Efu General Insurance Ltd. · PSX:EFUG
Efu General Insurance — Investor Presentation (March 2026)
17 slides from Efu General Insurance's investor presentation, Mar 30, 2026
Slide 1: EFU General Insurance Limited Corporate Briefing Session
1 PAKISTAN STOCK EXCHANGE — PSX EFU General INSURANCE LIMITED CORPORATE BRIEFING SESSION ,📅📅 30 March 2026
Slide 2: Agenda
2 AGENDA Corporate Briefing — EFU General Insurance Limited Company Overview Financial Highlights 01 05 About EFU General Insurance Ltd. — Vision, Mission & Values FY 2025 Results — Revenue, Profit, Key Ratios and P&L Account Corporate Governance 02 06 Future Outlook Board Composition Geographical L
Slide 3: Company Overview
3 COMPANY OVERVIEW EFU General Insurance Limited 1932 About Us Year of incorporation Listed on the stock exchange in 1949, reflecting an early commitment to transparency and governance. 85.63B Authorized to offer Window Takaful Operations in Total Assets 2015 to provide Shariah-compliant insurance s
Slide 4: Vision & Mission
4 VISION & MISSION EFU General Insurance Limited VISION To continue our journey to be better than the best. MISSION To provide services beyond expectation with a will to go an extra mile. In the process, continue to upgrade technology, human resource and reinsurance protection.
Slide 5: Our Values
5 OUR VALUES EFU General Insurance Company Limited OUR VALUES Our philosophy is to be the leading Company with service above par, with integrity, excellence, and professionalism. FOLLOWING ARE OUR CORE VALUES: Integrity and Ethics Conduct business with ethics, dignity, fairness and transparency. Exc
Slide 6: Product Portfolio
6 PRODUCT PORTFOLIO EFU General Insurance Limited Fire and Property Marine, Aviation & Transport Motor Miscellaneous Window Takaful Operations
Slide 7: Major Sectors
7 MAJOR SECTORS EFU General Insurance Limited POWER PLANTS PETROCHEMICALS TEXTILE TELECOM AVIATION LEASING
Slide 8: Reinsurance Arrangements
8 REINSURANCE ARRANGEMENTS EFU General Insurance Limited 1 Allianz SE 2 Echo Rückversicherungs-AG 3 Deutsche Reuck 4 Hannover Rückversicherungs SE 5 Korean Reinsurance 6 Lloyd’s of London 7 Swiss Reinsurance 8 SCOR Reinsurance Asia
Slide 9: Group Turnover & Financial Strength
9 GROUP TURNOVER & FINANCIAL STRENGTH EFU General Insurance Limited EFUG Total Premium & Contribution - December 31, 2025 Rs. 46.88 Billion. EFU Group’s Total Premium - December 31, 2025 Rs. 99.39 Billion. FINANCIAL STRENGTH RATING PACRA *A.M. BEST AA++ B VIS AA++ *For latest rating, visit www.ambes
Slide 10: Corporate Governance
10 CORPORATE GOVERNANCE Board Composition & Committees Board of Directors Board Committees Management Committees Comprises of Eight Directors Audit Committee Underwriting Committee Two independent Directors Investment Committee Claim Settlement Committee (Including a female) Re-insurance & Coinsuran
Slide 11: Geographical Presence
11 GEOGRAPHICAL PRESENCE EFU General Insurance Limited (32 Locations)
Slide 12: Business Performance
12 BUSINESS PERFORMANCE Segment-wise Breakdown — FY 2025 Business Mix by Segment Segment Gross Premium Share Growth (Rs. in billion) 10% Property 31.34 67% +16% ▲ 5% Marine & Aviation 4.76 10% -1% 8% Motor 3.90 8% +2% ▲ 10% 67% Miscellaneous 2.46 5% +15% ▲ Takaful 4.42 10% +31% ▲ Property Marine & A
Slide 13: Financial Highlights
13 FINANCIAL HIGHLIGHTS Financial Year Ended December 31, 2025 PKR 42.47B PKR 2.19B PKR 5.36B PKR 5.30B PKR 26.49 +15.5% ▲ -9.5% +138.22% ▲ +42.86% ▲ +42.86% ▲ Gross Written Premium Underwriting Results Investment Income Profit after tax Earnings Per Share 5-Year Premium vs Claims Trend KEY RATIO 50
Slide 14: Profit & Loss Account
14 PROFIT & LOSS ACCOUNT FOR THE YEAR ENDED DECEMBER 31, 2025 Rupees in billion 2025 2024 2023 2022 Gross Written Premium (including takaful Contribution) 46.88 41.27 41.52 41.27 Net Premium 14.51 14.55 12.39 10.29 Net Claims (6.03) (5.82) (5.12) (5.60) Net Commission (2.60) (2.57) (2.13) (1.59) Man
Slide 15: Key Business Risk
15 KEY BUSINESS RISK Underwriting Risk Catastrophe Risk Reinsurance Risk Financial Risk
Slide 16: Future Outlook
16 FUTURE OUTLOOK The Company remains focused on sustainable, profitable growth amid economic volatility and changing risk patterns. Our priorities include disciplined underwriting, prudent reinsurance protection, strong claims governance, efficient expense management, continued digital transformati
Slide 17: Q&A Session
17 Q&A SESSION We welcome your questions and feedback. Company website Company Secretary www.efuinsurance.com amin.punjani@efuinsurance.com +92-21-2313471-90 EFU General Insurance Limited | Corporate Briefing Session | March 2026
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