As we watch the unfolding of the Coronavirus pandemic, our utmost concern is about the health and safety of our employees, their families, our customers and the communities in which we operate especially as the pandemic is taking unprecedented proportions.
We have employed health and safety precautions and working protocols across all our working locations before the lockdown and this will be on a much higher scale when the lockdown is lifted. We will comply with directives of the Government and World Health Organization as well as educate our employees to abide by their recommendations.
During this period, Allianz Nigeria activated its Business Continuity Plan and put to use remote working capabilities with limited disruption to our services. Various digital channels were put to use to aid premium collection and meet all stakeholder obligations.
As a member of a global group, Allianz Africa with presence in 12 countries including Nigeria earmarked 100,000 euros to support the COVID-19 efforts in the African countries where it operates. The funds which is in addition to the individual Operating Entity commitments in their respective countries will go into buying testing kits and medical supplies, which will be delivered directly to hospitals and health institutions.
Due to this pandemic, Allianz Nigeria as an entity will unavoidably face some disruptions within its business chain, however, we do not forsee liquidity challenges that may impact the company as a going concern.
In line with our commitment to the safety of our customers, employees and the community as a whole, we will align with all government directives and the work from home will continue for most of our staff as a proactive and precautionary measure. Therefore, we will approach the re-opening of our offices with caution. Considerations will be given to vulnerable employees with underlying health conditions and transportation challenges and our digital channels will be available to support all transactions.
As our teams are going beyond the usual course of business to support our customers during this crisis, we are more than committed to the wellbeing of our stakeholders and will be there for them in these difficult times.
With the challenging times and a lot of uncertainties ahead, we remain committed to the purpose of “Securing the Future” and to ensure we emerge stronger.
AXA, China Life, Ping An, Generali, Allianz Stock Analysis – Investing in Insurance (part 2)
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Andrew Brown’s Intrinsic Value Calculator
MUST READS FOR VALUE INVESTORS I don’t want to make a course because these books are better than any course. I prefer to listen to them through audible. Here are the links to the books and audiobooks.
Great For Beginners
Invested Danielle Town and Phil Town (Great introduction to value investing)
Rich Dad, Poor Dad Robert Kiyosaki (Mindset and Motivation)
The Barefoot Investor Scott Pape (Day to Day Financial Planning)
One Up On Wall Street Peter Lynch (Full of Gold)
Great For Getting Deeper into Investing.
The Little Book of Common Sense Investing Jack C. Bogle (Index Strategy)
The Little Book The STILL Beats the Market Joel Greenblatt (Simple Strategy)
The Acquirer’s Multiple Tobias E Carlisle (Simple Strategy)
The Dhandho Investor Mohnish Pabrai (My Favorite Investor)
100 Baggers Christopher Mayer (My Favorite Book)
The Education of a Value Investor Guy Spier (Advanced Mindset for Serious Investors)
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Now the companies i’m going to take a look at today are,
AXA of France,
Allianz of Germany,
Assicurazioni Generali of Italy,
Ping An of China
China Life also of China
AXA TICKERS = CS.PA (euro) or AXAHY (usd)AXA is a Paris based insurance company that is the second largest insurance company in the world based on net premiums.
I’ll look at the debt/equity ratio, earnings growth, ROE, combined ratio and Price to Tangible book value.
Debt/Equity.It’s extremely unlikely that any of these companies will go bankrupt, but with high debt, it means profit will be squeezed because of the larger repayments.
Next is Allianz which is a Munich, Germany based insurance company but similar to AXA they are truly global. They pretty much handle all the different types of insurance you can think of. Another Mature global conglomerate.A solid company with better fundamentals than AXA but the price has a long way to fall before I’m interested.
Assicurazioni Generali is an Italian based insurance company mostly serving european countries. It is still one of the bigger insurance companies in the world even though it doesn’t have the global reach of AXA and Allianz. ROE is a little low, and it isn’t a bargain anyway. But the combined ratio is under 90% so it’s really strong and safe. If the price was to fall to the buy range, it wouldn’t be a bad investment at all.
Ping An is an interesting company. They are a high growth insurance company that is also in tech. So it’s a bit of a strange mixture. I think they want to be like Alibaba. But regarding their core business well they are truly an Insurance company that has been gaining market share in China. They have lots of backers, from Morgan Stanley, Goldman Sachs to the Shenzhen Government. So they are growing fast like a tech company, and I think they are undervalued because of this. But their Debt/equity is high, as they attempt to grow big. So this holds more substantial risk. I tried to factor that into my calculations for a buy price, and I still think it is a really good price right now. The problem is, it is really hard to calculate a growth company, especially a Chinese growth company. So maybe the safer play is China Life but I will be digger deeper into Ping An as I think it could be a bargain.
China Life Insurance
So this is 70% government owned, which makes things difficult to read. The fundamentals really do look good though. Very low debt, reasonable price to tangible book value, and the intrinsic value is also really good. It appears to be a great investment… But the 70% government owned thing makes it tough to trust.So there is some risk here and I think it will require a lot more digging.But the ratings Agency Fitch, has done a lot of background digging for me, and they give it a strong A+ Rating. Look, this means something, but not everything. Another problem I had was I spent hours looking for the combined Ratio and couldn’t find it anywhere. So I would want to know this before investing.
Hope you enjoyed this insight into some international insurance companies and I’ll see you in the next video.
นอกจากการดูบทความนี้แล้ว คุณยังสามารถดูข้อมูลที่เป็นประโยชน์อื่นๆ อีกมากมายที่เราให้ไว้ที่นี่: ดูความรู้เพิ่มเติมที่นี่
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Meet Stela, Life Actuarial at Allianz SE
Meet Stela, one of our Actuaries at Allianz.
Interested in other exciting jobs?
Find more on http://www.careers.allianz.com
Find us online if you want to learn more about what’s going on in the world of Allianz!
Allianz Group is one of the world’s leading insurers and asset managers.
We offer our customers in more than 70 countries a wide range of personal and corporate insurance services, ranging from property,
life and health insurance to assistance services to credit insurance and global business insurance.
Be Curious and Explore. Happy New Year!
As the year draws to a close, it’s the perfect time to reflect on what we achieved and experienced in 2017… and on our hopes and dreams for the future. Happy Holidays from Allianz – and may all your wishes come true in 2018!
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The Allianz Group serves 86 million retail and corporate customers in more than 70 countries, making it one of the world’s largest insurers and asset managers. In 2016, over 140,000 employees worldwide achieved total revenues of 122.4 billion euros and an operating profit of 10.8 billion euros. Allianz Group managed an investment portfolio of 653 billion euros. Additionally our asset managers AllianzGI and PIMCO managed over 1.3 trillion euros of thirdparty assets. Allianz customers benefit from a broad range of personal and corporate insurance services, ranging from property and health insurance to assistance services to credit insurance and global business insurance. As an investor, Allianz is active in a variety of sectors including debt, equity, infrastructure, real estate and renewable energy. The Group’s longterm value strategies maximize riskadjusted returns.
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Aliyans – 04 | തൊപ്പി | Comedy Serial (Sitcom) | Kaumudy
Aliyans is a family comedy sitcom of Kaumudy TV. Its about the love hate relationship between two brotherinlaws and their families. Aneesh Ravi, Soumya Bhagyananthan, Riyas Narmakala, Manju Pathrose, Sethulekshmi, Binoj Kulathoor, Mani Shornur and Akshayamol. Aliyans is directed by Rajesh Thalachira.
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Aliyans AliyanVsAliyan ComedySerial
นอกจากการดูบทความนี้แล้ว คุณยังสามารถดูข้อมูลที่เป็นประโยชน์อื่นๆ อีกมากมายที่เราให้ไว้ที่นี่: ดูบทความเพิ่มเติมในหมวดหมู่Music of Turkey