Olp Modaraba · PSX:OLPM
Olp Modaraba — Investor Presentation (October 2026)
37 slides from Olp Modaraba's investor presentation, Oct 28, 2026
Slide 1: Corporate Briefing Session 2025-26
OLP MODARABA (OLPM) Corporate Briefing Session 2025-26 Performance for the year ended June 30, 2026 and outlook Wednesday, October 28, 2026 · 12:15 p.m. Iqbal Auditorium, National Institute of Banking and Finance (NIBAF), M.T. Khan Road, Karachi
Slide 2: Table of Contents
P R E S E N TAT I O N O U T L I N E Table of Contents 01 Modaraba Profile 05 Awards and Ratings 02 Governance 06 Leadership and Auditors Update 03 Operations 07 Way Forward 04 Financial Performance 08 Questions and Answers 2
Slide 3: Modaraba Profile
2022 o 2016 sy OLP Modaraba| OP ORIX Modaraba an Profile
Slide 4: Brief profile of OLP Modaraba
MODARABA PROFILE Brief profile of OLP Modaraba OLP Modaraba began operations in 1987 as First Grindlays Modaraba, became Operating since 1987 Standard Chartered Modaraba in 2004 and joined the ORIX Group of Japan in 2016. It was renamed OLP Modaraba in 2022. 39 years It is a perpetual, Shariah-compl
Slide 5: Group structure
MODARABA PROFILE Group structure ORIX Corporation, Japan Certificate holding Ultimate parent group 10% 10% OLP Financial Services Pakistan Limited Parent company · holds 10% of Modaraba certificates directly and 100% ownership of Management company 80% OLP Services Pakistan (Private) Limited; Manage
Slide 6: Vision, Mission and Core Values
VISION Our vision is to be the leading Shariah compliant financial services entity by constantly anticipating market needs with the aim to create value for stakeholders. MISSION Our mission is to meet the client needs by ensurin: holders CORE VALUES INTEGRITY We promote honesty and fairness in all o
Slide 7: Governance
02 Governance 7
Slide 8: Board of Directors of the Management Company
GOVERNANCE Board of Directors of the Management Company Director Category Committee roles Mr. Shaheen Amin * Chairman, Non-Executive Chairman Risk Committee; Member HR&R Mr. Waqas Ahmad Khwaja CEO, Executive Member Risk and HR&R Committees Mr. Yacoob Suttar Independent Director Chairman Audit Commit
Slide 9: SWOT analysis
GOVERNANCE SWOT analysis Strengths Weaknesses • Experienced management in Shariah-Compliant Finance • Limited ability to mobilize public deposits • AA / A1+ rating, sound governance and prudent risk management • Higher costs of regulatory and Shariah compliance • Diversified Islamic product range fo
Slide 10: Risk governance
GOVERNANCE Risk governance A Board-approved Risk Management Framework sets OLPM's risk appetite, assessment methods, monitoring and reporting, keeping business activity within defined risk boundaries. Board level Management level Monitoring Board Risk Committee approves risk Management Committee (MA
Slide 11: Operations
03 Operations 11
Slide 12: OLPM Organogram
OLPM ORGANOGRAM { Board of Directors HUMAN RESOURCE & REMUNERATION RISK COMMITTEE ‘COMMITTEE ys -* in Human ae Credit isk Information Resource af Control Technology wo - - a 4 gfe fm special he Sopmratonal ae Pera ees eee aoe io Se > - aS - 1 + pe company Secretariat on - a > lent tionships i Employ
Slide 13: Offices and people
O P E R AT I O N S Offices and people Head Office, Karachi Lahore Branch Islamabad Branch Office No. 601, 6th Floor, Syedna Tahir Office No. 08, 1st Floor, Park Lane Tower (Mall Ground Floor, Phase 1, State Life Building No. Saifuddin Memorial Foundation Building, of Lahore), 172 Tufail Road, Lahore
Slide 14: OLPM products
O P E R AT I O N S OLPM products Diminishing Musharakah House Finance DM Ijarah Murabaha Joint ownership of an asset; the Home purchase, construction or Islamic leasing of vehicles, plant Cost-plus sale of assets or client buys out OLPM's share over renovation under Diminishing and equipment. commod
Slide 15: Key business risks
FINANCIAL PERFORMANCE Key business risks Funding Risk Credit and Default risk Shortage or rising cost of funds could limit disbursements. Clients' repayment capacity may deteriorate. Managed through long-term bank lines, a growing Certificate of Managed through Early Alert and SAM committees, weekly
Slide 16: Financial Performance
04 Financial Performance 16
Slide 17: Financial highlights for 2025-26
FINANCIAL PERFORMANCE Financial highlights for 2025-26 Profit after tax Cash dividend Profit before levy and tax Rs. 160.7m 25% Rs. 242.9m down 7.7% · EPS Rs. 3.54 Rs. 2.50 per certificate, same as last down 3.8% year Certificate holders' equity Rs. 1,374m up 3.6% Diminishing Musharakah Disbursement
Slide 18: Key financial data: 2026 against 2025
FINANCIAL PERFORMANCE Key financial data: 2026 against 2025 Rs. in million 2026 2025 Change Comment Total Assets 8,457 8,874 (4.7)% Lower Ijarah finances Diminishing Musharakah (net) 7,132 6,869 3.8% Continued shift towards DM Ijarah Assets (net) 324 737 (56.0)% Strategic shift towards DM Disburseme
Slide 19: Statement of financial position composition
FINANCIAL PERFORMANCE Statement of financial position composition Assets (2026: Rs. 8,457m) Equity and liabilities (2026: Rs. 8,457m) 2026 84% 4% 8% 4% 2026 64% 16% 11% 8% 2025 77% 8% 7% 7% 2025 64% 15% 12% 9% Diminishing Musharakah Ijarah assets Redeemable capital Certificate holders' equity Cash a
Slide 20: Sector-wise financing, June 30, 2026
O P E R AT I O N S Sector-wise financing, June 30, 2026 Employee Finance (Individual) 26.6% Gross DM and Ijarah portfolio Textile 14.3% Printing, Publishing, Packaging 7.9% Rs. 7,478m 2025: Rs. 7,383m Steel 7.3% FMCG / Food and Allied 5.5% Travel, Transport, Storage 5.0% Poultry / Poultry Feeds 3.8%
Slide 21: Key financial data for six years
FINANCIAL PERFORMANCE Key financial data for six years Rs. in million, June 30 2026 2025 2024 2023 2022 2021 Total assets 8,457 8,874 7,738 6,825 6,707 6,750 Portfolio (net) 7,457 7,766 6,909 6,021 5,574 5,570 Total disbursements 3,114 3,470 3,197 2,782 2,693 2,419 Redeemable capital and deposits 5,
Slide 22: Growth over 20 years
FINANCIAL PERFORMANCE Growth over 20 years 10,000 8,874 9,000 8,457 8,000 7,738 7,547 7,246 6,953 6,966 7,083 6,840 6,750 6,707 6,825 7,000 6,494 6,132 6,035 6,072 5,837 5,962 5,806 5,805 6,000 5,591 5,568 5,648 5,171 5,180 5,278 PKR million 4,941 4,812 5,000 4,161 4,027 4,102 4,000 3,605 3,437 3,22
Slide 23: Portfolio (other than staff financing)
Financial Performance Portfolio (other than staff financing) 9,000 Portfolio (other than staff financing) 8,000 7,766 7,457 7,000 6,895 6,327 6,225 6,021 6,000 5,861 5,863 5,539 5,515 5,570 5,574 5,351 Rupees in miilion 5,000 4,671 4,789 4,000 3,740 3,299 3,123 2,943 3,000 2,463 2,519 2,000 1,000 -
Slide 24: Profitability over 20 years
FINANCIAL PERFORMANCE Profitability over 20 years Net Profit vs Profit Before Tax 300 252 250 243 229 200 195 182 186 173 174 161 Rupees in million 153 153 157 150 128 126 127 129 121 120 112 104 101 97 100 82 87 80 62 50 - 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2
Slide 25: Dividend Payout vs Net Profit
FINANCIAL PERFORMANCE Dividend Payout vs Net Profit Net Profit % of Dividend 250 40% 34% 35% 33% 200 30% 195 Rs. 2.50 182 29% 30% 173 174 27% 161 25% 25% 25% 153 157 25% 25% 25% 150 129 128 126 127 20% 20% 20% 20% 20% % of dividend 121 120 20% Net Profit 20% 17% 18% 112 104 17% 17% 16% 97 101 100 87
Slide 26: Break-up value vs Market Value
FINANCIAL PERFORMANCE Break-up value vs Market Value Break-up value vs Market Value Break-up Value per certificate Market Value per certificate 35 30 30 30 29 27 25 26 25 25 26 26 26 26 25 25 25 25 24 23 22 22 21 21 21 20 20 20 20 20 19 17 18 18 17 16 PKR 16 15 14 14 14 13 11 11 9 10 9 10 5 - 2006 2
Slide 27: Awards and Ratings
a, | CORPORATESOOAL | RESPONSIBILITY | An 05 Awards and § | aaea is Ratings -_ ae 27
Slide 28: Awards received during 2025-26
A W A R D S A N D R AT I N G S Awards received during 2025-26 Corporate Social Responsibility Award Corporate Social Responsibility Award 1 2 The Professionals Network, including the Reporting and National Forum for Environment and Health, in Transparency, and Business Transformation categories Coll
Slide 29: Credit ratings assigned by VIS (in Sept-2026)
A W A R D S A N D R AT I N G S Credit ratings assigned by VIS (in Sept-2026) Long term Short term Outlook AA A1+ Stable Very high credit quality Highest capacity for timely repayment AA / A1+ maintained every year since 2017 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 AA / A1+ AA / A1+ AA / A1
Slide 30: Leadership and Auditor Update
06 Leadership and Auditor Update 30
Slide 31: Message from the new Chief Executive Officer
L E A D E R S H I P U P D AT E Message from the new Chief Executive Officer I am honoured to lead OLP Modaraba. I thank Mr. Raheel Qamar Ahmad for his long leadership, which leaves us with a strong balance sheet, an AA / A1+ rating and a Waqas Ahmad Khwaja record of stable profits and regular distri
Slide 32: Change of external auditors for 2026-27
A U D I T O R U P D AT E Change of external auditors for 2026-27 Years ending June 30, 2025 and 2026 Year ending June 30, 2027 KPMG Taseer Hadi & Co. A. F. Ferguson & Co. FY2026 accounts audited with an unqualified opinion Member firm of the PwC network Why the change Group Alignment Approval KPMG I
Slide 33: Way Forward
07 Way Forward 33
Slide 34: Expected challenges for 2026-27
W AY F O R W A R D Expected challenges for 2026-27 External Domestic Impact on OLPM • Prolonged Middle East conflict • Inflation back in double digits • Higher cost of funds • Unstable global energy prices • Policy rate raised by SBP • Softer credit demand • Disruption to international trade • Polit
Slide 35: Business strategy for 2026-27
W AY F O R W A R D Business strategy for 2026-27 Grow market share by onboarding new Corporate and Revamp IT infrastructure to improve efficiency and 1 Employee Finance customers 5 turnaround times Keep the portfolio healthy through diversification in 2 stable sectors 6 Use AI carefully for automati
Slide 36: Questions and Answers
08 Questions and Answers Questions may also be sent to the Company Secretary at secretariat@olpmodaraba.com 36
Slide 37: Thank you
Thank you www.olpmodaraba.com · askus@olpmodaraba.com · (021) 38341168