Habib Insurance Co. Ltd. · PSX:HICL
Habib Insurance — Investor Presentation (December 2025)
18 slides from Habib Insurance's investor presentation, Dec 19, 2025
Slide 1: Corporate Briefing Session
Habib Insurance Company Limited Corporate Briefing Session Friday, December 19, 2025
Slide 2: Brief Overview
Brief Overview ➢ Habib Insurance is one of the oldest insurance companies in Pakistan. ➢ It was established in Bombay in 1942 and moved its Head Office to Karachi in 1947. ➢ Over the years, the company has continued to prosper, serving its honorable clientele by maintaining a culture of integrity &
Slide 3: Management Information
Management Information Board of Directors Chairman : Mansoor G. Habib Directors : Muhammad Hyder Habib : Qumail R. Habib : Aun Mohammad A. Habib : Zahida Habib : Ujala Mir Masood : Ali Fadoo : Shahid Ghaffar : Shabbir Gulamali Chief Executive : Murtaza Hussain Company Secretary : Muhammad Asif Audit
Slide 4: Credit Rating
Credit Rating ➢ Rating Agency : PACRA ➢ Date of Rating: November Rating Agency 04, 2025 ➢ Rating: A++(ifs) ➢ Outlook: Stable
Slide 5: Our Products
Our Products Property Marine Motor Engineering Travel Accident & Miscellaneous
Slide 6: Awards and Recognitions
Awards and Recognitions Twelve times ‘Top 25 Companies Award’ by Pakistan Stock Exchange (Former Karachi Stock Exchange) including for eight consecutive years from 1979 to 1986 and for the years 1993, 1995, 1997 and 2014.
Slide 7: HICL – Performance Overview
HICL – Performance Overview Particulars 9M 2025 9M 2024 YoY Net Insurance Premium 1,297.2 1,093.4 19% Net Insurance Claim (797.5) (668.2) 19% Reversal of Premium deficiency 7.1 0.1 7000% Net Commission Expense (50.6) (18.8) 169% Management Expenses (503.7) (542.1) -7% Underwriting Loss (47.5) (135.6
Slide 8: Business Review
Business Review Gross Written Premium / Contribution (Rs in Mn) 4,500 4,004 4,000 3,657 3,500 3,022 2,998 3,000 2,500 2,000 1,500 1,000 500 0 2022 2023 2024 9M 2025
Slide 9: Business Review
Business Review Equity (Rs in Mn) 3,000 2,468 2,055 2,000 1,503 1,168 1,000 0 2022 2023 2024 9M 2025 Assets (Rs in Mn) 8,000 7,399 6,485 6,000 5,494 4,544 4,000 2,000 0 2022 2023 2024 9MCY25
Slide 10: Portfolio Mix
Portfolio Mix 9M 2025 9 M 2024 GHP Misc 0.3% Misc 9% GHP 13% Motor 0.2% 40% Fire Fire 37% 40% Motor 32% Marine 15% Marine 13% Fire Marine Motor GHP Misc Fire Marine Motor GHP Misc
Slide 11: Balance Sheet
Balance Sheet (Rs. In Mn) Particulars 9M 2025 2024 2023 2022 Investments 3,614 2,535 1,567 1,637 Cash and Bank 30 475 661.9 396 Other Assets – Current 3,646 3,362 3,151 2,454 Other Assets – Non-current 98 100 114 56.1 Intangible Assets 11 13 0.2 0.5 Total Assets 7,399 6,485 5,494.1 4,543.6 Total Lia
Slide 12: Operating Data (Underwriting) 1/2
Operating Data (Underwriting) 1/2 Conventional (Rs. In Mn) Particulars 9M 2025 2024 2023 2022 Gross Premium Revenue 2,454 3,370 3,075 2,637 Net Premium Revenue 1,306 1,488 1,509 1,228 Net Claims (798) (934) (952) (627) Net Commission (Expense)/ Income (51) (6) (33) 85 Management Expenses (504) (775)
Slide 13: Operating Data (Underwriting) 2/2
Operating Data (Underwriting) 2/2 Takaful (Rs. In Mn) Particulars 9M 2025 2024 2023 2022 Gross Contribution Revenue 543 634 582 385 Net Contribution Revenue 33 101 157 128 Net Claims (192) (178) (213) (122) Retakaful Rebate 63 57 36 25 Underwriting Results (96) (20) (20) 31
Slide 14: Financial Ratios and Analytics 1/2
Financial Ratios and Analytics 1/2 Particulars 9M 2025 2024 2023 2022 Underwriting Results / Gross Premium & % (4.8) (6.2) (7.1) 0.3 Contribution Combined Ratio % 111.7 118.7 115.9 107 Loss Ratio % 74.0 70.0 69.9 55.0 Return on Equity % 6.4 11.5 7.5 9.5 Earning per Share – Pre-Tax Rs 1.9 3.0 1.3 1.1
Slide 15: Financial Ratios and Analytics 2/2
Financial Ratios and Analytics 2/2 Particulars 9M 2025 2024 2023 2022 Face Value Per Share Rs. 5.0 5.0 5.0 5.0 Market Value per share at the end of the year Rs. 13.0 8.5 6.2 6.0 Market Value per share Highest during the year Rs. 9.39 8.39 6.4 8.19 Market Value per share Lowest during the year Rs. 5.
Slide 16: Strategic/ Operational Developments
Strategic/ Operational Developments • Attained 3% growth in Overall Gross Underwritten Premiums for the period ending 3rd Quarter 2025 as compared to corresponding period last year with Conventional Premium Growth is 0.45% & Takaful Premium Growth is 19%. • Increased our Treaty Commissions under Tak
Slide 17: Future Outlook
Future Outlook ➢ The year ahead is expected to be remain challenging due to commercial stagnation and continuation, although in a stable manner, of inflation. ➢ Looking ahead for the year 2026, the Company will continue its effort to strive for progress to Inshallah attain better underwriting result
Slide 18: Habib Insurance
Habib Insurance Est. 1942
Habib Insurance Company — Investor Presentation (December 2025) on 6ix