Premier Insurance Co. of Pakistan Ltd. · PSX:PINL
Premier Insurance Co. of Pakistan — Premier Insurance — 9M 2025 Earnings Presentation
15 slides from Premier Insurance Co. of Pakistan's earnings presentation, Nov 25, 2025
Slide 1: Notice of Corporate Briefing Session to PSX
Premier Insurance November 20, 2025 The General Manager Pakistan Stock Exchange Limited Stock exchange Building Stock Exchange Road Karachi. Subject: CORPORATE BRIEFING SESSION ~ PREMIER INSURANCE LIMITED Dear Sir, This is to inform you that the Corporate Briefing Session (CBS) of Premier Insurance
Slide 2: Premier Insurance Limited Corporate Briefing Session
Premier Insurance Limited Corporate Briefing Session Held on 25th November 2025
Slide 3: Contents
Contents Introductory Briefing Key Highlights – Profit & Loss Financial Performance, Portfolio & Segment Performance for the period ended Sep 30, 2025 Key Highlights – Balance Sheet Outlook
Slide 4: Introductory Briefing
Introductory Briefing • 1952 – Zahid Hussain, the 1st Governor of the State Bank of Pakistan brought together leading industrialists of the newly established country realizing the need for a Pakistani insurer – a crucial component for a young, burgeoning economy, this event set into motion the conce
Slide 5: Introductory Briefing
Introductory Briefing • Our business spans over the country, provides services to clients across all economic sectors and offers products in all classes of general insurance. • It is our historical practice of striving to achieve prompt settlement of even the largest claims that has allowed us to bu
Slide 6: Introductory Briefing
Introductory Briefing Commencement of Operations 1952 Head Quarters Karachi Major Shareholders 1) Crescent Powertech Limited 18% Credit Rating(Long Term) A Branches and offices 11 Cities Covered 09 Staff Strength Permanent 57 Contractual 29
Slide 7: Introductory Briefing
Introductory Briefing Company offers following facilities Branches Matrix Provinces No of Branches Fire and Property Damages Sindh 2 Punjab 6 Marine, Aviation and transport KPK 1 Balochistan 1 1 Motor Federal territory 1 1 Total 11 Miscellaneous 6 Engineering 1 Energy 2 Health Bonds, Liability and W
Slide 8: Financial Performance for the nine months period ended - Conventional
Financial Performance for the nine months period ended - Conventional (Rupees in ‘000) Profit/(loss) statement Sep-25 Sep-24 Net Insurance Premium 204,659 211,947 Insurance claim & acquisition expenses -111,780 -128,854 Management Expenses -151,161 -185,641 Underwriting results -58,282 -102,548 Inve
Slide 9: Portfolio - Conventional
Portfolio - Conventional Sep-25 Sep-24 Miscellaneous, 7% Miscellaneous, 10% Fire and property Fire and damage, 41% property damage, 29% Health, 24% Marine, Health, 37% aviation and Marine, transport, 9% aviation and transport, 8% Motor, 19% Motor, 15% Miscellaneous Includes several lines including E
Slide 10: Segment Performance
Segment Performance Nine months Conventional period ended 2025 2024 Fire and property Marine, aviation and Motor Health Miscellaneous damage transport Total 2025 2024 2025 2024 2025 2024 2025 2024 2025 2024 2025 2024 -----------------------------------------------------------------------------------
Slide 11: Financial Performance for the nine months period ended - Takaful
Financial Performance for the nine months period ended - Takaful (Rupees in ‘000) Profit/(loss) statement Sep-25 Sep-24 Contribution earned 136,659 97,884 Less: Contribution ceded to retakaful -32,099 -24,000 Net Contribution 104,560 73,884 Re-takaful rebate 6,540 4,407 Net underwriting income 111,1
Slide 12: Portfolio - Takaful
Portfolio - Takaful Sep-25 Sep-24 Miscellaneo Fire and Miscellaneo Fire and us property us property 2% damageMarine, 1% damageMarine, 11%aviation and 9%aviation and transport 5% transport 3% Health 48% Health 49% Motor 34% Motor 39% Miscellaneous Includes several lines including Engineering, Bond, T
Slide 13: Segment Performance
Segment Performance Nine months Takaful period ended Sep 2025 Sep 2024 Fire and property Marine, aviation and damage transport Motor Health Miscellaneous Total 2025 2024 2025 2024 2025 2024 2025 2024 2025 2024 2025 2024 --------------------------------------------------------------------------------
Slide 14: Key Highlights - Balance Sheet
Key Highlights - Balance Sheet Sep-25 Sep-24 Paid-up capital 505,650 505,650 Capital reserves 19,675 19,675 Revenue reserves 735,523 470,848 Total reserves 755,198 490,523 Total equity 1,260,848 996,173 Total assets 3,559,759 3,178,961
Slide 15: Outlook
OUTLOOK • Although challenges remain, we feel that the Company is now poised for growth as the management continues its marketing efforts to gain market share. Our organization remains committed to capitalize on new opportunities. Our ongoing goals focus on enhancing revenue and profitability throug