Presentation

Topics

American Life Insurance

Company
INSURANCE
 Group Member

Tanjina Akter Kaniz Fatema Mimu Prodip Saha

18132601 18132605 18132607

Md. Wasim Mia Mahidul Islam Binoy Patrick Nokrek

18132623 18132631 18132652
What is Alico?

American life insurance is the largest life insurer in the country.

It serves over a million customers and is a major employer in Bangladesh with

over 16,000 field force and employees.

Established in 1952, the company was popularly known as ‘ALICO’ until its
acquisition by MetLife, Inc. globally in November 2010 when it was co-branded
as ‘MetLife Alico’ and later as ‘MetLife’ in 2015.
MetLife at a glance:

Registered Name American Life Insurance Company

Market Leader Since 1997

Number of Customers More than 1 million

Number of Sales Offices 9

Number of Customer Touch Points 14

Number of Agencies 217

Number of Unit Offices 56

Number of Financial Associates 16,000 +

Individual Life Insurance, Accident & Health, Group Life and Health,
Primary Products & Services Employee Benefits, Annuities, etc.

Financial Strength AAA Credit Rating in Bangladesh

 SWOT Analysis:

Strengths Weaknesses Opportunities Threats

• Brand value, • Higher overall unit costs • “ALICO” is operating • Bangladesh political
• Wide range of relative to other in over55 countries problem,
policies, countries, worldwide. Financial • Strikes cause
• Security of • Existing customers strength rating of A+. performing
money. already lost, Power operations properly.
failures, ALICO’s financial
• Higher operational costs. position remains
stable and strong.
Trend analysis of Financial Statements:

Income Statement Trend Percentage:

Particulars 2017 2018 2019
Gross Profit 100% 117% 119%
Operating Income 100% 178% 192%
Net Income 100% 128% 146%

Balance Sheet Trend Percentage:

Particulars 2017 2018 2019
Total Assets 100% 96% 103%
Total Liabilities and Share holders 100% 96% 103%
Equity
Critical Analysis on My Judgment
1. MetLife Current Ratio Historical Data:
Year Current Assets Current Liabilities Current Ratio

2017 $31124M $382431M 0.08

2018 $35465M $391522M 0.09

2019 $37041M $410793M 0.09

Met- C ur r ent R atio

0.092

0.09 0.09 0.09

0.088

0.086

0.084

0.082

0.08 0.08

0.078

0.076

0.074
2017 2018 2019
2. MetLife Debt/Equity Ratio Historical Data:
 Year Long Term Debt Shareholder’s Equity Debt to Equity Ratio
2017 $16.81B $58.87B 0.29

2018 $13.89B $52.96B 0.26

2019 $14.46B $66.38B 0.22

Met-Debt to Equity Ratio

0.35

0.3 0.29
0.25 0.26
0.22
0.2

0.15

0.1

0.05

0
2017 2018 2019
3. MetLife ROI-Return on Investment Historical Data:
 Year TTM Net Income LT Investments and Debt Return on Investment
2017 $3.54B $75.68B 4.29%
2018 $6.31B $66.85B 9.14%
2019 $6.80B $80.84B 8.63%

Met- R etur n on Invest ment

10.00%

9.00%

8.00%

7.00%

6.00%

5.00%

4.00%

3.00%

2.00%

1.00%

0.00%
2 0 17 2 0 18 2 0 19
Development of Economy of Metlife (Alico) Bangladesh:

MetLife Foundation has invested $ 783 million worldwide and has invested in various
institutions in positive organizations for positive change in the community. Along with
customer service, workforce for 49,000 employees and staff is ensuring the best work
environment, environmentally friendly workplace, and the best opportunities.

MetLife Foundation has donated nearly $12 million to bring positive change in the
lives of low-income people of Bangladesh.

The National Board of Revenue (NBR) has recognized MetLife as the highest tax payer
for 8 times in Bangladesh economy.
Recommendations

Metlife Alico has done remarkable activities to contribute in the economy in many ways :

Protecting the Environment

Enhancing Employee Benefits
Metlife Alico all Types of Goals that they try to achieve:
Investment Goal
Risk Management and Ethics Goals
Customer Goals
Employee Goals
Environmental Goals

“we recommend that after doing these activities they play an important role in
the economic development”.
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