Universal Insurance Co. Ltd. · PSX:UVIC
Universal Insurance — The Universal Insurance Company — Investor Presentation (May 2026)
22 slides from Universal Insurance's investor presentation, May 22, 2026
Slide 1: Slide 1
Slide 2: Corporate Briefing Session 2026
Sth CORPORATE BRIEFING SESSION -— 2026 Dated; May 22, 2026 * THE UNIVERSAL INSURANCE COM PANYAIMITED
Slide 3: Company Overview
COMPANY OVERVIEW The Universal Insurance Company Limited – a part of Bibojee Group of Companies was established by an eminent industrialist the late Lt. Gen. (R) M. Habibullah Khan Khattak. This Company entered into insurance market in 1960. Bibojee Services (Pvt.) Limited holds 86 % of ordinary sha
Slide 4: Vision Mission
VISION We, at Universal Insurance Company Limited recognize the importance of satisfying our customers by consistently providing quality insurance service in accordance with their needs and expectations. We strive to be competent partner of our customers against insured perils. MISSION We strive to
Slide 5: Board of Directors
BOARD OF DIRECTORS Lt. Gen (R)Ali Kuli Khan Khattak Chairman Dr. Shahin Kuli Khan Khattak Chief Executive Mr. Ahmad Kuli Khan Khattak Mrs. Shahnaz Sajjad Ahmed Mr. Khalid Kuli Khan Khattak Wing Commd. (R) Javaid Ahmad Afzal Independent Dr. Hassan Iqbal Independent
Slide 6: Management Team
MANAGEMENT TEAM Mr. Amir Raza Principal Officer Mr. Amir Nazar Chief Financial Officer Mr. Liaqat Ali Shaukat Company Secretary & Compliance Officer Mr. Aftab Rashid Head of IT & Grievance Dept. Mr. Muhammad Alyas Head of U/W & Re-Insurance
Slide 7: Bibojee Group Information
BIBOJEE GROUP INFORMATION Textile Sector Automobile, Tyre & Rubber Sector Janana De Malucho Textile Mills Ghandhara Ltd. Atuomobiles Ltd. Bibojee Services Ghandhara Rahman (Pvt.) Ltd. Industries Ghandhara Cotton DF (Pvt) Ltd. Ltd. Mills Ltd. Ghandhara Tyre & The Rubber Bannu Universal Business Gammo
Slide 8: Key Risks
KEY RISKS Underwriting Risk: Inadequate pricing or risk selection leading to losses. Claim Risk: High, delayed claims impacting profitability. Reinsurance Risk: Failure or delay by reinsures in claim recoveries. Regulatory Risk: Non-compliance with SECP Rules, solvency or reporting requireme
Slide 9: Products & Services / Geographical Areas
PRODUCTS & SERVICES/ GEOGRAPHICAL AREAS Products & Services Geographical Areas The Universal Insurance Company Limited provides UIC is providing services in the following customized services and solutions to facilitate its valued geographical areas clients. Range of products offered, includes: Pun
Slide 10: Major Clients & Key Revenue Drivers
MAJOR CLIENTS & KEY REVENUE DRIVERS Major Clients: Key Revenue Drivers: Ghandhara Industries Ltd. Underwriting Insurance Business (Direct + Coinsurance + Facultative) Ghandhara Automobile Ltd. Investment income Ghandhara Tyre & Rubber Company Ltd. Rental income Ghandhara DF (Pvt) Ltd.
Slide 11: Five Years Performance at a Glance
FIVE YEARS PERFORMANCE AT A GALANCE (Rupees in million) Description 2025 2024 2023 2022 2021 Gross Premium 56 23 33 107 115 Net Premium 41 20 45 78 75 Claims Paid 5 8 13 155 63 Net Claim Expense (17) 4 25 65 41 Investment 500 371 327 478 537 Underwriting results (17) (65) (76) (157) (60) Profit / (l
Slide 12: Five Years Performance at a Glance
FIVE YEARS PERFORMANCE AT A GLANCE Gross Premium & Net Premium Claims Paid & Net Claim 115 155 120M 160M 107 140M 100M 120M 78 75 80M 100M 56 60M 80M 45 65 63 41 60M 40M 33 41Years 23 20 40M 25 20M 20M 13 5 8 4 0 0M 2025 2024 2023 2022 2021 2025 2024 2023 2022 2021 (20)M (17) Gross Premium Net Premi
Slide 13: Five Years Performance at a Glance
FIVE YEARS PERFORMANCE AT A GLANCE Profit / (loss) before tax 70M 40 40 45 45 50M 35M 25M (5) (10) 0 0M Rs. in Millions 2025 2024 2023 2022 2021 2025 2024 2023 2022 2021 (35)M (25)M (70)M (49) (50)M (75)M (105)M (100)M (140)M (111) (125)M (147) (175)M (150)M Years (155) (175)M Profit / (loss) before
Slide 14: Five Years Performance at a Glance
FIVE YEARS PERFORMANCE AT A GLANCE Investments EPS (Rs) 600M Rs 1.00 0.81 537 0.80 500 500M 478 Rs 0.50 (0.10) Rs - 400M 371 2025 2024 2023 2022 2021 327 Rs (0.50) 300M Rs (1.00) Rs (1.50) 200M Rs (2.00) 100M (2.22) Rs (2.50) 0 Years Rs (3.00) 2025 2024 2023 2022 2021 (3.10) Rs (3.50) Investment
Slide 15: Five Years Performance at a Glance
FIVE YEARS PERFORMANCE AT A GLANCE Paid-up Capital Equity Total Assets 1050M 900M 840 800M 993 727 730 1000M 700M 669 668 948 600M 950M 500 500 500 500 500 908 500M 900M 400M 859 851 300M 850M 200M 800M 100M 0 750M Years 2025 2024 2023 2022 2021 2025 2024 2023 2022 2021
Slide 16: Variance Analysis – Balance Sheet
VARIANCE ANALYSIS – BALANCE SHEET DESCRIPTION 2025 2024 VARIANCE (Rupees in thousand ) Property and equipment 172,595 150,023 22,572 Investment property 47,668 47,269 399 Investments – mutual fund 387,601 312,307 75,294 Investments – debt securities 112,384 58,629 53,755 Loans and other receivables
Slide 17: Variance Analysis – Balance Sheet
VARIANCE ANALYSIS – BALANCE SHEET DESCRIPTION 2025 2024 VARIANCE Paid up share capital 500,000 500,000 - Share premium 13,824 13,824 - Others 18 18 - Surplus on revaluation of fixed assets 143,931 144,750 (819) Fair value reserve on available for sale investments 17,767 98 16,839 Unappropriated prof
Slide 18: Variance Analysis – Profit or Loss Account
VARIANCE ANALYSIS – PROFIT OR LOSS ACCOUNT DESCRIPTION 2025 2024 VARIANCE (Rupees in thousand ) Gross insurance premium 55,933 22,977 32,956 Net insurance premium 40,787 20,018 20,769 Net insurance claim expense 16,525 (4,451) 20,976 Premium deficiency 3,353 (2,289) 5,642 Net commission (825) (2,050
Slide 19: Strategic and Operation Development
STRATEGIC AND OPERATION DEVELOPMENT
Slide 20: Disclaimer
DISCLAIMER This presentation shows facts and future strategy only. Implementation of future strategy is always subject to positive and favorable economic indicators of the Company.
Slide 21: Q&A
Slide 22: Thank you
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