First Credit & Investment Bank Limited · PSX:FCIBL
First Credit & Investment Bank — Investor Presentation (October 2026)
29 slides from First Credit & Investment Bank's investor presentation, October 2026
Slide 1: First Credit and Investment Bank Limited
First Credit and Investment Bank Limited 26 FCIBL/L-__- /10/2026 October 15, 2026 The General Manager, Pakistan Stock Exchange Limited, Stock Exchange Building, Stock Exchange Road Karachi. Subject: CORPORATE BRIEFING SESSION (CBs) Dear Sir, This is to inform you that the Corporate Briefing Session
Slide 2: Corporate Briefing Presentation
First Credit and investment Bank Limited Corporate Briefing Presentation October 24, 2026 At FCIBL, 2nd Floor, SIDCO Avenue Centre, Karachi At 12:00 noon 1
Slide 3: Corporate Briefing
Corporate Briefing 1. History and Profile 2. Governance 3. Investment Banks- Problems / Challenges and FCIBL Standing 4. Major Achievements and Progress 5. Financial Performance 6. Operations at FCIBL 7. Permitted Business under IFS License 8. Transition to Shariah Compliant Operations 9. Future out
Slide 4: History and Profile
History and Profile FCIBL was Established in 1989-90 as Joint Venture of NDFC and WAPDA with the name of First Credit & Discount Corporation (Pvt) Ltd (FCDC) The initial capital was Rs. 10 million equally contributed by NDFC and WAPDA. Subsequently, in 1995-96 with Right of issue of Rs. 25 milli
Slide 5: History and Profile
History and Profile During 2006 it expanded its mandate & scope by obtaining License to provide Investment Finance Services (Investment Banking). In 2006 renamed as FCIBL. During 2008-9, got its shares listed on Karachi Stock Exchange by floating IPO of Rs. 250 million. FCIBL credit rating i
Slide 6: Governance
Governance Board of Directors The Board of FCIBL consists of seasoned bankers and experienced professionals suitably diversified into Non Executive, Independent and Executive Directors. 1. Mr. Fasial Ahmed Topra Chairman of Board of FCIBL /Non Executive /Non Independent Director. 2. Syed Irfan Husna
Slide 7: Governance
Governance 3. Mr. Masood Raza Non Executive / Non Independent Director 4. Ms. Faaiza Faisal Non Executive / Non Independent Director 5. Mr. Amjad Iqbal Independent / Non Executive Director 6
Slide 8: Governance
Governance 6. Mr. Jawaid Iqbal Independent / Non Executive Director 7. Ms. Misbah Asjad Independent / Non Executive Director 8. Mr. Osman Malik President and CEO of FCIBL 7
Slide 9: Governance: Committees of the Board
Governance COMMITTEES OF THE BOARD There are three Committees of the Board of FCIBL as follows; 1. The Audit Committee a) Ms. Misbah Asjad– Chairperson b) Mr. Masood Raza – Member c) Ms. Faaiza Faisal – Member 8
Slide 10: Governance: HR & Remuneration Committee
Governance 2. The HR & Remuneration Committee a) Mr. Jawaid Iqbal – Chairman b) Mr. Fasial Ahmed Topra – Member c) Mr. Masood Raza – Member d) Ms. Faaiza Faisal - Member 9
Slide 11: Governance: Risk Management Committee
Governance 3. The Risk Management Committee a) Mr. Amjad Iqbal- Chairman b) Mr. Faisal Ahmed Topra - Member c) Mr. Masood Raza - Member d) Ms. Misbah Asjad - Member e) Mr. Osman Malik - Member 10
Slide 12: Internal Controls and Compliance
Governance Internal Controls and Compliance FCIBL maintains high standards of governance, internal controls and risk assessment framework. Comprehensive policies and procedures have been approved by the Board covering all major spheres of operations and are reviewed and updated as per the changing r
Slide 13: Governance
Governance Due to sound internal controls and compliance function • FCIBL has never defaulted to any of its financial commitment. • FCIBL has never asked for any waiver/ write off or restructuring from its creditors / depositors. • No adverse findings. 12
Slide 14: Environmental and Corporate Social Responsibility
Governance Environmental and Corporate Social Responsibility FCIBL is fully aware of its environmental and Corporate Social Responsibilities and is ready to support social and environmental causes of the country. FCIBL also maintains compliance to all governmental and internal health, safety and the
Slide 15: Gender Diversity
Governance Gender Diversity FCIBL is an equal opportunity employer and believes in gender diversity and inclusiveness. It is ensured in FCIBL that no employee is discriminated on the grounds of their race, nationality, ethnic/ social origin, religious or political beliefs, age, gender, marital statu
Slide 16: Investment Banks - Problems / Challenges and FCIBL Standing
Investment Banks- Problems / Challenges and FCIBL Standing There are three major problems / challenges that Investment Banks in Pakistan have been facing since last many years. Liquidity Issue : Non availability of borrowing lines from Commercial Banks Competition : Throat-cut competition with Comme
Slide 17: Investment Banks - Problems / Challenges and FCIBL Standing (continued)
Investment Banks- Problems / Challenges and FCIBL Standing (continued) • Despite problems and challenges, FCIBL has been sustainable in doing its business during hard times. Its credit rating never went below investment grade. Rather, its short term rating upgraded to A1 during 2024-2025 and medium
Slide 18: Investment Banks - Problems / Challenges and FCIBL Standing (continued)
Investment Banks- Problems / Challenges and FCIBL Standing (continued) • FCIBL built up its equity to more than Rs.400 million through internal profits before going to listing in August 2008. As of June 30, 2026 it has achieved equity of Rs.892 million. • FCIBL is gradually expanding its business ac
Slide 19: Major Achievements and Progress FY2025-26
Major Achievements and Progress-FY2025-26 FCIBL has achieved milestone of crossing the footing of its financial position to Rs.4.4 billion in FY 2025-26 which is ever highest in FCIBL’s history. FCIBL has achieved ever highest net equity of Rs.892 million in FCIBL’s history. FCIBL earned highe
Slide 20: Financial Performance: Shareholders' Equity
Financial Performance Shareholders’ Equity As at June 30, 2026 (Rs In million) No. of Shares Amount Initial paid up capital (1989-90) 1.0 10.000 Right Issue (1995-96) 2.5 25.000 Bonus Issues (various years) 36.5 365.000 Pre-IPO Capital 40.0 400.000 IPO (August 2008) – (General Public) 25.0 250.000 P
Slide 21: Financial Performance (SOFP)
Financial Performance (SOFP) Particulars June 30, June 30, June 30, June 30, June 30, 2026 2025 2024 2023 2022 EQUITY & LIABILITIES ----------------- Rupees in thousand ------------------ Paid up capital 650,000 650,000 650,000 650,000 650,000 Reserves 276,173 208,985 152,390 127,706 120,840 Deficit
Slide 22: Financial Performance (Profit & Loss)
Financial Performance (Profit & Loss) Particulars June 30, 2026 June 30, 2025 June 30, 2024 June 30, 2023 June 30, 2022 -------------- Rupees in thousand ---------------- INCOME 257,209 602,161 448,890 279,322 134,083 OPERATING PROFIT 56,454 41,751 22,166 1,669 (1,770) PROFIT BEFORE TAX 81,973 67,64
Slide 23: Operations at FCIBL
Operations at FCIBL FCIBL’s existing business activities consist mainly of the following operations. - Corporate Finance Activities - Investment Banking Activities - Treasury & Money Market Activities - Arbitrage Business - Capital Market Activities - Fee Oriented MM & FX Brokerage Business 22
Slide 24: Permitted Business under IFS License
Permitted Business under IFS License As permitted under the NBFC regulatory regime, FCIBL being the license holder of Investment Finance Services is also permitted to undertake; Leasing Business Digital Lending through Fintech Housing Finance Services Discounting Services In this respect, th
Slide 25: Transition to Shariah Compliant Operations
Transition to Shariah Compliant Operations In line with the regulatory requirements and the Company’s commitment to Shariah compliance, the Board has appointed a qualified Shariah Advisor to provide guidance on Shariah-related matters and ensure adherence to Islamic principles in business operations
Slide 26: Future Outlook & Conclusion
Future Outlook & Conclusion FCIBL’s performance since its inception has been satisfactory. The Board and management has always adopted prudent approach for which it has in placed sound internal controls, risk management system and significant policies. Despite many challenges being faced, FCIBL has
Slide 27: Future Outlook & Conclusion
Future Outlook & Conclusion These development in business are achieved in-spite of cut-throat competition from commercial banks and human resource challenges being faced by FCIBL. Looking ahead, the Board remains committed to expanding core business operations while diversifying into new areas under
Slide 28: Q&A
Q&a First Credit And Investment Bank Ltd. 27
Slide 29: Thank You
THANK YOU First Credit And Investment Bank Ltd.
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