Efu Life Assurance Limited · PSX:EFUL
Efu Life Assurance — Investor Presentation (March 2025)
18 slides from Efu Life Assurance's investor presentation, Mar 25, 2025
Slide 1: Corporate Briefing Session 2024
Corporate Briefing Session 2024 25 March 2025
Slide 2: Agenda
Agenda Company Profile Business Performance Awards and Achievements Future Plans Q&A
Slide 3: Company Profile
Company Profile First private sector Life Insurance Company of Pakistan Company is part of the EFU Group which also includes EFU General– Largest insurance group in Pakistan – PKR 83bn in 2024 Launched Window Takaful Operations in 2015 Acquired EFU Health in 2024, commencing health business Product
Slide 4: Credit Rating
Credit Rating EFU Life Assurance Limited has been assigned Insurer Financial Strength rating of “AA++” (Double A Plus Plus) by VIS Credit Rating Company Limited and outlook on the assigned rating is ‘Stable’. The rating signifies company’s exceptionally strong capacity to meet policyholders’ and con
Slide 5: Key Financial Indicators - 2024
Key Financial Indicators - 2024 Shareholders Return On Earning per Equity Dividend Equity Share Rs. 9.19 Bn 37.05% Rs. 28.82 150%
Slide 6: Awards & Achievements
Awards & Achievements Named ‘Insurance Brand of the Recognized as ‘Health & Wellness Honored with ‘Executive of the Year Year Pakistan 2024’ at the Global Initiative of the Year’ at the Asian – Life Insurance’ at the Asian Banking & Finance Awards, Management Excellence Awards 2025 for Management Ex
Slide 7: Awards & Achievements
Awards & Achievements Conferred with ‘Certificate of Merit’ Honored with the 'Best Life & Health Conferred with the most prestigious for Best Presented Annual Report Insurance Company’ at the 18th 'Brand of the Year Award 2023- 2023 in the Life Insurance category by Consumers Choice Award 2022-23 fo
Slide 8: Awards & Achievements
Awards & Achievements Awarded the Shaukat Khanum Recognized with ‘Certificate of Received the 'CSR Award 2024' in ‘Social Responsibility Award 2023’ Excellence’ at the 39th Corporate the 'Social Impact' category at the for significant contributions and Excellence Awards 2024 in the Life 13th CSR Sum
Slide 9: Products
Products EFU Life offers a diverse product range In 2024, EFU Life introduced several tailored to meet the needs of various New products were introduced for innovative financial solutions through socio-economic segments, from the various bank partners, focusing on branchless banks, telecom providers
Slide 10: Our Bank Partners
Our Bank Partners LIFE CBL @NBP ZISBANK == _HABIBMETRO where you come first The Bank of Punjab —_ = ae ee nollwill ips Ely | aa alBara Ka HBL Dubai Islamic Bank SILKBANK 7 MCB = . askaribank favsabank a Standard S © Soneri Bank Genesis lysab Chartered SQ AlliedBank park fan Bankislami 88) UPank \y M
Slide 11: Profit and Loss Account
Profit and Loss Account PKR Million Profit and Loss Account 2024 2023 Change Gross Premium/ Contribution Revenue 41,672 37,467 11% Net Premium/ Contribution Revenue 39,408 36,404 8% Investment Income, Net realized gain(loss) 61,712 39,347 57% Total Net Income 101,121 75,751 33% Net Insurance Benefit
Slide 12: Gross Premium
Gross Premium Gross Premium Composition Gross Premium Growth 5 Year Summary 13% PKR Billion 23% First Year Premium Renewal Premium 3% Single Premium Group Benefits 61% Individual Life Regular Premium Group Benefits In 2024, the gross premium of the Company was Rs. 41.67 billion, an increase of 11%.
Slide 13: Claim Payments
Claim Payments Gross Death & Disability Claims 5 Year Summary PKR Million Individual Life Group Benefits In 2024, the Company 6,698 settled total death, disability and health claims of Rs. 7.89 billion (2023: 3.85 billion). 2,544 2,727 2,554 2,690 1,316 1,360 1,297 1,161 1,196 2024 figures include c
Slide 14: Assets And Funds
Assets And Funds Assets Composition The Company has a strong 4% 3% 1% Government Securities balance sheet size with total 2% assets of Rs. 259 billion for 2024 Shares and Mutual 19% Funds (2023: Rs. 210 billion) Cash and Bank Deposits The net asset value of all Unit- Current Assets Linked funds unde
Slide 15: Looking Forward
Looking Forward
Slide 16: Challenges
Challenges Economy Taxes • Economic Uncertainty • Imposition of Super Tax • Reduced Customer. • Withdrawal of tax credit on life Purchasing Power insurance premium • Rising Business • Petition pending for Sales Tax on Operational Costs services • Increasing income tax reducing disposable income of c
Slide 17: Strategy
Strategy Products Distribution • Enhance product portfolio VPS • Strengthening Existing to reach new customer Health Launching retirement Distribution Channels segments solutions , offering flexibility • Investing in new • Develop Affordable Strengthening Health and tools for a secure channels e.g.,
Slide 18: Thank You!
Thank You! @ LIFE
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