United Insurance Co. Of Pakistan Ltd. · PSX:UNIC
United Insurance Co. Of Pakistan — The United Insurance Co. of Pakistan — FY2025 Earnings Presentation
26 slides from United Insurance Co. Of Pakistan's earnings presentation, Apr 28, 2026
Slide 1: Corporate Briefing FY-2025
CORPORATE BRIEFING FY-2025 1
Slide 2: Important Disclaimer
IMPORTANT DISCLAIMER THIS PRESENTATION IS NOT AN OFFER OR SOLICATATION OF AN OFFER TO BUY OR SELL ANY SECURITIES OR ANY INVESTMENT This presentation has been prepared by The United Insurance Co., of Pakistan Limited (UNIC) solely for information purpose. The information contained in this presentatio
Slide 3: Key Areas
KEY AREAS Company Brief Financial Performance / Overview ❖ United International Group ❖ Company History ❖ Gross Premium Analysis ❖ Vision / Mission Statement ❖ Segment Analysis ❖ Board of Directors ❖ Net Premium Analysis ❖ Board Committees ❖ Underwriting results analysis ❖ PACRA Rating ❖ Profit Befo
Slide 4: Leading our sector and advancing sustainability
WE’RE LEADING OUR SECTOR AND WORKING WITH OUR CLIENTS TO ADVANCE THE CAUSE OF SUSTAINABILITY — EVEN IN PLACES WHERE YOU MIGHT NOT EXPECT US. 4
Slide 5: Company Brief
COMPANY BRIEF United was Founded in 1959 by one of the country's leading Industrialist Mr. Fakhruddin Valika, UIC was established with 20% equity from Pakistan Insurance Corporation (now known as Pakistan Reinsurance Company) as a founder member of the Company. Initially authorized to do Life Assura
Slide 6: Company Brief
COMPANY BRIEF The United Insurance Company's strength lies in the quality products and its wide range of branches all over Pakistan combined with efficient and professional staff. Unlike our competitors, our offices remain open whole week. Thanks to our dedicated workforce, we able to cater to our c
Slide 7: IFS Rating AA+
IFS RATING AA+ by PACRA AA+ by VIS PACRA & VIS has issued IFS Rating “AA+” with “stable” outlook of The United Insurance Company of Pakistan Limited 7
Slide 8: Vision Statement
VISION STATEMENT As an insurance Company – To be the “FIRST CHOICE”. 8
Slide 9: Mission Statement
MISSION STATEMENT By adopting Insurance Technologies We will meet the global requirements For the regulators’ compliances, enhance confidence of Shareholders, Country’s business community & Generate revenue in shape of taxes. 9
Slide 10: Re-Insurance Arrangements
RE-INSURANCE ARRANGEMENTS Company is maintaining best panel of reinsurers to cover its risks. Reinsurer include Swiss Re Korean Re Hannover Re Labuan Re Qatar General Insurance Kuwait Re 10
Slide 11: Corporate Governance
CORPORATE GOVERNANCE UIC is complying with the requirements of code of corporate governance and managing business as per guidelines issued by the SECP. Board of Directors is Consisted of Seven Directors Two independent directors Two executive directors including one Female Director Three non-executi
Slide 12: Group Chairman Mian M.A Shahid
GROUP CHAIRMAN MIAN M.A SHAHID C H I E F E X EC U T I V E O F F I C E R 12
Slide 13: Board of Directors
BOARD OF DIRECTORS 13
Slide 14: Major Segments
MAJOR SEGMENTS ’y Travel Insurance
Slide 15: Key Revenue Segment
KEY REVENUE SEGMENT Travel Bankers Health Health Blanket Insurance Insurance Insurance Guarantee Livestock Aviation / Bond Insurance Insurance Insurance Workmen's Cash in Employer's Compensati Transit Liability on Insurance Cash in Cash on Household Safe Counter Insurance Personal Shop Education Acc
Slide 16: Window Takaful Operations
WINDOW TAKAFUL OPERATIONS The United Insurance Co of Pakistan Ltd is Pakistan’s first Window Takaful Operator. With authorization from Securities Exchange Commission of Pakistan’s Insurance Division, UIC is offering Takaful products since 2014. This is a major milestone for UIC and a testament to ou
Slide 17: Geographic Presence
GEOGRAPHIC PRESENCE North Region South Region Islamabad Karachi Rawalpindi Hyderabad Peshawar Multan Azad Kashmir Rahim Yar Khan East Region West Region Sahiwal Quetta Faisalabad Ziarat Gujranwala Sialkot 17
Slide 18: Financial Performance Overview
FINANCIAL PERFORMANCE OVERVIEW 18
Slide 19: Key Highlights 2025
KEY HIGHLIGHTS 2025 Major highlights of 2025 are hereunder • Total Assets of the company are increased from last year by 19% due to • Increase in property valuation • Increase in Term Deposits • Increase in reinsurance recoveries against outstanding claims • PTF WTO assets are now also become part o
Slide 20: Total Gross Premium
TOTAL GROSS PREMIUM 13,026.170 10,054.110 10,066.080 8,538.576 6,580.419 Total Premium 2025 2024 2023 2022 2021 20
Slide 21: Gross Premium Conventional & Takaful Segments
Gross Premium Conventional & Takaful Segments 10,615.31 8,359.14 7,895.07 6,436.69 5,196.47 2,410.86 2,171.01 2,101.88 1,694.97 1,383.95 Gross Premium Conventional Gross Contribution Takaful 2025 2024 2023 2022 2021 21
Slide 22: Segment wise Gross Premium
Segment wise Gross Premium 4,874.69 1,202.99 996.01 872.64 412.80 Fire Marine Motor Crop Misc 2025 22
Slide 23: Net Premium
NET PREMIUM 5,418.891 5,135.304 3,629.605 3,379.932 2,722.938 Net Premium Conventional 2025 2024 2023 2022 2021 23
Slide 24: Underwriting Results
UNDERWRITING RESULTS 2,489.108 2,133.953 1,087.720 1,123.118 950.140 Underwriting results Coventional 2025 2024 2023 2022 2021 24
Slide 25: Profit Before Tax
PROFIT BEFORE TAX 2,793.000 2,308.565 1,370.213 1,199.179 1,057.230 Profit Before Tax 2025 2024 2023 2022 2021 25
Slide 26: Thank you
Thank you 26
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