Olp Financial Services Pakistan Limited · PSX:OLPL

Olp Financial Services Pakistan — Investor Presentation (November 2025)

29 slides from Olp Financial Services Pakistan's investor presentation, Nov 19, 2025

Slide 1: OLP Financial Services Pakistan Limited
e OLP FINANCIAL SERVICES PAKISTAN LIMITED (PSX Symbol: OLPL) et A || & a 1 ‘al | November 19, 2025 10:30 AM (PST)
Slide 2: Disclaimer
Disclaimer • THIS PRESENTATION IS NOT AN OFFER OR SOLICITATION OF AN OFFER TO BUY OR SELL ANY SECURITIES OR ANY INVESTMENT. • The information contained herein reflects our latest business statement as at September 30, 2025. Except the historical information contained herein, statements in this Relea
Slide 5: Company Profile
Company Profile AAA A1+ Long Term Entity Rating by: VIS Short Term September 11,2025 AA+ A1+ Long Term Entity Rating by: PACRA Short Term February 28,2025 Established in 1986 31 Offices in 26 Cities Across Pakistan (Coverage of more than 100 Around 500 Team Members Cities & Towns) www.olpfinance.com
Slide 6: OLP - at a Glance
OLP - at a Glance Global Branches Credit Rating Presence ORIX 31 Branches in 26 Long Term AAA Cities Short Term A1+ Corporation, Entity Rating by: VIS Japan (Parent 100% owned OLP Long Term AA+ Company) Services Pakistan (Pvt) Short Term A1+ Entity Rating by: PACRA Ltd. Market Dividend SME’s Capital
Slide 8: Contribution towards Economy
Contribution towards Economy Disbursement  OLP has focused on supporting Small and Medium Enterprises (SMEs) by providing access to financing from formal institutions, helping them avoid reliance on high-interest 26% informal loans. SME & Individual Others  Over 39 years, OLP has disbursed a total
Slide 9: Awards
Awards OLPL • Management Association of Pakistan Award 2024 39th Corporate Excellence Awards • NBFI and Modaraba Association of Pakistan Award 2024 Performance Award www.olpfinance.com OLP - All rights reserved 9
Slide 10: Board Members
Board Members Mr. Khalid Aziz Mr. Anwar Mr. Rashid Mr. Yoshiaki Mirza Mansoor Khan Ahmed Jafer Matsuoka Chairman & Non- Independent Independent Non-Executive Executive Non-Executive Non-Executive Director Director Director Director Ms. Yoko Mr. Kazuhito Mr. Ramon Mr. Shaheen Miura* Inoue Alfrey Amin
Slide 11: Internal Governance Structure
Internal Governance Structure Audit and Risk Management Committee Committee HR Nomination and Remuneration Credit Committee Committee Board CEO Asset Compensation Liability Committee Management Committee Information Credit Technology Committee Steering Committee www.olpfinance.com OLP - All rights r
Slide 13: Annual Profit
Annual Profit PKR. in million 2,291 2,029 2,012 1,719 1,447 1,377 1,284 1,1581,380 1,393 976 973 1,211 1,225 808 1,023 640 915 882 841 454 747 702 395 351 414 671 360 306 225 226 274 516 166 157 133 150 156 179 151 396 125 13 21 33 42 49 60 112 321 334 338 0.11 5 266 267 209 202 148 132 103 130 136
Slide 14: Dividend Including Bonus Shares
Dividend Including Bonus Shares 60% 55% 50% 50% 50% 45% 45% 45% 45% 45% 45% 45% 40% 40% 40% 40% 40% 40% 38% 38% 35% 35% 35% 35% 30% 30% 30% 30% 30% 30% 28% 27% 25% 23% 22% 20% 18% 15% 10% 10% 10% 0% 0% 0% 0% 0% 1987 1988 1989 1990 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004
Slide 15: Market Ratios
Operational Review – Executions and Average TR Market Ratios Amount in Rs ‘million Price to Book ratio (Times) Dividend Yield (%) 38.5 Market 27.7 Value 21.0 18.2 0.62 21.93 19.05 18.06 0.46 0.41 14.30 0.33 June-22 June-23 June-24 June-25 June-22 June-23 June-24 June-25 www.olpfinance.com OLP - All
Slide 16: Financial Highlights
Financial Highlights June2025 Revenue Profitability EPS Financial PKR 6.96 bn PKR 1.23 bn PKR 6.99 Highlights vs PKR 7.98 bn vs PKR 1.39 bn vs 7.94 FY24 FY24 FY24 SEP2025 Quarterly Revenue Profitability EPS Financial PKR 1.57 bn PKR 296 Mn PKR 1.69 Highlights vs PKR 1.89 bn vs PKR 324 Mn vs 1.85 Q1-
Slide 17: Financial Ratios
Operational Review – Executions and Average TR Financial Ratios Amount in Rs ‘million Return on equity (ROE) (%) Return on Asset (ROA) (%) (Annualized) (Annualized) 12.94% 13.75% 3.93% 4.36% 11.47% 10.73% 3.64% 3.29% June-23 June-24 June-25 Q1-FY26 June-23 June-24 June-25 Q1-FY26 Debt equity ratio (
Slide 18: Revenue & Profitability
Revenue & Profitability Revenues Profitability (PKR. in million) (PKR. in million) 7,984 6,964 1,393 6,796 1,211 1,225 4,490 882 2022 2023 2024 2025 2022 2023 2024 2025 www.olpfinance.com OLP - All rights reserved 18
Slide 19: Profitability
Profitability Statement of Profit or Loss June 2025 June 2024 (PKR. in Million) Income from operations 5,893 6,885 Other income 917 959 Share of profit from associates 154 140 Total income 6,964 7,984 Finance cost 3,158 3,876 Administrative, general and other expenses 1,709 1,642 Total expenditure 4
Slide 20: Financial Position
Financial Position Statement of Financial Position June 2025 June 2024 (PKR. in Million) Net investment in finance lease 7,618 8,615 Finances and loans 21,311 16,772 Total portfolio – net of provision 28,929 25,387 Investments 4,303 4,694 Other assets 2,185 1,873 Total Assets 35,417 31,954 Bank borr
Slide 21: Portfolio & Disbursement
Portfolio & Disbursement Disbursements Portfolio (PKR. in million) (PKR. in million) 29,008 20,571 17,639 16,077 16,037 25,678 25,479 24,992 2022 2023 2024 2025 2022 2023 2024 2025 www.olpfinance.com OLP - All rights reserved 21
Slide 22: Sector Wise Portfolio
Operational Review – Executions and Average TR Sector Wise Portfolio Amount in Rs ‘million SECTOR INDIVIDUAL As at Sep-2025 (PKR.in Million) Sep-25 Jun-25 GOODS TRANSPORT INDIVIDUAL 10,049 9,869 14% GOODS TRANSPORT 3,124 2,931 SERVICES 3% SERVICES 2,613 2,573 TRADING 2% 3% TRADING 2,541 2,208 FUEL &
Slide 23: Funding Analysis
Funding Analysis (PKR. in million) 10,897 Equity 9,794 10,471 8,914 2,971 COD 4,536 4,717 5,337 Bank 18,492 13,484 13,962 12,898 2022 2023 2024 2025 Total Borrowing 18,020 18,679 18,235 21,463 D/E Ratio (times) 2.02 1.91 1.74 1.97 www.olpfinance.com OLP - All rights reserved 23
Slide 25: Future Strategy
Future Strategy Business growth driven by new products, product enhancements and strategic vendor alliances.  Introduction of automobile top-up facility for existing customers.  Solar financing to individual / corporate customers and eventually entering in carbon credit market. This will also incl
Slide 26: Future Strategy
Future Strategy Process efficiency, digitization and automation.  IT Platform transformation for integrated and efficient systems.  Introduction of Customer Relationship Management System (CRM).  Revamping OLP’s website to make it more interactive.  Introduction of hybrid (AI plus human interfac
Slide 27: Future Strategy
Future Strategy Portfolio management, Capacity building & funding and staff development. compliance.  Focus on hiring of quality human resource to  Close monitoring of overall economic conditions meet the requirement of growth driven business with particular emphasis on sectors where OLP model. ha

OLP Financial Services Pakistan — Investor Presentation (November 2025) on 6ix

Olp Financial Services Pakistan — Investor Presentation (November 2025)

Slide 1: OLP Financial Services Pakistan Limited

Slide 2: Disclaimer

Slide 3: Contents

Slide 4: Introduction & Corporate Governance

Slide 5: Company Profile

Slide 6: OLP - at a Glance

Slide 7: OLP Products

Slide 8: Contribution towards Economy

Slide 9: Awards

Slide 10: Board Members

Slide 11: Internal Governance Structure

Slide 12: Operational & Financial Information

Slide 13: Annual Profit

Slide 14: Dividend Including Bonus Shares

Slide 15: Market Ratios

Slide 16: Financial Highlights

Slide 17: Financial Ratios

Slide 18: Revenue & Profitability

Slide 19: Profitability

Slide 20: Financial Position

Slide 21: Portfolio & Disbursement

Slide 22: Sector Wise Portfolio

Slide 23: Funding Analysis

Slide 24: Future Strategy

Slide 25: Future Strategy

Slide 26: Future Strategy

Slide 27: Future Strategy

Slide 28: Q&A

Slide 29: www.olpfinance.com OLP - All rights reserved