Pak-gulf Leasing Co. Ltd. · PSX:PGLC
Pak-gulf Leasing — FY2025 Earnings Presentation
30 slides from Pak-gulf Leasing's earnings presentation, Nov 19, 2025
Slide 1: Corporate Briefing Session (FY 2025)
CORPORATE BRIEFING SESSION (FY 2025) (Thursday, 20th November 2025)
Slide 2: Corporate Briefing agenda
C O R P O R AT E B R I E F I N G ( F Y 2 0 2 5 ) Key Company Financial Future Governance Operations Highlights Profile Performance Prospects
Slide 3: Key highlights
C O R P O R AT E B R I E F I N G ( F Y 2 0 2 5 ) Key highlights
Slide 4: Key highlights
Only Privately Sponsored Leasing Company with 29 Years of Profitable Operations. K Deposit Taking Leasing Company with Credit rating “A-” (Long Term) and “A-2“ (Short Term). E Y Engaged in Leasing and Vehicle Financing. H Asset Base: Rs, 1,446,326,140 (2024: Rs. 1,950,519,208 YoY Change: -25.85%) I
Slide 5: Company Profile
C O R P O R AT E B R I E F I N G ( F Y 2 0 2 5 ) Company Profile
Slide 6: Company profile details
Date Of Incorporation: 27 December 1994 C Date Of Commencement Of Business: 16 September 1996 O M Type of Company: Public Listed Company P A Type Of Entity: Deposit Taking Leasing Company (NBFC) N Y Nature of Business: Hard Core Leasing Company P Nature of Products: Conventional Lease Finance / Auto
Slide 7: Legal advisors, tax advisors, Shariah advisor, auditors
Legal Advisors M/S Mohsin Tayebally & Co. C M/S Rasheed Razvi & Associates O M Tax Advisors: P A Mukhtar Law Associates N Shariah Advisor: Y M/S Alhamd Shariah Advisory Services (Private) Limited P Registrar / Share Transfer Office: R O M/S THK Associates (Pvt) Ltd. F Auditors: I M/S BDO Ebrahim & C
Slide 8: Bankers
Bankers: C • Bank Al-Habib Limited O • Allied Bank Limited M • Silk Bank Limited P • Al-Baraka Bank (Pakistan) Limited A • Askari Bank Limited N • Bank Al-Falah Limited Y • Habib Bank Limited P • JS Bank Limited R • MCB Bank Limited O • MCB Islamic Bank Limited F • National Bank of Pakistan I • Sone
Slide 9: Rating Agency: VIS Credit Rating Company Limited
Rating Agency: VIS Credit Rating Company Limited C Entity’s Credit Rating: O M P VIS, following a detailed analysis and evaluation of the A Company’s performance December, 2024 has re-affirmed its N Ratings for PGL as under: Y • Medium to Long-term Rating: A-; P R • Short-term Rating: A-2; and O • O
Slide 10: Entity's credit rating history
DATE RATING TYPE LONG TERM SHORT TERM OUTLOOK C 12/24/2024 Entity A- A-2 Stable O 09/21/2023 Entity A- A-2 Stable M Entity’s 05/16/2022 Entity A- A-2 Stable P A Credit 06/30/2021 Entity A- A-2 Negative N Rating History: 06/30/2020 Entity A- A-2 Stable Y 04/15/2019 Entity A- A-2 Stable P 01/30/2018 E
Slide 11: Governance
C O R P O R AT E B R I E F I N G ( F Y 2 0 2 5 ) Governance
Slide 12: Board of Directors
BOARD OF DIRECTORS S. No. NAME POSITION 1. Mr. Sohail Inam Ellahi Chairman 2. Mr. Ismail H. Ahmed Vice-Chairman G O 3. Mr. Pervez Inam Non-Executive Director V E 4. Brig. Naveed Nasar Khan (Retd.) Non-Executive Director R 5. Mr. Jan Ali Khan Junejo Independent Director N A 6. Mr. Naeem Ali Muhammad
Slide 13: Governance Structure
Governance Structure G O V BOD E R N A N C E HUMAN RESOURCE & RECOVERIES AUDIT COMMITTEE RISK MANAGEMENT REMUNERATION MANAGEMENT COMMITTEE COMMITTEE COMMITTEE
Slide 14: Governance, Risk Management, Compliance
Governance Risk Management Compliance • Approved policies in line • Management / minimization • Adherence to laws, rules with the applicable laws, of credit risk and regulations rules and regulations G • Internally approved SOPs O for various processes V • Oversight by Board E Committees R N Interna
Slide 15: Operations
C O R P O R AT E B R I E F I N G ( F Y 2 0 2 5 ) OPERATIONS
Slide 16: Financing products
FINANCING O P FINANCING PRODUCTS E R A T I O N VEHICLE FINANCE: FINANCE LEASE: S PGL offers a convenient vehicle PGL offers finance lease, offering flexible repayment schedules and financing facility, allowing tailored solutions to align with financing up to 90% of the cashflow needs and financial g
Slide 17: Deposit taking: Certificates of Investments
DEPOSIT TAKING: Issue of Certificates of Investments for a period Certificates of 12 Months toof03 Years Investments at Fixed Rate of(CoIs) Returns are issued for a period of 12 Months to 03 Years at Fixed Rates of Return.
Slide 18: Lease / auto-finance loans written and net investment in leases
Lease / Auto-finance loan written (Rs. in Million) 1,395 1,117 779 375 108 169 2020 2021 2022 2023 2024 2025 O P Net Investment in Finance Leases (Rs. in Million) E 2,334 2,353 1,964 1,909 R 1,182 A 739 T 2020 2021 2022 2023 2024 2025 I O N S Note:- Due to record increase in KIBOR & resultant high r
Slide 19: Main categories of investment in lease
Main Categories of Investment in Lease Machinery & Equipment Vehicle Others O P E R Machinery & Equipment A Others 39% T 36% I O N S Vehicle 25%
Slide 20: Sector-wise portfolio (FY-2025)
Sector-wise portfolio (FY-2025) Energy, oil and gas, 3.10% Steel, engineering and auto, Transport and communication, 2.73% 0.40% Electrical goods, 8.36% Individual, 32.99% Chemical, fertilizer and Pharmaceuticals, 3.99% O Textile, 0.37% P Food, tobacco and Beverage, 0.11% E Hotels, 6.13% R Construct
Slide 21: Financial Performance
C O R P O R AT E B R I E F I N G ( F Y 2 0 2 5 ) Financial Performance
Slide 22: Comparison of key operating & financial data (FY2020-FY2025)
COMPARISION OF KEY OPERATING & FINANCIAL DATA (FY 2020- FY 2025) Year ended 30th June 2025 2024 2023 2022 2021 2020 Operational Results: (Rupees in Million) Revenues 222.46 281.36 262.20 255.23 206.09 265.44 Lease Revenue 145.22 218.73 227.29 228.43 191.49 245.57 Profit before Taxation 105.01 142.95
Slide 23: Key performance indicators: assets, funds, net investment in leases
KEY PERFORMANCE INDICATORS FY 2020 TO FY 2025 (Rupees in Million) Financial Year Total Assets Total Shareholder Funds Net Investment in Leases P 2024-25 1,446.33 694.22 738.58 E 2023-24 1,950.52 815.95 1,181.68 R 2022-23 2,528.85 737.47 1,909.13 2021-22 2,901.88 796.71 2,352.94 F 2020-21 2,420.74 67
Slide 24: Key performance indicators: profit before and after tax
KEY PERFORMANCE INDICATORS FY 2020 TO FY 2025 (Rupees in Million) Financial Year Profit Before Taxation Profit After Taxation 2024-25 105.01 73.60 P 2023-24 142.95 78.80 E 2022-23 78.82 56.64 R 2021-22 167.68 146.98 F 2020-21 28.02 24.57 O 2019-20 21.62 10.89 R 180.00 M 160.00 A 140.00 120.00 N 100.
Slide 25: Key performance indicators: dividend payout %
KEY PERFORMANCE INDICATORS FY 2020 TO FY 2025 Financial Year Dividend Payout % 2024-25 39.5 2023-24 0 P 2022-23 35 E 2021-22 10 R 2020-21 0 F 2019-20 2.5 O R Dividend Payout % M 45 A 40 35 N 30 C 25 20 E 15 10 5 0 2019-20 2020-21 2021-22 2022-23 2023-24 2024-25
Slide 26: Time-line of achievements
TIME-LINE OF ACHEIVEMENTS Date / Financial Year Event Date /Financial Year Event 27 December 1994 Company Incorporated Paid-up Capital Increased to Rs.253.698 Million through 6 10 June 1996 Public Floatation of Shares FY 2009 Million Right Shares issued at par value of Rs.10.0 per share 30 June 1996
Slide 27: Future Plans
C O R P O R AT E B R I E F I N G ( F Y 2 0 2 5 ) Future Plans
Slide 28: Future Plans
F U T FUTURE PLANS U R E • Increase in financing exposures. • Recovery of dues through out of court settlements and rescheduling. P R • Encouraging the existing customers with good repayment history to take O fresh exposures. S • Optimum utilization of existing human resource. P E C T S
Slide 29: Questions & Answers
QUESTIONS & ANSWERS
Slide 30: Thank You
Thank You
Pak-Gulf Leasing Company — FY2025 Earnings Presentation on 6ix