Efu Life Assurance Limited · PSX:EFUL
Efu Life Assurance — Investor Presentation (March 2026)
35 slides from Efu Life Assurance's investor presentation, Mar 30, 2026
Slide 1: EFU Life Assurance Ltd Corporate Briefing Session 2025
EFU LIFE ASSURANCE LTD LIFE | HEALTH | SAVINGS | WELLNESS | RETIREMENT Corporate Briefing Session 2025 30th March 2026
Slide 2: Agenda
Company Financial Overview Performance Snapshot Awards and Our Product Suite & Accolades Network Agenda Business Looking Performance Forward Q&A
Slide 3: Company Overview
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Slide 4: About Us
About Us EFU Life is Pakistan’s leading private sector insurer, recognized for shaping the industry through innovation, customer-centric solutions, and strong governance. Since our inception in 1992, we have pioneered market-first initiatives, built deep trust with millions of customers, and evolved
Slide 5: Our History
Privatized Acquired Launched Pakistan’s first Acquisition of EFU Launch of Thrive, private life insurer. Health Mukammal Sehat & Included Retirement Solutions 02 Formal Digital & 08 Inclusive Insurance 10 Certified Channel EDGE Certified, AM Launched Certified 1(p) Rating, Among 05 the top 10 Compan
Slide 6: Our Workforce
Our Workforce 700+ Head Office, 9K + Distribution Channels Distribution Driven Salesforce, Bancassurance, Corporate, Digital & Inclusive, Telesales, Retail Health, Retirement Solutions Diversity & Inclusion 23% female employees, 20% female leaders Disability Inclusion Governance & Strength Strong co
Slide 7: Our Reinsurance Strength
Our Reinsurance Strength 01 02 03 01 02 03 04 04 Expertise in Access to Supported Global by product design, Global worldwide family strong credit Expertise in underwriting Expertise in risk ratings Takaful pools, risk from automation, management ensuring optimal global agencies management claims eff
Slide 8: Financial Performance Snapshot
Financial Performance Snapshot
Slide 9: Key Financial Highlights
Key Financial Highlights 2025 PKR 10.12 B Shareholders Equity 24% Return on Equity PKR 23.26 Earning per Share 150% Dividend
Slide 10: Awards & Accolades
LIFE Awards & Accolades
Slide 11: Recognition & Accreditation
Recognition & Accreditation Ranked among Top 25 Pakistan's First & Only Achieved ISO 27001:2022 Signatory to UN Only Insurer in receipt of Companies at Pakistan Insurance Company to Certification, the global Women Empowerment Pakistan Microfinance Stock Exchange – Securing Achieve EDGE Green standar
Slide 12: International Awards
International Awards Top Partnership Distribution Best Domestic Life Insurer & Executive of the Year & Health Award Best Marketing Initiative (WIN) and Wellness Initiative of the Year (WIN) InsurTech Connect Asia Insurance Asia Awards Asian Management Awards Excellence Awards
Slide 13: Excellence In Pakistan
Excellence In Pakistan 40th Corporate Excellence 11th International 15 Brand of the Year Corporate Social Award Environment, Health & Safety Award Responsibility Awards 2025 Awards 2025
Slide 14: Excellence In Pakistan
Excellence In Pakistan 16 Pakistan Microfinance ESG Summit Pakistan – Best Life & Health BCR Awards Awards Sustainable Insurance Insurance Company
Slide 15: Our Product Suite & Customer Reach
Our Product Suite & Customer Reach 17
Slide 16: One Brand – Three Promises
One Brand – Three Promises Your partner at every life stage. Retirement Life Health Retirement Savings Protection Voluntary Pension Fund Protection Preventive Health Provident Fund Continuation Benefits Critical Illness Annuities
Slide 17: Your partner at every life stage: Life
Your partner at every life stage Savings Unit linked |I With Profits I |Universal Life Life Protection Term Life |I Personal Accident Continuation Education Continuation I Income Continuation Benefits
Slide 18: Your partner at every life stage: Health
Your partner at every life stage Preventive mHealth I | WIN Health Protection Mukammal Sehat I Hospital Cash I OPD & IPD I Critical Illness
Slide 19: Your partner at every life stage: Retirement
Your partner at every life stage Tax Qualified Voluntary Pension Fund Retirement Planning Provident Fund Management Protection Annuities
Slide 20: Segments We Serve With Dedicated Brands
Segments We Serve With Dedicated Brands Priority Islamic Wellness Affluent (Takaful) Focused Serving priority and affluent Providing Shariah- Offering preventive and customers through compliant protection access-driven healthcare Salesforce, Bancassurance solutions under our solutions through our WI
Slide 21: Other Segments We Serve
Other Segments We Serve Middle-Income Households Mass Market Mass Market ✓ Salaried professionals & SMEs ✓ Low-income, underserved populations ✓ Served via Salesforce, ✓ Served via Inclusive Insurance Bancassurance & Corporate Offering Channel Digital-Savvy Customers Retirement Planners ✓ Preparing
Slide 22: Thrive - Digital Distribution Platform
Thrive - Digital Distribution Platform An industry-first interactive platform for our Digital Savings & Protection products, targeting the next generation users Spirit of Giving Back A charitable contribution made for every policy purchased, Financial turning protection Gamification & Literacy Hub i
Slide 23: Geographical Reach
Geographical Reach Nationwide Reach with 200+ branches
Slide 24: Our Bank Partners
Our Bank Partners @ LIFE OBL @NBP ZJSBANK ZS HABIBMETRO Where you come first The Bank of Punjab —— $$ a 7 \ Standard @&@ ha faysabank Bank Alfalah Banklslami 28) Chartered $ MCB ys @ i . . [@) Squeri Bank askaribonk TEV SILKBANK ~ AlliedBank roll Il pus Eli Mi cccotinance alBaraka® @ seth’ Uleni W F
Slide 25: Business Performance
LIFE Business Performance
Slide 26: Profit and Loss Account
Profit and Loss Account PKR Million Profit and Loss Account 2025 2024 Change Gross Premium/ Contribution Revenue 57,049 41,722 37% Net Premium/ Contribution Revenue 52,623 39,517 33% Investment Income, Net realized gain(loss) 50,663 61,712 -18% Total Net Income 103,286 101,230 2% Net Insurance Benef
Slide 27: Key Revenue Drivers
Key Revenue Drivers Business Growth Market Penetration Distribution Network Persistency & Customer Retention Claim Ratios Expense Ratio Investment Income
Slide 28: Financials Metrics
Financials Metrics Year to Year Comparison Ratios 2025 2024 2023 2022 2021 Premium Growth Ratio 36.7% 11% -5.3% 5.8% 14.9% Net Claim/ Net Premium (Claim Ratio) 93% 104.3% 88.2% 66.3% 63.3% Gross Yield on Earning Assets 18% 25% 16.6% 11.3% 7.7% Profit/(Loss) before tax / Net Premium 7.6% 12.6% 11.0%
Slide 29: Gross Premium
Gross Premium Gross Premium Composition Gross Premium Growth 5 Year Summary 12% PKR Billion 37% 33.59 32.76 31.65 32.75 First Year Premium 30.80 Renewal Premium 21.79 Single Premium 9.91 Group Benefits 3.67 5.57 5.46 46% 5% 2021 2022 2023 2024 2025 Individual Life Regular Premium Group Benefits In 2
Slide 30: Claim Payments
Claim Payments Gross Death & Disability Claims 5 Year Summary PKR Million 11,141 In 2025, the Company settled total death, disability and health 6,698 claims of Rs. 12.61 billion (2024: 7.89 billion). 2,727 2,554 2,690 1,360 1,297 1,161 1,196 1,473 2021 2022 2023 2024 2025 Individual Life Group Bene
Slide 31: Assets & Funds
Assets & Funds Assets Composition 4% 2% 1% The Company has a strong 3% Government Securities balance sheet size with total assets of Rs. 298 billion for Shares and Mutual 2025 (2024: Rs. 259 billion) 28% Funds Cash and Bank Deposits The net asset value of all Unit- Current Assets Linked funds under
Slide 32: Looking Forward
LIFE Looking Forward
Slide 33: Challenges & Risks
Challenges & Risks Economy Risk And Claim • Economic Uncertainty • Reduced Customer Purchasing • Higher claims from natural disasters . • Increased exposure to unforeseen Power • Investment market uncertainty events • Rising business & operational cost Regulations Geopolitics • AML, CFT • Additional
Slide 34: Strategy
Strategy Distribution Products Retirement Health • Strengthening Existing • Expand product range Launching retirement Advancing Health Distribution Channels for new segments solutions , offering flexibility Business Capabilities • Investing in new • Offer affordable and tools for a secure channels
Slide 35: THANK YOU
THANK YOU www.efulife.com icons-06 icons-03 icons-04 icons-05 icons-01
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