Invest Capital Investment Bank Limited · PSX:ICIBL
Invest Capital Investment Bank — Corporate Update (November 2025)
27 slides from Invest Capital Investment Bank's corporate update, Nov 17, 2025
Slide 1: Corporate Briefing Session, Lahore, November 17, 2025
Corporate Briefing Session at Head Office, 131-A, P-Street, Upper Mall Scheme, Lahore at 11.00 am on November 17, 2025
Slide 2: Schedule of the Session
Schedule of the Session Tilawat-e-Quran Opening remarks by Mr. Muhammad Asif Chief Executive Officer (05 minutes) Analysts Presentation by Mr. Muhammad Ikram Chief Financial Officer (20 minutes) Question & Answer Session (15 minutes)
Slide 3: Contents
Click up About us Concept Our intention Values Overview Financial Highlights Summary of Financial Activities Challenges Ahead & Future Plan Question & Answer session
Slide 4: About us
About us In 2009, “Al-Zamin Leasing Corporation Limited (AZLCL)” and Al-Zamin Leasing Modaraba (AZLM)” were merged with and into “ICIBL”. After the merger, ICIBL continued facing financial and operational difficulties therefore, on July 6, 2011 SECP granted permission to Zahidjee Group to acquir
Slide 5: About us
About us Zahidjee Group took the control of the management of the company and injected Rs. 150 million into the company. In 2012 the brokerage segment was separated from ICIBL which continued its business in the name of Invest Capital Markets Limited.
Slide 6: Concept
Concept Unlocking Opportunities for Economic Expansion and Nation wide collaboration Sustainable financing and investment Job Creation, diversification, improved competitiveness and inclusive growth Committed to providing quality service, upholding high ethical and professional standards, pu
Slide 7: Our Intention
Our Intention To provide healthy environment, corporate culture, good governance for clients, personnel and investors. Healthy Environment: Encourage sustainable and eco-friendly practices. Foster open communication and psychological safety. Ensure work-life balance through flexible polici
Slide 8: Values
Values Act with integrity Take responsibility Seek excellence Reward collaboration Innovation Customer satisfaction Diversity and inclusion Sustainability and accountability Team work Human resource development
Slide 9: Company Overview
Company Overview The NBFI sector was badly hit in the aftermath of financial meltdown which affected the entire financial sector in 2008. The result was sharp rise in discount rate coupled with liquidity shortage forced the companies to utilize the available cash flows from recoveries to repay borro
Slide 10: Company Overview
Company Overview By the grace of Almighty Allah, Company’s financial and operational position has been stable for quite some time. The non- availability of funds remained the reason for not increasing business volumes substantially. The non performing loan portfolio of the company is down to its mos
Slide 11: Statement of Financial Position
Statement of Financial Position BALANCE SHEET 2025 2024 Variance (%) Assets Non current Assets 914,291,593 540,086,983 374,204,610 69.29 Current Assets 653,587,171 758,507,179 (104,920,008) (13.83) Total Assets 1,567,878,764 1,298,594,162 269,284,602 20.74 Equity & Liabilities Share Capital & Reserv
Slide 12: Statement of Financial Position (chart)
Statement of Financial Position 1,800 120 1,568 99 1,568 Assets/Liabilities (in Million Rs.) 1,600 100 1,400 Growth (%) 69 80 1,200 1,000 60 914 761 800 654 435 40 600 21 21 9 371 20 400 6 0 200 -14 - -20 Non Current Total Share Non Current Total current Assets Assets Capital & current Liabilities e
Slide 13: Statement of Profit or Loss
Statement of Profit or Loss PROFIT & LOSS ACCOUNT 2025 2024 Variance (%) Gross Income 173,850,063 150,415,077 23,434,986 15.58 Administrative Expenses (36,494,160) (37,294,368) 800,208 (2.15) Financial Charges (7,519) (3,437) (4,082) 118.77 Other Income 7,686,431 5,160,506 2,525,925 48.95 Provision
Slide 14: Statement of Profit or Loss (chart)
Statement of Profit or Loss 200 150 119 174 150 100 Profit (in Million Rs.) 49 Growth (%) 100 50 16 16 (2) (1) 50 - (0) 8 6 (3) - (50) Gross Income Administrative Financial Other Income Provision Levies Taxation (21) Expenses (36) Charges (81) Reserved (50) (100) Profit (in Million Rs) Growth per an
Slide 15: Financial Portfolio as at June 30, 2025 & 2024
Financial Portfolio as at June 30, 2025 & 2024 Portfolio 2025 2024 Variance (%) Finance Lease 930,091,084 737,489,125 192,601,959 26.12 Vehicle Finance 672,929,188 443,448,481 229,480,707 51.7 Musharakah Finances 137,835,440 138,498,243 (662,803) (0.48) Working Capital Loan 89,945,135 118,890,103 (2
Slide 16: Financial Portfolio (chart)
Financial Portfolio 0 1 2 3 4 5 6 7 2,000 1,878 60 52 1,800 Financial Portfolio (in Million Rs.) 50 1,600 40 Growth per annum (%) 1,400 26 26 30 1,200 20 1,000 930 10 800 673 0 0 0 600 400 -24 -10 200 138 90 -20 47 - -30 Finance Lease Vehicle Finance Musharakah Working Capital Ijarah Finance Grand T
Slide 17: Recovery
Recovery Portfolio 2025 2024 Variance (%) Finance Lease 91,464,604 89,263,904 2,200,700 2.47 Vehicle Finance 259,089,107 199,236,177 59,852,930 30.04 - Musharakah Finances 785,749 2,082,540 (1,296,791) (62.27) Working Capital Loan 32,234,046 17,894,038 14,340,008 80.14 Ijarah Finance 16,494 - 16,494
Slide 18: Recovery (2025) chart
Recovery (2025) 0 1 2 3 4 5 6 7 450 100 120 400 80 100 Recovery (in Million Rs.) 350 384 80 60 Growth (in %) 300 30 24 40 250 2 259 20 200 - 150 (20) 100 (40) (62) 50 91 (60) 1 32 0 - (80) Finance Lease Vehicle Finance Musharakah Working Capital Ijarah Grand Total Finances Loan Recovery Growth per a
Slide 19: Pattern of Shareholding as at June 30, 2025
Pattern of Shareholding as at June 30, 2025 Categories Physical CDC Shares Holding % Directors 1,000 131,450,750 131,451,750 46.14 NIT & ICP - 9,609,692 9,609,692 3.37 Banks, DFIs & NBFCs 188,815 200,079 388,894 0.14 Insurance Companies 100,672 22,100 122,772 0.04 Mudarabas and Mutual Funds 603,834
Slide 20: Pattern of Shareholding
Pattern of Shareholding 0.00 18.72 Directors NIT & ICP Banks, DFIs & NBFCs 46.14 Insurance Companies Mudarabas and Mutual Funds General Public 31.37 Other Companies - Local Other Companies - Foreign 0.14 3.37 0.21 0.04
Slide 21: Summary of Financial Activities
Summary of Financial Activities Fresh financing of Rs. 746.90 million was made during the year (June 2024 Rs. 258.27 million) whereas Rs. 80.71 million were invested in Government Treasury Bills. (June 2024 Rs. 190.42 million). This was the result of better recoveries during the year. The total
Slide 22: Summary of Financial Activities
Summary of Financial Activities The operating expenses remained almost at the same level and stood at Rs. 36.49 million as compared to Rs. 37.29 million at June 30, 2024. There were no financial charges during the year as all markup based facilities have been paid off. The reversal of provisio
Slide 23: Challenges Ahead
Challenges Ahead The State Bank of Pakistan has cut down its policy rate multiple times in recent past and lately brought it down to 11% from 22%. This has a similar impact on the KIBOR rate. The KIBOR rate has also now gone down from 20.14% to 11.34% . This will have an impact on the overall grow
Slide 24: Future Plan
Future Plan After approval of the shareholders in the EOGM held on 26th September 2024 for Reduction of Capital of the Company U/S 89 (a) of Companies Act 2017, the Company filed petition with Honorable Sindh High Court for approval. The approval of court is pending for want of NOC from SECP which
Slide 25: Future Plan
Future Plan Limited and Cautious approach in future financing till the rationalization of market interest rates. More focus on recovery from non performing clients. Improvement and consolidation of Risk Assets.
Slide 26: Question Answer
Question Answer Questions please
Slide 27: Corporate Briefing session concluded
Corporate Briefing session concluded THANK YOU
Invest Capital Investment Bank — Corporate Update (November 2025) on 6ix