Reliance Insurance Co Ltd · PSX:RICL
Reliance Insurance — Investor Presentation (2025)
20 slides from Reliance Insurance's investor presentation, 2025
Slide 1: Corporate Briefing Session 2025
RELIANCE Corporate Briefing INSURANCE Session 2025 COMPANY LIMITED
Slide 2: About Us
About Us Reliance Insurance Company Limited (RICL) was incorporated in 1981 with a Share Capital of Rs.2.5 Million by two prominent industrialist groups in Pakistan, Al-Noor Group and Amin Bawany Group. Al-Noor Group, was led by (Late) Mr. Ismail H. Zakaria, and Amin Bawany Group, founded by (Late)
Slide 3: Our Vision & Mission Statement
Our Vision & Mission Statement Vision Mission To be recognized as To provide quality a professional and service and dependable protection to its business entity clients aiming at committed to play a achieving a meaningful role in respectable volume the development of of business and insurance indust
Slide 4: Our Board of Directors
Our Board of Directors Irfan Zakaria Bawany Muhammad Omar Bawany Ahmed Ali Bawany Chairman Director Director Noor M. Zakaria Zia Zakaria Muhammad Patel Director Director Director Naeem Ahmed Shafi Tasneem Yusuf Director Director Jahangir Adam 4 Director
Slide 5: Management (Team RICL)
Management (Team RICL) The management of Reliance Insurance Company Limited is fully cognizant of the evolving challenges within the industry and has formulated a comprehensive, forward-looking strategy focused on sustainable operational growth. This strategy places strong emphasis on profitability,
Slide 6: Company History
Company History Reliance Insurance Company Limited (RICL) commenced operations in 1981 with an initial paid-up share capital of Rs. 2.5 million. Since inception, the Company has demonstrated consistent and sustainable growth, culminating in a strong and resilient financial position. As of today, RIC
Slide 7: Our Services
Our Services RICL offers a comprehensive portfolio of insurance products and services, underwriting a broad spectrum of insurance classes to address diverse risk management needs. Through its robust underwriting capabilities and customer-focused approach, the Company provides tailored risk coverage
Slide 8: Our Products
Our Products Fire Engineering Bond /Guarantee le er < F oo, are you covered? Aviation Liability Burglary cIT/CIS’ 8g
Slide 9: Underwriting Capacity
A significant portion of RICL’s underwriting RICL has consistently demonstrated strong capability is secured through well-structured capacity to meet insured requirements across a automatic treaty reinsurance arrangements. broad spectrum of general insurance classes. These treaties provide reliable
Slide 10: IFS Rating
IFS Rating Reliance Insurance’s strong financial position and prudent management practices have been recognized by the Pakistan Credit Rating Agency (PACRA). PACRA recently upgraded the company’s Financial Strength Rating from "A+" to "A++," reflecting its robust capital base, sound risk management,
Slide 11: Our Network
Our Network KPK RICL’s Head Office is located in 1 Branch Karachi, Pakistan, supported by an extensive and dynamic network of branches across major cities and towns nationwide. This Punjab strong geographical presence 17 Branches enables the Company to deliver timely, efficient, and consistent servi
Slide 12: Economy Overview
Economy Overview • According to the latest IMF projections, Pakistan’s economy is expected to record moderate GDP growth of approximately 3.2% in FY2025-26, reflecting an improvement in macroeconomic conditions and a gradual recovery in key sectors such as agriculture and industry, although this rem
Slide 13: Insurance Industry Overview
Insurance Industry Overview • In 2024, Pakistan’s non-life insurance sector posted a GWP of PKR 243 billion, up 7% from PKR 227 billion in 2023. Private insurers dominated with 91% of premiums, while public sector insurers accounted for 9%. The conventional segment reached PKR 212 billion from Rs.20
Slide 14: Nine months financial position 2025 vs 2024
Nine months financial position 2025 vs 2024 Rupees in ‘000 30 Sep. 2025 30 Sep. 2024 Variance % Gross Insurance Premium / Takaful contribution 1,017,290 812,947 25 Net Insurance premium / Takaful contribution 474,755 422,566 12 Net Insurance claims / Takaful claims 117,445 134,875 (13) Net Commissio
Slide 15: Balance Sheet
Balance Sheet Rupees in ‘000 30-09-2025 31-12-2024 Investments 1,620,546 1,313,687 Cash & Bank 121,031 102,206 Other Assets – Current 1,805,957 1,664,452 Other Assets – Non-current 129,792 104,760 Total Assets 3,677,326 3,185,105 Ordinary Share Capital 1,004,723 665,379 Reserves 968,019 907,052 Shar
Slide 16: Twelve months financial position 2024 vs 2023
Twelve months financial position 2024 vs 2023 Rupees in ‘000 31 Dec. 2024 31 Dec. 2023 Variance % Gross Insurance Premium / Takaful contribution 1,217,148 1,105,781 10 Net Insurance premium / Takaful contribution 580,760 474,866 22 Net Insurance claims / Takaful claims 189,196 165,747 14 Net Commiss
Slide 17: Graphical Presentation P & L
Graphical Presentation P & L 1200000 100000 500000 600000 90000 450000 1000000 80000 400000 500000 800000 70000 350000 400000 60000 300000 600000 50000 250000 300000 40000 200000 400000 150000 200000 30000 20000 100000 100000 200000 10000 50000 0 0 0 0 Gross Underwriting Investment Profit before Pre
Slide 18: Graphical Presentation Balance Sheet
Graphical Presentation Balance Sheet 1972742 793971 1888864 1572431 1620546 3677325 1222421 952596 1116479 2576080 1313687 3185105 Sep.25 Dec.24 Dec.23 Dec.22 Sep.25 Dec.24 Dec.23 Dec.22 Sep.25 Dec.24 Dec.23 Dec.22 Investment Shareholder Equity Assets 18
Slide 19: Forward-looking
Forward-looking With inflationary pressures easing, the reduction of the discount rate from 13% to 10.50% signals a more supportive macroeconomic environment. Lower interest rates are expected to reduce financing costs, encourage investment activity, and strengthen overall market confidence. Key eco
Slide 20: Thank You
THANK YOU WO BAe ?™
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