investment portfolio of insurance industry of bangladesh

8/12/2019 Investment Portfolio of Insurance Industry of Bangladesh

1/17

!!"#$%!"!"#$%&'$"&!"#$%"&'"!"!"#$%&"'(!"#$%&'(!"!"#$%"&'()


2/17

! #$%&' () *)+,#$-,)$ .(/$0(1*( (0 *)#%/!)2,

!"#$%&'( *+ ,-"./-#0%1

$%&'(%&) *+%, -(./&&0( 1%&*2/

3&456%&%7/.52565& +* 86.2/&.. 1)02/2.5%(52+/

9/2:&%.25; +* (

$%&'(%&) ?;,

"@ 5&% B81 CD< E+AAF"GH

#@


3/17


4/17

-."/012)"-0.

8(/YA()&.= =(. ( =2.5+%; +* 2/.6%(/4& 2/)6.5%; (Y2/Y (?+65 ( 4&/56%;@ 8&*+%& A2?&%(52+/(?+65 PD 2/.6%(/4& 4+0'(/2&. 2/4A6)2/Y "G A+4(AA; 2/4+%'+%(5&) +/&. =() 2/.6%(/4&

?6.2/&.. 2/ J(.5 $(>2.5(/@ 1*5&% A2?&%(52+/Q (AA 5=& 2/.6%(/4& 4+0'(/2&. +* 5=2. (%&( Z&%&/(52+/(A2[&) 6/)&% 5=& 4+/5%+A +* *2:& 2/.6%(/4& 4+0'(/2&. 5=%+6Y= 8(/YA()&.=7/.6%(/4& S%)&% "NP#@ 7/ "NPH Y+:&%/0&/5 )&42)&) 5+ .&'(%(5& 5=& 5Z+ 0(\+% .&45+%.

+* 2/.6%(/4&] A2*& 2/.6%(/4& ^ Y&/&%(A 2/.6%(/4&@

_25= 5=& Y%+Z5= +* ( 4+6/5%;`. &4+/+0;Q 5=&%& 2. 2/ 2/4%&(.& 2/ 5=& *(42A25(52/Y %+A&'A(;&) ?; 5=& *2/(/42(A .&%:24&. .&45+%@ T2/(/42(A M&%:24&. 'A(; ( .6''+%52:& %+A& 2/ 5=&

?(.24 (452:25; +* '%+)6452+/@ 7/.6%(/4& *%&&. 2/)6.5%2&. *%+0 5=& Z+%%2&. +* A+..&. (/)6/4&%5(2/52&.@

7/.6%(/4& =&A'. '%+4&.. +* 5=& 4+6/5%;`. Y%+Z5= 2/ :(%2+6. Z(;., 7/.6%(/4& 4+:&%.

0(/; &4+/+024 %2.>.@ 75 '%+5&45. &/5%&'%&/&6%. (Y(2/.5 5=& %2.> +* )(0(Y& 5+ +% A+..&.+* 5=& Y++). (/) +5=&% (..&5.Q Z=24= 5=&; &0'A+; 2/ 0(/6*(456%2/YQ 0(%>&52/YQ

5%(/.'+%5 (/) +5=&% %&A(5&) (452:252&.@ -=2. '%+5&452+/ +**&%. ( >2/) +* .5(?2A25; 5+?6.2/&..@

_25= 5=& 4+:&% +* 2/.6%(/4& +/ 5=&2% (..&5.Q ?6.2/&..0&/ (/) 2/)6.5%2&. (%& (?A& 5+ 5(>&

?+A) )&42.2+/. 2/ &/A(%Y2/Y 5=&2% *2&A) +* (452:25;Q (/) 5(>& *2/(/42(A %2.>. Z=24= 5=&;4(//+5 +5=&%Z2.& 5(>&@ L&/4&Q 2/.6%(/4& 'A(;. ( '%+0+52+/(A %+A& 2/ /(52+/]?62A)2/Y (/)

(A.+ 2/4%&(.2/Y 5=& /60?&% +* \+?. *+% 5=& '&+'A&@

1Y(2/Q 5=&%& 2. A2*& 2/.6%(/4&Q Z=24= 'A(;. 5=& 0+.5 6.&*6A %+A& 2/ 5=& A2:&. +* 2/)2:2)6(A.@32*& 2/.6%(/4& +**&%. &4+/+024 .(*&5; (5 %&(.+/(?A& 4+.5 5+ 02AA2+/. +* *(02A2&. 2/ 5=&

4+6/5%;@ 7/ ( Z(;Q 5=2. =&A'. 5=& Y+:&%/0&/5 (A.+ (. 25 A2Y=5&/. 5=& Y+:&%/0&/5. ?6%)&/+* '%+:2)2/Y .+42(A Z&A*(%& 5+ (**&45&) *(02A2&.@

7/.6%(/4& 4+0'(/2&. 4+AA&45 '%&0260 *%+0 '+A24;=+A)&%. (/) 2/:&.5 5=2. 0+/&; 2/

Y+:&%/0&/5 ?+/).Q 4+%'+%(5& .&46%252&. (/) +5=&% (''%+:&) 4=(//&A. +* 2/:&.50&/5@ 7/5=2. Z(;Q 2/.6%(/4& X+0'(/2&. (%& =&A'*6A 2/ '%+:2)2/Y 4('25(A *+% /&Z :&/56%&. +%

&a'(/.2+/ +* +A) 6/25.@ -=&.& *6/). (%& (A.+ 6.&) *+% *2/(/42/Y 5=& 2/*%(.5%6456%&'%+\&45. Z25= A+/Y Y&.5(52+/ '&%2+)@ -=2. A&/)2/Y +* *6/). *+% 2/*%(.5%6456%& (/) +5=&%

)&:&A+'0&/5 2/*A6&/4&. 5=& )&42.2+/]0(>2/Y '%+4&.. 2/ 5=& Y+:&%/0&/5@

7/.6%(/4& 2/ 8(/YA()&.= 5+)(; 4+:&%2/Y ( ?%+() %(/Y& +* 5+'24.Q 5=& ?++>A&5 .=+Z. 5=&)2:&%.25; +* 8(/YA()&.= 2/.6%(/4&Q 25. )&:&A+'0&/5 (/) 25. $%+.'&45.@ 75 (A.+ '%+:2)&. (

A+5 +* 2/5&%/(52+/(A 4+0'(%2.+/.Q Z=24= '65 )&:&A+'0&/5. 2/ 8(/YA()&.= 2/5+

'&%.'&452:&@ 8(/YA()&.= ?; /(52+/(A25; =(. '6%.6&) ( A+5 +* =2. '%+*&..2+/(A 4(%&&%+:&%.&(.@

M2/4&Q 5=& 520& Z=&/ ?6.2/&..&. Z&%& 52Y=5A; %&Y6A(5&) (/) 4+/4&/5%(5&) 2/ 5=& =(/). +*( *&Z '6?A24 .&45+% 2/.6%&%.@ T+AA+Z2/Y 5=& '(..(Y& +* 5=& 7/.6%(/4& E&Y6A(5+%; (/)

&5])%2:&/ 4+0'&5252+/@ -=2. .=2*5 =(. ?%+6Y=5(?+65 0(\+% 4=(/Y&. 5+ 5=& 2/)6.5%;@ -=& 2/(6Y6%(52+/ +* ( /&Z &%( +* 2/.6%(/4&

)&:&A+'0&/5 =(. .&&/ 5=& &/5%; +* 2/5&%/(52+/(A 2/.6%&%.Q 5=& '%+A2*&%(52+/ +* 2//+:(52:&

'%+)645. (/) )2.5%2?652+/ 4=(//&A.Q (/) 5=& %(2.2/Y +* .6'&%:2.+%; .5(/)(%).@-=&%& (%& Y++) %&(.+/. 5+ &a'&45 5=(5 5=& Y%+Z5= 0+0&/560 4(/ ?& .6.5(2/&)@ 7/

'(%5246A(%Q 5=&%& 2. =6Y& 6/5(''&) '+5&/52(A 2/ :(%2+6. .&Y0&/5. +* 5=& 0(%>&5@ _=2A&

5=& /(52+/ 2. =&(:2A; &a'+.&) 5+ /(56%(A 4(5(.5%+'=&.Q 2/.6%(/4& 5+ 0252Y(5& 5=& /&Y(52:&

*2/(/42(A 4+/.&b6&/4&. +* 5=&.& ():&%.& &:&/5. 2. 6/)&%)&:&A+'&)@ -=& .(0& 2. 5%6& *+%?+5= '&/.2+/ (/) =&(A5= 2/.6%(/4&Q Z=&%& 2/.6%&%. 4(/ 'A(; ( 4%2524(A %+A& 2/ ?%2)Y2/Y


5/17

)&0(/) (/) .6''A; Y('.@ B(\+% 4=(/Y&. 2/ ?+5= /(52+/(A &4+/+024 '+A242&. (/)

2/.6%(/4& %&Y6A(52+/. Z2AA =2Y=A2Y=5 5=& '%+.'&45. +* 5=&.& .&Y0&/5. Y+2/Y *+%Z(%)@

0345)"-65 07 "85 9"21:

-=& '('&% =(. *+46.&) +/ 5=& 2/:&.50&/5 '+%5*+A2+ .5%6456%& +* 2/.6%(/4& 4+0'(/2&. 2/

8(/YA()&.=@ M'&42*24(AA;]

"@ -+ =(:& (/ 2)&( (?+65 5=& 2/.6%(/4& 2/)6.5%; +* 8(/YA()&.=

#@ -+ +?.&%:& 5=& Y%+Z5= 2/ Y&/&%(A 2/.6%(/4& 2/)6.5%; +* 8(/YA()&.=

H@ -+ *2/) +65 5=& .5%6456%& +* 2/:&.50&/5 '+%5*+A2+ +* .&A&45&) 2/.6%(/4& 4+0'(/2&.

2/ 8(/YA()&.=

C@ -+ *2/) +65 5=& )&5&%02/(/5 *(45+%. +* 2/:&.50&/5 '+%5*+A2+

;5"8010">

7/*+%0(52+/ %&Y(%)2/Y 5=& 2/:&.50&/5 '+%5*+A2+ +* .&A&45&) 2/.6%(/4& 4+0'(/2&. =(.

?&&/ 4+AA&45&) *%+0 5=& (//6(A %&'+%5. +* 5=& 4+/4&%/&) 4+0'(/2&.@ 8&.2)&. 5=(5 5=&

7/.6%(/4& V&(% 8++> '6?A2.=&) ?; 8(/YA()&.= 7/.6%(/4& 1..+42(52+/ c871d =(. (A.+

?&&/ 652A2[&) 5+ Y&5 %&b62%&) 2/*+%0(52+/@ M+ 25 4(/ ?& .(2) 5=(5 5=& '('&% 2. ?(.&) +/

.&4+/)(%; )(5( .+6%4&@

9>;?2/Y (:&%(Y& )(5(@

-+ %&'%&.&/5 5=& .4&/(%2+ +* 2/.6%(/4& 2/)6.5%; .4(55&% )2(Y%(0 =(. ?&&/ 6.&)@ 1A.+ 5+

Y&5 5=& Y%+Z5= %(5& +* 2/.6%(/4& 2/)6.5%;Q 5=& (:&%(Y& :(A6& (/) 5+ Y&5 5=& '%+'+%52+/ +*

2/:&.50&/5 5=& %(52+ 0&5=+) =(. ?&&/ 6.&)@

-+ 5&.5 5=& =;'+5=&.2. %&Y%&..2+/ (/(A;.2. =(. ?&&/ 652A2[&)@

-+ (4=2&:& 5=& +?\&452:&.Q Z& *+%06A(5&) 5=& *+AA+Z2/Y =;'+5=&.2.,

"@ -=&%& 2. /+ .2Y/2*24(/5 %+A& +* .2[& +* 2/.6%(/4& 4+0'(/; c(..&5 .2[&d 6'+/2/:&.50&/5 '+%5*+A2+ c(0+6/5 +* 2/:&.50&/5d +* 5=& .(0'A& 2/.6%(/4& 4+0'(/2&.@

#@

-=&%& 2. /+ .2Y/2*24(/5 %+A& +* '%+*25(?2A25; c/&5 2/4+0&d 6'+/ 2/:&.50&/5'+%5*+A2+ c(0+6/5 +* 2/:&.50&/5d +* 5=& .(0'A& 2/.6%(/4& 4+0'(/2&.@


6/17

9)0?5 07 "85 9"21:

-+ +?.&%:& 5=& Y%+Z5= +* 5=& 2/.6%(/4& 2/)6.5%; +* 8(/YA()&.= +:&% 520&Q +/A; 5=& )(5(

(*5&% 5=& ;&(% #GGG 2. 4+/.2)&%&)@ -=& .56); 2. 0(2/A; 4+/4&/5%(5&) 2/ ( X25;@ R+Z

( )(; 25. 0(%>&5 2. &a'(/)2/Y 2/ +5=&% )2.5%245 X25; (%&(.@ . (/) 5+ &a'A+%& 0+%& /&Z 5=2/Y.Q (. Z& =() 5+ )+ ( %&Y6A(%

+**24& \+? ?&.2)& 5=2. '%+\&45@

3(4> +* &a'&%2&/4&, 1 4+0'%&=&/.2:& %&.6A5 +* '%(4524& +* 0(%>&52/Y .56); 4+6A) /+5 ?&

*+6/)Q (. =() .+0& '2:+5(A A2025(52+/. A2>& 2/&a'&%2&/4&@ M+0&520&. 25 2. /&4&..(%; 5+

&:(A6(5& 5=& '%20(%; )(5( 5=%+6Y= 2/:&.52Y(52+/.Q Z=24=Q 2* Z& 4+6A) =(:& )+/&Q

4&%5(2/A; 0()& +6% %&'+%5 ( ?&55&% +/&@

2/Y 2/)6.5%;@ -=2. 2/)6.5%; =&A'. 5=& ?6.2/&.. .&45+% (. Z&AA (. 2/)2:2)6(A.

0+%& &a5&/.2:&A; 5=(/ 5=& ?(/>.@ 8&4(6.& 2* +/& 5(>&. ( A+(/ (5 /&4&..25; +* *6/) *%+0 (

?(/>Q 2/ &a4=(/Y& +/& Z2AA =(:& 5+ '(; ( =2Y=&% :(A6& *+% 5=(5 2/4A6)2/Y 2/5&%&.5@ S/ 5=&

+5=&% =(/)Q 2/ 4(.& +* (/ 2/.6%(/4& 4+0'(/;Q 5=& '+A24;=+A)&% Y&5. ( A(%Y&% (0+6/5 (.

4A(20 (Y(2/.5 (/; A+.. 4+:&%&) (5 5=& 520& +* %&(A 5%+6?A& 2/ &a4=(/Y& +* ( .0(AA '(;0&/5

2/ 5=& *+%0 +* '%&0260@ 1%>&AA c#G""d .5(5&. 5=(5 2/.6%(/4& 2/)6.5%; 'A(;. ( 0+%&

*6/)(0&/5(A %+A& 2/ 6/)&%'2//2/Y 5=& Z+%>2/Y +* ( 0+)&%/ .+42&5;Q ?&2/Y ( /&4&..(%;

'%&4+/)252+/ *+% 0(/; (452:252&.@

S;(5+;& ^ 1%2A&.&%%& c#G"#d .5(5&. 5=(5 (. 25 2. 4%642(A *+% 2/.6%(/4& 2/)6.5%; 5+ .6%:2:&

(/) )&:&A+'Q 5=& 2/.6%(/4& 2/:&.50&/5 &/(?A&. 2/.6%(/4& 4+0'(/2&. 5+ +**.&5 5=&2%

'+..2?A& 6/)&%Z%252/Y A+..&. (/) 0(>& ( 4+/.2)&%(?A& '%+*25@ B6>(52 c#G"#d .5(5&. 5=(5

5=& %2.> *(4&) ?; (/ 2/.6%(/4& *6/) 0(/(Y&% )2**&%. *%+0 Z=(5 5=& 5;'24(A *6/) 0(/(Y&%


7/17

*(4&. ?&4(6.& +* 5=& *(45 5=(5 5=& %2.> 2/ 2/.6%(/4& 2/:&.50&/5 0(/(Y&0&/5 06.5 *(45+%

2/ 5=& A2(?2A25; .2)& +* 25. ?(A(/4& .=&&5 5=(5 2/4A6)&. ?&/&*25 (0+6/5. *+% .=(%&=+A)&%

4('25(A (. Z&AA (. 5=& %&.&%:&. 5=(5 (%& /&4&..(%; *+% 5=& 2/.6%&% *656%& 4A(20.@

7/ 8(/YA()&.= )2**&%&/5 (65=+%. =(:& (/(A;[&) )2**&%&/5 (.'&45. +* 2/.6%(/4& 2/)6.5%; +*5=& 4+6/5%;@ E(2=(/ c( *2/(/42(A (/(A;.5d =(. 0&(.6%&) 5=& '&%*+%0(/4& +* 2/.6%(/4&

2/)6.5%; ?+5= *+% A2*& 2/.6%(/4& (/) Y&/&%(A 2/.6%(/4& 2/ 5&%0. +* 4+%'+%(5& Y+:&%/(/4&Q

?6.2/&.. '%+*2A&Q %2.> 0(/(Y&0&/5Q '&%*+%0(/4& A&:&AQ .+A:&/4; (/) A2b62)25;@ E(2=(/

.5(5&. 5=(5 5=& .2Y/2*24(/5 '+%52+/ +* 5=& 2/:&.50&/5 '+%5*+A2+ +* 2/.6%(/4& 2/)6.5%; 2.

6.6(AA; >&'5 Z25= )2**&%&/5 ?(/>. (. T&5Q Z=24= .&%:&.

5=& '6%'+.& +* A2b62)25;@

-(0\2)Q E(=0(/ (/) 1*[( c#GGPd '65 A2Y=5 %&Y(%)2/Y 5=& %&(.+/. ?&=2/) /+/] '+'6A(%25;

+* 2/.6%(/4& .&%:24& 2/ 8(/YA()&.=@ R6%6A L(b c#GGed )&.4%2?&. =+Z 5=& 5%&/) +*

YA+?(A2[(52+/ 0(; 4%&(5& /&Z )20&/.2+/ +* 4=(AA&/Y&. *+% 2/.6%(/4& 2/)6.5%;@ 865 5=&

.5%6456%& +* 2/:&.50&/5 '+%5*+A2+ +* 5=&.& 2/.6%(/4& 4+0'(/2&. Z(. /+5 )2.46..&) 6/)&%

5=+.& .56)2&.@ M+ 5=& '('&% Z2AA ?& *+46.&) +/ 5=2. (%&( +* 2/:&.50&/5 '+%5*+A2+ .5%6456%&

+* Y&/&%(A 2/.6%(/4& 4+0'(/2&. 2/ 8(/YA()&.= (. 5=& 2/:&.50&/5 '+%5*+A2+ +* 2/.6%(/4&

2/)6.5%; =(. ?&&/ Y2:&/ &0'=(.2[& 2/ )2**&%&/5 .56)2&.@

7/ 8(/YA()&.= Y&/&%(A 2/.6%(/4& 4+0'(/2&. =(:& (4=2&:&) ( Y++) Y%+Z5= 2/ .'25& =6Y&

4+0'&5252+/ 2/ 5=& .&45+% (/) 5=&%& 2. =6Y& .4+'& *+% 5=& 2/.6%(/4& 4+0'(/2&. 2/ 5=&

4+6/5%;@ L+Z&:&% Z25= 5=& &a'(/.2+/ +* Y&/&%(A 2/.6%(/4& 2/)6.5%;Q 4+0'(/2&. 2/ 5=2.

2/)6.5%; (%& 2/:+A:2/Y 5=&0.&A:&. 2/ .&:&%(A 2/:&.50&/5 (452:252&.@ -=& Y&/&%(A

2/.6%(/4& 2/)6.5%; 2/ 8(/YA()&.= 4+/4&/5%(52/Y Z2AA ?& )2.46..&) (/) 5=& 2/:&.50&/5

(452:252&. +* 5=&.& 4+0'(/2&. Z2AA ?& (/(A;[&) 2/ 5=& '('&%@

"85 /0.1 72.)"-0. 07 -.92/>.)5 -. "85 5)0.0;:

-=& 0(2/ %+A&. '&%*+%0&) ?; 5=& 2/.6%(/4& .&45+% *+% 5=& &4+/+0; (%& 5=& *+AA+Z2/Y,

! -+ '%+0+5& *2/(/42(A .5(?2A25; (/) .&46%25; (5 ?+5= 5=& /(52+/(A (/) '&%.+/(AA&:&A.f

! -+ 0+?2A2[& .(:2/Y. (/) '%+:2)&. ( 4=(//&A *+% 5=& &**242&/5 6.& +* 4('25(A5=%+6Y= (452/Y (. ( .2Y/2*24(/5 2/.525652+/(A 2/:&.5+%f

! -+ *(42A25(5& 4%&)25 ?; '%+:2)2/Y .&46%25; *+% ?(/> A&/)&%. 2/ 5=& &:&/5 +*?+%%+Z&% )&*(6A5f

! -+ &/4+6%(Y& '%+)6452:& 2/:&.50&/5. (/) 2//+:(52+/ ?; 0252Y(52/Y 5=&4+/.&b6&/4&. +* *2/(/42(A 02.*+%56/&f

! -+ *(42A25(5& 2/5&%/(52+/(A 0&%4=(/)2.& 5%()&f! -+ &/(?A& 5=& &**242&/5 0(/(Y&0&/5 +* %2.>Q ?; )2:&%.2*;2/Y ?+5= '&%.+/(A (/)

(..&5 %2.>f

! -+ &/4+6%(Y& 5&4=/24(A 0&5=+). +* %&)642/Y %2.>f


8/17

! -+ &/(?A& '&%.+/(A %&.'+/.2?2A25; *+% 4&%5(2/ 2/.6%(/4& '%+:2.2+/Q 5=6. %&A2&:2/Y5=& .5(5& Z&A*(%& '%+Y%(0. +* 5=2. ?6%)&/, &a(0'A&. 2/4A6)& A2*& 2/.6%(/4&QZ+%>&%.` 4+0'&/.(52+/ +% 0&)24(A =&(A5= 4+:&%f

! -+ 4%&(5& ())252+/(A 2/4&/52:&. *+% 4+/5%+AA2/Y A+..&.f (/)Q! -+ .&%:& =+6.&=+A) 4+/.60&%.Q ?; '%+:2)2/Y 4+:&% *+% 4(%.Q =+6.&. (/) 5=&2%

4+/5&/5.Q A2*& (/) '&/.2+/ '%+)645.

?/0=/599 07 ?/-6>"5 =5.5/>< -.92/>.)5 -.129"/: -.

3>.=1598

1*5&% 5=& 2/4&'52+/ +* 5=& Y&/&%(A 2/.6%(/4& 2/)6.5%; +* 8(/YA()&.= 2/ '%2:(5& .&45+% 2/

"NeCQ ( Y++) /60?&% +* 2/.6%(/4& 4+0'(/2&. =(:& ?&&/ &0&%Y&) 2/ 5=& .0(AA &4+/+0;

%&.6A52/Y 2/ ( 4+0'&5252:& '+.252+/@ 7/ Y&/&%(A 2/.6%(/4& .&45+%Q '%2:(5& 2/.6%(/4&

4+0'(/2&. 4(0& 2/5+ 5=& &4+/+0; 2/ 5=%&& '=(.&.] 2/ "NeDQ 5=& *2%.5 Y%+6' +* 2/.6%(/4&

4+0'(/2&. c"Kd .5(%5&) *6/452+/2/YQ 2/ "NNKQ 5=& .&4+/) Y%+6' ced (/) 2/ #GGGQ 5=& 5=2%)

Y%+6' +* Y&/&%(A 2/.6%(/4& 4+0'(/2&. c"NdQ 5+5(A CH 4+0'(/2&.@ 865 5=2. b6(/525(52:&

Y%+Z5= )+&. /+5 /&4&..(%2A; .=+Z. b6(A25(52:& )&:&A+'0&/5@ -=& '%&.&/4& +* 5++ 0(/;

4+0'(/2&.Q CH Y&/&%(A (/) "P A2*&Q ('(%5 *%+0 5Z+ 4+%'+%(52+/.]] +/& *+% Y&/&%(A (/)

(/+5=&% *+% A2*& ]] (/) +/& 06A52/(52+/(A A2*& 4+0'(/; 2/ ( .0(AA 0(%>&5 =(. Y2:&/ %2.& 5+

(AA 5=& 6/&5=24(A '%(4524&. (/) 0(A()2&. %&5(%)2/Y 5=& Y%+Z5= +* 5=& 2/)6.5%; 2/ 5=& '(.5

)&4()&.@ cR6%6A L(bQQ #GGed@ -=& %(5& +* (//6(A Y%+Z5= 2/ A2*& 2/.6%(/4& 2. #D]#Pg 2/

+6% 4+6/5%; ?65 5=& '(% 4('25( 2/.6%(/4& (/) 5=& '+'6A(52+/ 4+:&%(Y& ?; 2/.6%(/4&

'+A24; 2. 5++ A+Z 4+0'(%&) 5+ +6% /&2Y=?+%2/Y 4+6/5%2&. A2>& 7/)2( ^ $(>2.5(/ (/) +**

4+6%.& 064= A+Z&% 4+0'(%&) 5+ 5=& )&:&A+'&) 4+6/5%2&.@ -=& 4+/5%2?652+/ +* 5=2.

.&45+% 5+ I


9/17

$ABCD >E 7FGHIJ GK 8FLMAID 7DNDFAC "NOPFANQD "NRPOIFS GK ,ANTCARDOJ

:A BCCD BCCB BCCE BCCF BCCG BCCH BCCI BCCJ BCCK BCDC

=A',,

?A&LMNL

"#$#%

&'

"($)%

*)

(###%

('

)$$+%

',

'#,&%

"$

'&'#%

)#

&"#'%

+,

###)+

%&+

#,,*"

%,$

#"**+

%&"

=A'O+P -$%$&*

'

$%#+"

,

$%#'"

(

$%#*'

(

$%##*

#

$%#*#

"

$%#*(

(

$%#$$

+

$%,##

)

2*Q&AOA

M+M*R

?A'(M+

#',%)

&

,&'%'

(

+&"%)

&

"(&%'

$

)+'%#

&

"()%&

*

)'*%&

#

&,*%'

)

#+()%

&(

#,),%

&"

=A'O+P -$%',"

,

$%+,(

)

$%#)"

'

$%+*)

#

-

$%,*,

*

$%"*(

)

$%+)*

$

$%")#

$

-

$%$)&

+

-*S&,+L

&*+

+)((%

,(

""**%

++

(#$$%

#"

())'%

'&

))##%

##

',,$%

*&

*('#%

"$

###+,

%"#

#,')(

%#(

#'#$'

%+'

=A'O+P -$%,,'

&

$%#+)

+

$%###

+

$%#))

"

$%$&,

,

$%#*'

$

$%,&*

*

$%#")

'

$%+"$

,

-*T'L&

(A'L

-*S&,+L

&*+

"$"%(

#

""'%*

"

"'(%"

*

))"%#

&

)((%$

"

'(+%"

+

#+,$%

*(

#"("%

))

#(")%

**

+#((%

()

=A'O+P -$%#$'

#

$%$)#

'

$%+&)

&

-

$%$#+

*

$%#($

,

$%'(+

#

$%#$#

+

$%$)+

"

#%$"$

$

"'+#%

>,,&+

&*)*%

+"

#$+,)

%'+

###"

(%)*

#,)))

%'$

#"#&&

%',

#(*#(

%(+

#&*,&

%)*

,,'()

%"$

+,)')

%)+

+++)*

%),

=A'O+P -$%$")

(

$%$'&

+

$%#+)

(

$%#,#

$

$%##+

*

$%,(+

*

$%#"'

)

$%"+(

&

$%$,#

,

1AA (0+6/5. 2/ 8S&A#R& =A'O+P

0S&A :A,

=A'O+P 7A'L BCCDU

BCDC

=A',, ?A&LMNL #(%"'. ,),%*(.

2*Q&AOAM+M*R ?A'(M+ ,*%"*. )+#%++.

-*S&,+L&*+, #*%&). +)*%$,.

-*T'L& (A'L -*S&,+L&*+ ,&%((. )*$%$&.

"'+#% >,,&+ #(%$). ,+*%#".


10/17

-=& Y%+.. '%&0260 +* 5=& '%2:(5& Y&/&%(A 2/.6%(/4& 4+0'(/2&. =(. (/ (:&%(Y& Y%+Z5=

%(5& +* "D@CPg +:&% 5=& ;&(% #GG" 5+ #G"G@ 7* Z& 4+0'(%& 5=& (0+6/5 +* Y%+.. '%&0260

)2%&45A; *%+0 #GG" 5+ #G"GQ Z& Y&5 (/ 2/4%&(.& 2/ 5=& Y%+.. '%&0260 +* #K#@eDg@ -=&

6/)&%Z%252/Y '%+*25. +* 5=& 4+0'(/2&. =(:& 2/4%&(.&) +/ (/ (:&%(Y& (5 #e@Ceg@

R+Z 2* Z& A++> (5 5=& .4&/(%2+ +* 2/:&.50&/5 0()& ?; 5=& 4+0'(/2&.Q 25 2. +?.&%:&) 5=(55=& 2/)6.5%; =(. 2/4%&(.&) 5=&2% 2/:&.50&/5 (452:25; (5 "e@NKg Z=&%&(. 2/4+0& *%+0

2/:&.50&/5 =(. 2/4%&(.&) ?; #N@DDg@

-=& .2[& +* 5=& 2/)6.5%;Q Z=24= 2. %&*A&45&) 5=%+6Y= 5=& 5+5(A (..&5.Q =(. (/ (:&%(Y&

2/4%&0&/5 +* "D@GKg@

?/0?0/"-0. 07 -.659";5."

1. 5=2. '('&% 2. 0(2/A; 4+/4&%/&) (?+65 5=& 2/:&.50&/5 (452:25; +* Y&/&%(A 2/.6%(/4&

4+0'(/2&. 2/ 8(/YA()&.=Q 2/ 5=2. '(%5 Z& *+46. +/ 5=& 2/:&.50&/5 '%+'+%52+/ +* Y&/&%(A

2/.6%(/4& 2/)6.5%; 6/)&% '%2:(5& .&45+% *%+0 5=& ;&(% #GG" 5+ #G"G@

$ABCD @E 8FGVGFILGN GK "NMDOIWDNI

:A BCCD BCCB BCCE BCCF BCCG BCCH BCCI BCCJ BCCK BCDC

-*S&,+L&*++)((%

,(

""**%

++

(#$$%

#"

())'%

'&

))##%

##

',,$%

*&

*('#%

"$

###+,

%"#

#,')(

%#(

#'#$'

%+'

"'+#% >,,&+&*)*%

+"

#$+,)

%'+

###"(

%)*

#,)))

%'$

#"#&&

%',

#(*#(

%(+

#&*,&

%)*

,,'()

%"$

+,)')

%)+

+++)*

%),

?A'V'A+M'*

'(

-*S&,+L&*+

+'%$"

$.

"+%")

+.

"(%'(

&.

""%'"

).

")%((

*.

"(%)(

'.

"+%,,

(.

"*%&,

$.

+&%$)

(.

(#%,)

*.

-(?A&, H %&*A&45. 5=& (0+6/5 +* 2/:&.50&/5 (. Z&AA (. 5=& (0+6/5 +* 5+5(A (..&5.

'+..&..&) ?; 5=& '%2:(5& Y&/&%(A 2/.6%(/4& 4+0'(/2&. *%+0 #GG" 5+ #G"G@ _25= 5=&

=&A' +* 5=&.& 5Z+ 2/*+%0(52+/ Z& 4(A46A(5&) 5=& '%+'+%52+/ +* 2/:&.50&/5Q Z=24= .=+Z.

5=(5 '%+'+%52+/ +* 2/:&.50&/5 0()& ?; 5=& 2/)6.5%; =(. 2/4%&(.&) Y%()6(AA; +:&% 5=&;&(%.@ _=&%&(. 5=& 2/)6.5%; 2/:&.5&) +/A; HP@GCg +* 5+5(A (..&5. 2/ #GG" 5=&;

(44&A&%(5& 5=&2% 2/:&.50&/5 (452:25; 2/ #GG# 5+ CH@CKg +* 5+5(A (..&5.@ 7/ #G"G 5=&

2/)6.5%; 2/:+A:&) D"@#Pg +* 5=&2% 5+5(A (..&5. *+% 2/:&.50&/5 '6%'+.&@

I%('= " (A.+ .=+Z. 5=& ?&=(:2+% +* Y&/&%(A 2/.6%(/4& 2/)6.5%; 5+Z(%). 2/:&.50&/5

5=%+6Y= ( ?(% )2(Y%(0@


11/17

7FAVJ >E 8FGVGFILGN GK "NMDOIWDNI

-=2. 6'Z(%) 0+:2/Y 5%&/) 2/)24(5&. 5=& *(45 5=(5 5=& '%2:(5& Y&/&%(A 2/.6%(/4&

4+0'(/2&. (%& ?&4+02/Y 0+%& 2/5&%&.5&) 5+ &0'A+; 5=&2% (..&5. *+% 2/:&.52/Y 2/

)2**&%&/5 *2/(/42(A (..&5. %(5=&% 5=(/ >&&'2/Y 0+/&; +/A; 2/ 5=&2% ?(/> (44+6/5.@

-.659";5." 9)85;5 07 -.92/>.)5 )0;?>.: -. 3>.=1598

8(.&) +/ 5=& (//6(A %&'+%5 +* 5=& .(0'A& Y&/&%(A 2/.6%(/4& 4+0'(/2&.Q Z& +?.&%:&)

5=& *2/(/42(A (..&5 25&0. 2/ Z=24= 5=&.& 2/.6%(/4& 4+0'(/2&. =(:& 2/:&.5&)@ 7/ 5=2. 4(.&

+/& 5=2/Y 5+ ?& /+5&) 5=(5 5=2. '('&% *+46.&. +/A; 5+Z(%). 5=& Y&/&%(A 2/.6%(/4&

4+0'(/2&. (/) 2/ Y&/&%(A 2/.6%(/4& 4+0'(/2&. 5=& '+A24; 2. 0()& *+% +/& ;&(% 5&/6%&Q

.+ 5=&.& 4+0'(/2&. 2/:&.5 5=&2% *6/) 0(2/A; 2/ .=+%5 5&%0 2/.5%60&/5. +% 2/.5%60&/5.

Z=24= (%& 0(%>&5(?A& 0&(/. &(.2A; .&AA(?A& 2/ 0(%>&5@

1*5&% (/(A;[2/Y 5=& (//6(A %&'+%5.Q Z& *+6/) 5=& *+AA+Z2/Y 2/.5%60&/5. 2/ Z=24= 5=&

.(0'A& 4+0'(/2&. 2/:&.5 0+%& +% A&..,

7@ I+:5@ M&46%252&., 1. Y+:&%/0&/5 .&46%252&. Y&/&%(A 2/.6%(/4& 4+0'(/2&. 0(2/A;2/:&.5 2/ R(52+/(A 7/:&.50&/5 8+/).@ -=2. 2. ( %2.> *%&& 2/:&.50&/5 *+% 5=&0 (.

Z&AA (. 5=2. 2/.5%60&/5 2. :&%; A2b62)@ B+%&+:&% 2/.6%(/4& 4+0'(/2&. Y&5

2/:+A:&) 2/ 5=&.& 2/.5%60&/5. (. ( '(%5 +* *6A*2AA0&/5 +* Y+:5@ .5(565+%;

%&b62%&0&/5.@

77@ X+%'+%(5&


12/17

7U@ M=(%&, 32>& Y+:5@ .&46%252&.Q 0+.5 +* 5=& .(0'A& Y&/&%(A 2/.6%(/4& 4+0'(/2&.2/:&.5 2/ .=(%&. +* )2**&%&/5 4+0'(/2&.@ B+.5 +* 5=2. .=(%& 2/:&.50&/5 2. )+/&

5=%+6Y= '%2:(5& 'A(4&0&/5@ 1 :&%; A&.. '&%4&/5(Y& +* 5=& 5+5(A .=(%& 2/:&.50&/5

2. )+/& 5=%+6Y= .5+4> &a4=(/Y&@

U@

7X8 & 2/:&.50&/5 +* (5 A&(.5 D '&% 4&/5 5+ #G '&% 4&/5 +*

5=&2% 2/:&.5(?A& *6/).@ 144+%)2/Y 5+ 5=& 7/.6%(/4& 145]#G"GQ 5=& 4+6/5%;h. &a2.52/Y A2*&

2/.6%(/4& 4+0'(/2&. =(:& ( '%+:2.2+/ *+% 2/:&.52/Y HG '&% 4&/5 +* 5=&2% *6/). 2/ 5=&

02/2060@ 865 5=&%& 2. /+ .64= '%+:2.2+/ *+% /+/]A2*& 2/.6%(/4& 4+0'(/2&.@ B+.5 +* 5=&

2/.6%(/4& 4+0'(/2&. (%& /+5 4+0'A;2/Y '%+'&%A; Z25= 5=& '%+:2.2+/@ 7/ 0+.5 4(.&. 5=&;

=(:& )&'+.25&) *6/). 2/ 4+00&%42(A ?(/>. 2/ 5=& *+%0 +* *2a&) )&'+.25@ M5&'. (%& ?&2/Y

5(>&/ 5+ .5+' .64= '%(4524& ?; A2*& 2/.6%(/4& 4+0'(/2&. (/) 5+ &/.6%& 02/2060 HG '&%

4&/5 2/:&.50&/5 +* 5=&2% *6/).@


13/17

-.659";5." ?0/"70.)5 )0;?>.-59 -.

3>.=1598

I2:&/ 5=& )(5( 2/ (//6(A %&'+%5Q 5=& '%+'+%52+/ +* 2/:&.50&/5 2/ )2**&%&/5 2/.5%60&/5.

=(. ?&&/ 4(A46A(5&)@ -(?A& C Y2:&. ( '2456%& +* 5=& '%+'+%52+/ +* 2/:&.50&/5 0()& ?; 5=&.(0'A& Y&/&%(A 2/.6%(/4& 4+0'(/2&. 2/ 5=& (?+:& .5(5&) 2/.5%60&/5.,

$ABCD +E 2IFPQIPFD GK "NMDOIWDNI 8GFIKGCLG

)'LV#*W='S+X

9&T+'A

)'AV'A#+&

1&$+X

-*,+ANL&*+

;M*'AM+W

0O*&A,PMV9P#A&

-)3

1&$&*+NA&

=A&&* 1&%+# $%,'. $%)). #$%(,. *+%$#. -

/&%M#*T& -*,NA#*T& ,%+,. ,%(#. - &(%#*. -

?M'*&&A "%#(. - - &(%*). -

?P'&*MY -*,NA#*T& "%#). - )$%,&. +(%,#. -

>,M# ?#,M(MT #(%,'. - - *"%'+. -

?A#R#+M -*,NA#*T& &&%'". - - $%$). $%,$.

2*M+&Q -*,NA#*T&

)'LV#*W,%#*. - - &'%*+. -

?&'V%&, -*,NA#*T&)'LV#*W

#,%"+. - - *'%('. -

)&*+A#% -*,NA#*T& #*%,,. - - *$%(#. -

;&AT#*+M%& -*,NA#*T&

)'LV#*W#&%. - - *$%$&. -

5#,+&A* -*,NA#*T& #%$*. $%)'. - &*%,". -

)M+W =&*&A#% -*,NA#*T& ,+%$*. - - ')%&+. -

5#,+%#*Q -*,NA#*T&

)'LV#*W#%"&. +%",. - &(%#$. -

-=& (?+:& 5(?A& .=+Z. 5=(5 5=& .(0'A& Y&/&%(A 2/.6%(/4& 4+0'(/2&. =(:& 5Z+ ?(.24

.5%&(0. +* 2/:&.50&/5. *2%.5 2. 5=& Y+:5@ .&46%252&. (/) 5=& .&4+/) +/& 2. 5=& .=(%&@

Ja4&'5 $%(Y(52 I&/&%(A 7/.6%(/4& X+0'(/;Q (AA 5=& +5=&% 4+0'(/2&. =(:& 5=& 0(2/

.&45+% +* 2/:&.50&/5 (. .=(%&. c0(2/A; 5=%+6Y= '%2:(5& 'A(4&0&/5d@ L+Z&:&% 5+ .+0&

&a5&/5 &:&%; 4+0'(/; 2/:&.5 2/ Y+:5@ .&46%252&. 0(2/A; (. ( %2.> *%&& 2/:&.50&/5 (/) (A.+

5+ 0&&5 6' 5=& .5(565+%; %&b62%&0&/5@

8&.2)&.Q *+6% 2/.6%(/4& 4+0'(/2&. +65 +* "H 4+0'(/2&. 2/:&.5 2/ 4+%'+%(5& )&?5

2/.5%60&/5.Q 5Z+ =(:& 2/:&.50&/5 2/ 02/+%25; +Z/&%.=2' (/) +/A; +/& =(. 2/:&.50&/52/ 7X8 )&?&/56%&@


14/17

7/ 4(.& +* 02/+%25; 2/5&%&.5 $=+&/2a 7/.6%(/4& X+0'(/; =(. 0(\+% 2/:&.50&/5 2/ 5=2.

.&45+%@

15"5/;-.>."9 07 -.659";5." ?0/"70.1 ?0/"70"-0.

7/ 5=2. .&452+/ (5 *2%.5 Z& 5%2&) 5+ *2/) +65 Z=&5=&% .2[& +* 5=& .(0'A& 2/.6%(/4&

4+0'(/2&. c5+5(A 1..&5d (**&45. 5=& 2/:&.50&/5. 0()& ?; 5=&0 +% /+5@ -=(5 0&(/. =&%&

Z& 5&.5&) +6% =;'+5=&.2. Z25= 5=& =&A' +* %&Y%&..2+/ (/(A;.2. *+AA+Z2/Y 5=& ?&A+Z

&b6(52+/,

7$ i ( j k"l"j &2

_=&%&Q

7$ i 7/:&.50&/5 $+%5*+A2+

l"i -+5(A 1..&5. cM2[& +* 5=& X+0'(/;d

-=& %&Y%&..2+/ (/(A;.2. .=+Z. ( :(A6& +*

E .b6(%& i G@NC#

1)\6.5&) E Mb6(%& i G@NHC

M2Y/2*24(/4& T i G@GGG

-=& %&.6A5. .=+Z 5=(5 5=& 2/)&'&/)&/5 :(%2(?A&. 5=(5 2. .2[& +* 5=& 4+0'(/; &a'A(2/. 5=&

2/:&.50&/5 '+%5*+A2+ +* .(0'A& Y&/&%(A 2/.6%(/4& 4+0'(/2&. NC@#g (/) 5=& %&.6A5 2.

.5(52.524(AA; .2Y/2*24(/5@ -=2. %&\&45. +6% /6AA =;'+5=&.2. (/) (44&'5. 5=& (A5&%/(52:&

=;'+5=&.2. 5=(5 .2[& +* 4+0'(/; =(. 20'(45 +:&% 5=& 2/:&.50&/5 '+%5*+A2+ +* .(0'A&

4+0'(/2&.@

-=&/ Z& 5%2&) 5+ *2/) +65 Z=&5=&% '%+*25(?2A25; cR&5 $%+*25d (**&45. 5=& 2/:&.50&/5. 0()&

?; 5=&0 +% /+5@ -=(5 0&(/. =&%& Z& 5&.5&) +6% =;'+5=&.2. Z25= 5=& =&A' +* %&Y%&..2+/

(/(A;.2. *+AA+Z2/Y 5=& ?&A+Z &b6(52+/,

7$ i ( j k#l#j &2

_=&%&Q

7$ i 7/:&.50&/5 $+%5*+A2+

l#i R&5 $%+*25 c$%+*25(?2A25;d

-=& %&Y%&..2+/ (/(A;.2. .=+Z. ( :(A6& +*

E .b6(%& i G@eN"1)\6.5&) E Mb6(%& i G@ePe


15/17

M2Y/2*24(/4& T i G@GGG

-=& %&.6A5. .=+Z 5=(5 5=& 2/)&'&/)&/5 :(%2(?A&. 5=(5 2. '%+*25(?2A25; &a'A(2/. 5=&

2/:&.50&/5 '+%5*+A2+ +* .(0'A& Y&/&%(A 2/.6%(/4& 4+0'(/2&. eN@"g (/) 5=& %&.6A5 2.

.5(52.524(AA; .2Y/2*24(/5@ -=2. %&\&45. +6% /6AA =;'+5=&.2. (/) (44&'5. 5=& (A5&%/(52:&=;'+5=&.2. 5=(5 '%+*25(?2A25; =(. 20'(45 +:&% 5=& 2/:&.50&/5 '+%5*+A2+ +* .(0'A&

4+0'(/2&.@

7>)"0/9 15"5/;-.-.= "85 -.659";5." 9"/>"5=-59

7/:&.50&/5 )&'(%50&/5. =(:& 5%()252+/(AA; ?&&/ .&5 ('(%5 2/ +6% 2/)6.5%; 5+ '%+5&45 5=&

(..&5. ?62A5 6' 2/ 5=& ?6.2/&.. (/) 5+ &(%/ ( %&56%/ ?+5= +/ 5=&.& *6/). (/) +/ 5=&

())252+/. Y&/&%(5&) ?; :+A60& Y%+Z5= (/) %&5(2/&) &(%/2/Y.@ -=& .&'(%(5& 4=(%(45&% +*

5=& )&'(%50&/5 =(. )&:&A+'&) *+% ( /60?&% +* %&(.+/.@

-=& /(56%& +* 5=& 2/.6%(/4& .2)& +* 5=& ?6.2/&.. 2. .64= 5=(5 '%(4524(AA; (AA +65A(;. (%&

:2&Z&) (. &a'&/.&. 5+ ?& 4+/5%+AA&)Q (/) 5=& /(56%& +* 5=& 2/]:&.50&/5 .2)& 2. .64= 5=(5

'%(4524(AA; (AA +65A(;. (%& 4+/.2)&%&) (. 2/:&.50&/5. 5+ ?& &/4+6%(Y&)@ -=6. 5=&%& 2. (

02/2060 +* 4+0'&5252+/ *+% 5=& '%2:2A&Y& +* .'&/)2/Y 5=& 4+0'(/;h. 0+/&;@ -=&

A&Y2520(5& )&.2%& 5+ >&&' 2/:&.50&/5 %&.6A5. +65 +* 2/.6%(/4& %(5&. =(. (A.+ 4+/5%2?65&)

5+ 5=& 2.+A(52+/ +* 5=& 2/:&.50&/5 *6/452+/@

T%+0 Z=(5 =(. ?&&/ .(2) 5=6. *(%Q 25 02Y=5 ?& 4+/4A6)&) 5=(5 5=& 2/:&.50&/5 0(/(Y&%

=(. 5=& ?&.5 +* (AA '+..2?A& Z+%A).]=& 2. .&5 ('(%5 *%+0 5=& '%+?A&0. +* 5=& 2/.6%(/4&?6.2/&..Q =2. *&AA+Z &a&4652:&. 0(>& &:&%; &**+%5 5+ 0(a202[& 5=& 0+/&; =& =(. 5+

.'&/)Q (/) /+ +/& .&&0. 5+ 0&(.6%& 5=& %&.6A5 +* =2. &**+%5.m T+% (/; 2/:&.50&/5 0(/

Z=+.& :2&Z +* =2. %&.'+/.2?2A252&. 2. 5=2. 4+0*+%5(?A&Q /&&) =(%)A; ():2.& 5=(5 =& .=+6A)

/&:&% .&AA ( ?+/) (5 ( A+.. 2* 25 2. (0+%52[(?A&Q (/) .=+6A) (AZ(;. ()) 5+ 4+00+/ .5+4>

4(%%2&) (5 ( A+Z 4+.5@ R&25=&% '%&4&'5 2. Y6(%(/5&&) 5+ '%+)64& ( Y++) %&.6A5Q ?65 Z2AAQ

/+/&5=&A&..Q '%&.&/5 ( *(:+%(?A& (''&(%(/4&@

8&*+%& 5=& '+%5*+A2+ 0(/(Y&% 4(/ 0(>& 6.&*6A )&42.2+/.Q 5=&%& (%& .&:&%(A 0(\+% *(45+%.

=& 06.5 5(>& 2/5+ (44+6/5 2/ '6%.62/Y =2. 2/:&.50&/5 '+A24&.@ -=&.& Z+6A) ?&,

c7d M5(5& 2/.6%(/4& A(Z.c#d -(a A(Z.

cHd T2/(/42(A '+.252+/

cCd 32b62)25; %&b62%&0&/5.Q (/)

cDd B(%>&5 4+/)252+/.


16/17

)0.)


17/17

/575/5.)59

"@ n

investment portfolio of insurance industry of bangladesh

Documents