Habib Insurance Co. Ltd. · PSX:HICL
Habib Insurance — Investor Presentation (May 2026)
17 slides from Habib Insurance's investor presentation, May 21, 2026
Slide 1: Corporate Briefing Session
CORPORATE BRIEFING SESSION Thursday, May 21, 2026
Slide 2: Habib Insurance: Our History
Habib Insurance : Our History Established in 1942, we are a leading Pakistani insurance provider known for a culture of integrity and trust, celebrating over 83 years of service. Origins Legacy Established in 1942 in Bombay, One of the Oldest insurance moved to Karachi in 1947. companies operating i
Slide 3: Our Board of Directors & Senior Management Team
Our Board of Directors & Senior Management Team Mansoor G. Habib Muhammad Hyder Qumail R. Habib Chairman Habib Director Director Aun Muhammad Zahida Habib Ujala Mir Masood A. Habib Director Director Director Shahid Ghaffar Ali Fadoo Adil Nazim Haji Director Director Director Muhammad Asif M/S Grant
Slide 4: Financial Integrity Assessment
Financial Integrity Assessment Comprehensive Credit Assessment: Evaluating the Financial Stability and Institutional Rating of the Organization via PACRA Analysis PACRA 04/11/2025 A++ Stable Rating Agency Rating Date Financial Rating Market Outlook Prime Agency Providing Effective Date of Credit Val
Slide 5: Achievement History
Achievement History Corporate Awards and Recognitions: A Legacy of Excellence 1979-1986 Streak Selected Milestone Twelve-Time Winner Achieved eight consecutive years Recognized for high performance Awarded the prestigious 'Top 25 of recognition by the Pakistan in years 1993, 1995, 1997, and Companie
Slide 6: HICL Performance Overview
HICL Performance Overview 2025 2024 2023 2022 Gross Written Premium/ Contribution 4,041,445 4,003,823 3,657,200 3,022,231 Net Insurance Premium/ Contribution 2,007,155 1,770,781 1,803,532 1,414,026 Investment Income 401,283 459,050 305,198 124,572 Net Insurance/ Takaful Claims 1,322,916 1,111,999 1,
Slide 7: Financial Ratios and Analytics 1/2
Financial Ratios and Analytics 1/2 Particulars 2025 2024 2023 2022 Underwriting Results / Gross Premium & % (7.1) (6.2) (7.1) 0.3 Contribution Loss Ratio % 73.8 70.0 69.9 55.0 Return on Equity % 5.0 11.5 7.5 9.5 Earning Growth % (50.2) 110 1.5 4.0 Breakup Value per Share Rs. 19.1 16.6 12.1 9.4 Retur
Slide 8: Financial Ratios and Analytics 2/2
Financial Ratios and Analytics 2/2 Particulars 2025 2024 2023 2022 Face Value Per Share Rs. 5.0 5.0 5.0 5.0 Market Value per share at the end of the year Rs. 12.45 8.5 6.2 6.0 Market Value per share Highest during the year Rs. 12.45 8.39 6.4 8.19 Market Value per share Lowest during the year Rs. 5.2
Slide 9: Comprehensive Insurance Product Portfolio Offering
Comprehensive Insurance Product Portfolio Offering Property Coverage Marine Insurance Motor Insurance Protection for Commercial and Specialized coverage for goods Comprehensive policies for Residential assets against Fire, in transit via land, sea, or air, vehicle fleets and individual theft, and na
Slide 10: Our Services
Our Services Speedy Claim Processing Helpline Dedicated Account Managers Online Payment Through Worldwide Direct Travel Digital Channel Claim Settlement Network of Dealers & Workshop Partners Across Pakistan
Slide 11: Key Revenue Drivers
Key Revenue Drivers Increase in Motor Class of Growth in Energy Business Increase in Reinsurance Business Commission Reinsurance Inward Cross Selling & Upselling New Product Development Partnership
Slide 12: Graphic Spread 2025
Graphic Spread 2025 Conventional Takaful Total 2,601 1,996 1,441 644 428 235 210 212 160 129 11 6 6 5 Federal/ Sindh Punjab KPK Balochistan Gilgit Total Islamabad Conventional 1,996 160 428 5 6 6 2,601 Takaful 129 235 212 644 210 11 1,441 Total 2,125 395 640 649 216 17 4,042
Slide 13: Our Major Clients
Our Major Clients engro engro kK engro IN S Habib Sugar Mills Ltd. ThalNova Power Thar (Pvt.) Limited : 1» Fatima Fertilizer Company Limited Artistic 7 | ‘YeBank AL Habib Wind Power Act ToWind A) Bank AL Habib Limited — PRIVATE LIMITED — PRIVATE LIMITED ves as eo _| ~ Ik G i uU aA an, The Aga Khan U
Slide 14: Key Business Risks
Key Business Risks Liquidity Risk Actuarial Risk Reputation Risk Business Risks Strategic Risks Underwriting Insurance Risks
Slide 15: Strategic and Operational Developments: 2025 Performance
Strategic and Operational Developments: 2025 Performance Overall Premium Gains Takaful Commission Hike Textile Capacity Boost Attained 1% growth in Overall Increased Treaty Commissions Conventional capacity for Gross Underwritten Premiums under Takaful from 25% to textiles, the largest occupancy in
Slide 16: Future Strategic Outlook 2026
Future Strategic Outlook 2026 2025 was a challenging year due to commercial stagnation and continuation, although in a stable manner, of inflation. Looking ahead for the year 2026, the Company will continue its effort to strive for progress to Inshallah attain better underwriting results through foc
Slide 17: Thank You For Your Participation
Thank You For Your Participation