is covered under the Fidelity Guarantee Insurance

9. Money Laundering is not covered under Professional Indemnity Insurance Policy

10. Employer's Liability is mandatory in Pakistan.



M. A. Qayyum Khan Assistant Vice President (Dev.) Central Division (Unit-B) 1-Nov Amjad Ali Manager (Dev.) Multan Division 1-Nov Malik Asghar Ayub Assistant Manager S.I.T.E. Division 1-Nov Muhammad Abid Ali Assistant Manager Property, Head Office 1-Nov Niaz Ahmed Gondal Assistant Manager Lahore Secretariat 1-Nov Nauman Qayyum Executive Officer Rawalpindi Division 1-Nov Akber Ali Sher Junior Assistant Cadre Gulberg Branch 1-Nov Ashraf Dadabhoy Manager (Dev.) Clifton Division 2-Nov Malik Abid Saleem Assistant Manager Rawalpindi Division 4-Nov

Muhammad Merajuddin Manager Property, Head Office 5-Nov Muhammad Hamza Farooqui Deputy Manager Clifton Division 5-Nov Badar Ameen Sissodia Assistant Executive Director Marine, Head Office 6-Nov S. Ikhlaq Hussain Naqvi Manager S.I.T.E. Division 6-Nov Talha Sher Chishti Manager Human Resources, Head Office 6-Nov Syed Mehtab Ali Shah Executive Officer Property, Head Office 6-Nov Muhammad Farooq Executive Officer Rawalpindi Division 7-Nov

Muhammad Khalid

Deputy Manager Motor, Head Office

7-Nov

Salim Razak Bramchari

Executive Director Tower

Branch

7-Nov

Syed Mojiz Hasan

Assistant Vice President (Dev) S.I.T.E. Division , Head Office

8-Nov

Muhammad Azad

Executive Officer City Rawalpindi

Branch

8-Nov

Imran Faisal

Manager

Lahore Division

9-Nov

Syed Imam Shah

Deputy Manager WTO,

Head Office

9-Nov

Safiah Jamal

Manager

Motor, Head Office

10-Nov

Ahmed Nadeem Alvi

Assistant Manager Gujranwala

Branch

10-Nov

Muhammad Hashim Abbasi

Executive Officer WTO, Head Office

10-Nov

Mushtaq Ahmed

Assistant Superintendent Leeds Centre Branch

10-Nov

Muhammad Shamim Siddiqui Senior Vice President (Dev.) Central Division

(Unit-C)

11-Nov

Parveen Akhtar

Executive Officer City Faisalabad Branch

11-Nov

Arfa Abdul Sattar

Executive Officer Personnel & Admin, Head Office

12-Nov

Faizullah

Executive Officer Central Division

12-Nov

Ghulam Mustafa

Assistant Manager Property, Head Office

14-Nov

Rizwan Ahmed Khan

Executive Officer

S.I.T.E. Division , Head Office

14-Nov

Wasim Ahmed

Senior Vice President (Dev) S.I.T.E. Division

15-Nov

Neaz Ahmed

Manager

Finance, Head Office

15-Nov

Sabeeh Khawar

Deputy Manager Clifton Division

15-Nov

Aslam Pervaiz

Executive Officer Clifton Division

15-Nov

Shazim Altaf Kothawala

Senior Executive

Vice President Metropolitan Division

16-Nov

Hasanali Abdullah

Managing Director M.D's Secretariat

17-Nov

Muhammad Afzal Khan

Sr.

Executive

Vice President I.T.

, Head Office

17-Nov

Abbas Qamber Rizvi

Assistant Manager Property, Head Office

17-Nov

Mohammad Shoaib

Sr.

Executive

Vice President A.

K. Unit Karachi

18-Nov

Riaz Ahmed

Deputy Manager A.

K. Unit Karachi

18-Nov

Muhammad Aamir Hanif

Senior Vice President (Dev) Jinnah Division

19-Nov

Farhan Qamar Siddiqui

Assistant Vice President Clifton Division

19-Nov

S. Mansoor Ali

Manager

Stationary, Head Office

19-Nov

Mustafa Johar

Assistant Manager I.T., Head Office

19-Nov

Zeeshan Adil Khan

Junior Officer

New Unit Lahore

19-Nov

Kaleem-Ud-Din Ghauri

Development Officer Al-Muqeet

Branch

19-Nov

1. 2. 3. 4. 5. 6. 7. 8. 9.

10.11.12.13.14.15.16.17.18.19.20.21.22.23.24.25.26.27.28.29.30.31.32.33.34.35.36.37.38.39.40.41.42.43.44.45.46.47.48.49.

Choudhry A. Razzak

Manager (Dev)

Faisalabad

Branch

20-Nov

Mr. Jaffer DossaDeputy Managing Director

Head of Southern Zone

Mr. Qamber Hamid Sr. Deputy Managing Director

Head of Northern Zone

Mr. M. Akber Awan Deputy Managing Director Head of Islamabad Region

Mr. Shaukat Saeed AhmedSr. Executive Director Head of Punjab Region

Issue: 128 Vol: XX # 3 19

Southern Zone

Northern Zone

10

30

51%

4%

20

40

50

0

25

50

75

125

100

(25)

(50) Punjab Region Islamabad Region

0

122%

(34)%


Mr. A. R. KhandiaDMD

Mr. S. M. HaiderSED

45%

20%

3%1%

(4)%

(51)%

Mr. S. Aftab H. Zaidi ED

Mr. M. Iqbal LodhiaSED

317%

Mr. S. Salman RashidDMD

Mr. M. Iqbal Dada ED

Mr. Shehzad HabibED50

(50)

(100)

(150)

100

150

200

300

250

0

Mr. Nudrat AliDMD

(30)%

(6)%

Mr. Liaquat A. KhanSEVP

Lahore Division

Clifton Division

Jinnah Division

SITE Division

Metropolitan Division

1

2

6

7

3

4

Multan Division 9

Rawalpindi Division

Central Division

Corporate Division

8

5

Mr. Nudrat AliDeputy Managing Director

Clifton Division

Mr. S. Salman RashidDeputy Managing Director

Central Division

Mr. Liaquat A. KhanSr. Executive Vice President

Lahore Division


Babar A. SheikhBank Square

Sitwat Mehmood Butt Gulberg Arcade Unit

Malik Firdaus Alam Islamabad

Ali Kausar City Branch Karachi

Shoaib Razzak Bramchari Tower, Karachi

A. Wahab PolaniA. W. P Unit, Karachi


Branch/UnitRank

2017 2016Islamabad Gulberg Arcade UnitBank Square

Faisalabad

Gulberg

City, Karachi

New Unit

Leeds Center

Tower

A.W.P. Unit

Crescent

Ichhra Hyderabad

Peshawar

Al-Hamd Mehran

Model

Denso Hall

Al-

FalahAl-Muqeet

City, Lahore

Port View

City, Rawalpindi

Gujranwala Sialkot

Jamrud Road

New Garden Town

Sahiwal

City, Faisalabad

Sargodha

123

4

5

6

7

8

9

10

11

1213

14

1515

16

17

1718

19

20

21

2122

23

24

25

26

27

1113

4

6

9

8

10

2

7

12

1314

16

1521

17

18

1920

20

5

18

2323

20

22

23

24

25

M. Iqbal DadaMetropolitan Division

Ali KausarCity Branch Karachi

A. Rehman Khandia Corporate Division

S. Aftab H. ZaidiRawalpindi Division

Malik Firdaus Alam Islamabad Branch

IftikharuddinLeeds Centre Branch


Mazhar H. Qureshi Mehran Branch

S. M. Haider SITE Division

Agha Ali Khan City, Rawalpindi

Liaquat Ali Khan Lahore Division

A. Shakoor Paracha Sargodha Branch

City Rawalpindi

Sargodha Branch

Lahore Division

City Branch, Lahore

New Garden Town

Sahiwal Branch

Clifton Division

Bank Square Branch

SITE Division

Gujranwala Branch

Rawalpindi Division

Peshawar Branch

Al-Falah Branch

Mehran Branch

Corporate Division

Hyderabad Branch

Central Division

100

100

96

95

94

93

90

88

90

89

87

85

83

78

78

82

76

1

2

3

6

4

5

8

9

10

12

11

Model Branch 72

13

Leeds Centre Branch 72

14

15

7


Score

Zarrar I. Z. Bandey City Branch Lahore

Nudrat AliClifton Division

Lahore Division

Clifton Division

Rawalpindi Division

City Rawalpindi Branch

SITE Division

Islamabad Branch

Multan Division

Metropolitan Division

Central Division

City Branch Karachi

A. K. Unit

Corporate Division

Jinnah Division

Gulberg Arcade Unit

A. W. P. Unit

3

5

4

34

7

8

9

10

16

15

20

11

6

2

11

2

3

4

5

6

7

8

9

10

11

12

13

14

15

Nudrat AliClifton Division

S. Salman Rashid Central Division

S. Aftab H. ZiadiRawalpindi Division

S. M. HaiderSITE Division

Liaquat Ali Khan Lahore Division


Agha Ali Khan City, Rawalpindi

1. Muhammad Farooq Gulberg Branch

2. Qasim Ayub Al-Muqeet Branch

3. Mehmood Ali Khan Faisalabad Branch

4. Imran Ghaffar Paracha Gulberg Arcade Unit

5. Syed Farhan Ali Ichhra

6. Haji M. Shakeel New Unit, Lahore

7. Azhar H. Chishti Leeds Centre Branch

8. M. Arif Bhatti Gujranwala Branch

9. M. Rizwan-ul-Haq Gulberg Branch

10. Imdadullah Awan Islamabad

1. Imdadullah Awan Islamabad Branch

2. Muhammad Imran Al-Falah Branch

3. Ather Qureshi Gulberg Arcade Unit


5. Ahmed Saeed Khan Al-Hamd Branch

6. Rana Khalid Manzoor Gulberg Arcade Unit

7. Ejaz Ahmed Islamabad Branch

8. Sami Ullah Ichhra Branch

9. M. Rizwan-ul-Haq Gulberg Branch

10. Saleem Babar Leeds Centre Branch

1. Rubina Khalid Lahore Division


3. Ashiq Hussain Bhatti Ichhra Branch

4. Haji M. Shakeel New Unit Branch

5. M. Tayyab Nazir Lahore Division

6. Saira Ahmed Al-Hamd Branch

7. Hafiz Muhammad Ijaz Gulberg Branch

8. Ejaz Ahmed Islamabad Branch

9. Syed Farhan Ali Ichhra Branch


1. Somia Ali Islamabad Branch

2. Haji M. Shakeel New Unit Branch

3. Imdadullah Awan Islamabad Branch

4. Azhar H. Chishti Leeds Centre Branch


6. Imran Ghaffar Paracha Gulberg Arcade Unit

7. Mehmood Ali Khan Faisalabad Branch

8. Saleem Babare Leeds Centre Branch


10. Hafiz Muhammad Ijaz Gulberg Branch

Muhammad FarooqGulberg Branch

Ashiq Hussain Bhatti Ichhra Branch


Mehmood Ali Khan Faisalabad Branch

Ather Qureshi Gulberg Arcade Unit

M. ImranAl-Falah Branch

Qasim AyubAl-Muqeet Branch

Imdadullah Awan Islamabad Branch

Imdadullah Awan Islamabad Branch

Somia Ali Islamabad Branch

Haji M. Shakeel New Unit, Lahore


Rubina Khalid Lahore Division

Score

Score

Shiraz AnsariCorporate Division

Jahangir A. ShaikhCorporate Division

(J.P. Unit)


(J.P. Unit)


(J.P. Unit)


(J.P. Unit)

S. Imran Zaidi Central Division

1. Sheraz Ansari Corporate Division

2. Jahangir A. Shaikh Corporate Division (J.P. Unit)

3. Shazia Rahil Metropolitan Division

4. Muhammad Aamir Metropolitan Div. (A.K Unit)

5. Nargis Mehmood Central Division (Unit B)

6. A. Wahab Polani Jinnah Division (A.W.P. Unit)

7. Kothawala (Group) Metropolitan Division

8. Anis Mehmood Central Division (Unit B)

9. Mobin Ahmed Niazi Central Division (Unit A)

10. M. Khalid Saleem Corporate Division

1. Jahangir A. Shaikh Corporate Division (J. P. Unit)

2. Ali Rafique Chinoy Corporate Division

3. S. Imran Zaidi Central Division

4. Ali Safdar SITE Division

5. S. Jaweed Envor Central Division (A. L Unit)

6. Hassan Abbas SITE Division

7. Tauqir H. Abdullah Clifton Division

8. S. Suhail Haider SITE Division (A. L. Unit)

9. Sarosh Hassan Central Division (Unit D)

10. S. Mojiz Hasan SITE Division (A. L. Unit)

1. Jahangir A. Shaikh Corporate Division (J.P. Unit)

2. Babar Zeeshan Mehran Branch

3. Ali Haider Rizvi Central Division (Unit B)


5. Syed Imran Zaidi Central Division

6. Syed Mojiz Hasan SITE Division (A. L. Unit)

7. Mir Amjad Ali Moosvi City Branch Karachi

8. Aamir Ali Khan Jinnah Division

9. Syed Nisar Ahmed Jinnah Division

10. S. Zulfiqar Mehdi City Branch Karachi

Top Three Top Three

Aamir Ali Khan Jinnah Division

Ali Rafique Chinoy Corporate Division


1. Aamir Ali Khan Jinnah Division

2. Shazia Rahil Metropolitan Division

3. Jahangir A. Shaikh Corporate Division (J. P. Unit)

4. Muneeb Farooq Kothawala Metropolitan Division

5. Muhammad Aamir Metropolitan Div. (A.K Unit)

6. Sheraz Ansari Corporate Division

7. Adeel Ahmed Central Division (Unit-A)


9. S. Imran Ziadi Central Division

10. A. Wahab Polani Jinnah Division (A.W.P. Unit)

Shazia Rahil Metropolitan Division

Shazia Rahil Metropolitan Division

Ali Haider Rizvi Central Division

(Unit-B)

Babar ZeeshanMehran Branch

Northern Zone

A. Shakoor ParachaSargodha Branch

Muhammad RiazPeshawar Branch

Ahmed Saeed Khan Al-Hamd Branch

Muhammad Arif Bhatti Gujranwala

Mehmood Ali Khan Faisalabad Branch

M. SohailNew Garden Town Branch

Akif Mukhtar Khan Model Branch

Ghulam JaffarCity Branch, Faisalabad

M. Rizwan-ul-HaqEgerton Road Branch

Ejaz AhmedIslamabad Branch

M. AshfaqSahiwal Branch


Taimoor ZaibJamrud Road Branch

Rubina Khalid Lahore Division

Rashid Ali City Branch, Lahore

Salman Saeed Sialkot Branch

Score


S. Zeeshan Abbas AbidiCity Branch, Rawalpindi

Akhtar Ali Rawalpindi Division

Ashiq Hussain BhattiIchhra Branch

Shahid Raza Kazmi Al-Falah Branch

Qasim AyubAl-Muqeet Branch

Azharul Hasan ChishtyLeeds Centre Branch

Haji M. Shakeel New Unit, Lahore

Alina Zehra Raza Bank Square Branch

Imran Ghaffar Paracha Gulberg Arcade Unit

Score


M. Awais MemonHyderabad

M. Imran Naeem Denso Hall, Karachi

M. Anis-ur-RehmanSITE Division

M. Shoaib R. Bramchari Tower Branch

Khalid Usman Port View B ranch

Syed Imran ZaidiCentral Division

M. Aamir KhadeliMetropolitan Division

(A. K. Unit)

Khozema Haider Mota Clifton Division

Babar ZeeshanMehran Branch

Shiraz Ansari Corporate Division

A. Wahab PolaniJinnah Division(A.W.P. Unit)

Noman Khan Crescent Branch

Shahid YounusMultan Division

Junaid Saleem City Branch, Karachi

In-house newsletter of EFU General

EFU House, 6th Floor, Room 618M.A. Jinnah Road, P.O. Box 5005, Karachi-74000Phones: 32313471-90 Ext. 210, Fax: 32310450E-mail: [email protected]: www.efuinsurance.com

Documents

Issue: 128 Vol: XX # 3 - efuinsurance.com · EFU General Insurance Limited was conferred second position with Best Corporate Report ... in Life Insurance. In window Takaful, EFU