Corporate Briefing Session â?? Presentation & Zoom Invite

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Fo n,or ' OR x Modaraba)

October 27, 2025 OLPM/SEC-2025-10/12

The General Manager

Pakistan Stock Exchange Limited Stock Exchange Building

Stock Exchange hoad Karachi.

Dear Sir,

SUB: OLP MODARABA

Corporate Briefing Session - Presentation & Zoom Invite

With reference to our letter OLPM/SEC/2025/10/09 dated October 20, 2025, please find attached the presentation for the upcoming Corporate Briefing Session, along with the Zoom meeting invitation. The session is scheduled to take place on Tuesday, October 28, 2025, at 11:30 AM at the Iqbal Auditorium, National Institute of Banking and Finance, located on Maulvi Tamizuddin Khan Road (MT Khan Road), Karachi.

Topic: Corporate Briefing Session 2025

Time: Oct 28, 2025 11:30 AM Islamabad, Karachi, Tashkent Join Zoom Meeting

https://us06web.zoom.us/i/86303001056?pwd=svHQfdshkbEUWIVS0U29rB13gD0We9.1

Meeting ID: 863 0300 1056

Passcode: 860895

Join instructions https:I/us06web.zoom.us/meetings/86303001056/invitations?signature=UfoixDR2bEoJ0sieobAflTlC g45ZUOsVY1LIRIziR6bg

Your faithfully

Muhamma Si dique

Company Secretary

IKarachi Office:

Office No. 601, 6th Floor, Plot #: CL-10/20/2

Dr. Syedna Tahir Saifuddin Memorial Foundation Building Beaumont Road, Civil Lines,

Karachi.

Tel: (021s 3834 1168

Lahore Office:

Office No. 8. 1st Floor,

Park Lane Tower {The Mall of Lahore). 172, Tufail Road, Lahore Cantt.

Lahore.

Tel: (042s 3801 7006

Islamabad Office:

Ground Floor,

Phase 1. State Life Building No. 5, Nizamuddin Road, Blue Area, Islamabad.

Tel: (OSI) 282 4232

E-mail: askus aoIpmodaraba.com Visit Us: https://http://www.olpmodaraba.com

OLP

OLP Modaraba

(Formerly ORIX Modaraba)

Islamic Answers, Custom Fit.

Corporate Briefing October 28, 2025

Future Prospects

OLP

Corporate Briefing

1

Modaraba Profile

2

Governance

3

Operations

4

Financial Performance

5

Islamic Answers, Custom Fit.

Modaraba Profile

OLP Modaraba (Formerly ORIX Modaraba)

• OLP Modaraba (OLPM) was incorporated in May 1987 as First Grindlays Modaraba and started operation in August 1987.

• In 2000, Standard Chartered Bank acquired the ANZ Grindlays so name of Modaraba was changed to Standard Chartered Modaraba (SCM).

• In 2016, ORIX Leasing acquired SCM consequently name was changed to ORIX Modaraba

• Subsequently in the year 2022 name of the Modaraba was changed to OLP Modaraba due to ORIX Group initiative to rebrand ORIX Group in Pakistan.

• OLP Modaraba is one of the pioneers of Modern Islamic Financial Institutions of the country.

• Welcomed by the investors. Record over subscription (14 times) by general public of PKR.

  1 Billion against offer of PKR 72 million of Certificates of Modaraba. This was the highest amount received in the history of Pakistan's Stock Exchange at that time.

• Pakistan Burma Shell, Pakistan State Oil and Seimens were our first customers.

Management Company

OLP Services Pakistan (Private) Limited

Shari'ah Advisor

Mufti Faisal Ahmad

Annual Shari'ah Audit Report is now part of Annual Accounts.

CREDIT RATING

Successfully maintained credit rating AA (Long Term) and A1+ (Short Term) assigned by Pakistan Credit Rating.

(The Pakistan Credit Rating Agency Limited (PACRA)

 Total staff strength as at June 30, 2022 is 54 (Permanent - 40, Contractual Associates - 6, Contractual Runner, Driver etc - 8)

 This provided an excellent training for senior staff who later were prominent in public and corporate sector and SCB Group.

 Persons associated with Modaraba subsequently served the community in different senior positions including SECP Chairman, COO, Chief Risk Officer, and Head of Treasury at various

banks. Regional heads of SCB group and executive positions of different national and multinational companies.

 Total staff strength as at June 30, 2022 is 54 (Permanent - 40, Contractual Associates - 6, Contractual Runner, Driver etc - 8)

 Total staff strength as at June 30, 2025 is 58 (Permanent - 38, Contractual 20)

 This provided an excellent training for senior staff who later were prominent in public and corporate sector and SCB Group.

 This provided an excellent training for senior staff who later were prominent in public and corporate sector and SCB Group.

OLP Modaraba

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Islamic Answers, Custom Fit.

Governance

Board of Directors of

Management Company BOD

Mr. . Naveed Kamran Baloch

Chairman and Independent Non executive Director

Mr. Raheel Qamar Ahmad

Chief Executive Officer and Executive Director

Mr. Nausherwan Adil

Independent Non executive Director

Ms. Naila Hasan

Independent Non executive Female Director

Audit Committee

Human Resource and Remuneration Committee

Chief Executive Officer

Risk Committee

Mr. Ramon Alfrey

Non executive Director

Mian Faysal Riaz

Non executive Director

Mr. Nadim D. Khan

Non executive Director

MANCOM

Country Operational Risk Committee

Asset Liability Committee

Portfolio Management Committee

SAM

Early Alert Committee

Risk Management Model

Credit Policy

Credit

Analytics

Credit

Approvals

Risk

Management

SAM

Collateral

Management

Portfolio

Management

• Portfolio Shape Working

• Risk Triggers Working

• VAR Estimation (LGD/EL)

• Risk Reporting

• Credit Grading Analysis

• Scorecard Models

Risk Management Parameters

Islamic Answers, Custom Fit.

Shari'ah Governance

 All agreement and Products Programmes were approved by the SCB-Group Islamic Banking along with local Shari'ah Advisor.

 Legal agreement for different products were approved by SECP Religious Board.

 Conduct Shari'ah review and report on yearly basis.

 Advise on certain Shari'ah related matters on day-to-day basis.

 Monitor transaction on the basis of Shari'ah Guidelines.

 Report findings to Shari'ah Advisor and Board Audit Committee.

 First time, an Annual Shariah Audit was conducted by an Independent Shariah Auditor for the year ended June 30, 2025 in compliance of the Shariah Governance Regulations, 2023.

Shari'ah Governance

External Shari'ah Audit

Shari'ah Advisor

Shari'ah Auditor

Legal Agreement

Products

Islamic Answers,

Custom Fit.

Operations

POULTRY / POULTRY

FEEDS 3.4%

PLASTICS

2.9%

LEATHER &

TANNERIES, TYRE & RUBBER

2.3%

CHEMICALS

2.1%

FOOD & PERSONAL INDIVIDUALS

CARE PRODUCTS (ASSURANCE)

3.8% 24.1%

PHARMACEUTICALS

3.9%

PRINTING & PACKAGING 4.6%

STEEL 5.1%

TEXTILE

16.2%

SERVICES

5.5%

SUGAR

6.3%

Motor Vehicles

Plant & Machinery

Computer Equipment

Others

Housing Finance

Advance against DM/Ijarah

Islamic Answers, Custom Fit.

Financial Performance

OLP FinanOciaLl PHigMhloigdhtasrJaubnea30, 2025

OLP

 One of the largest Modaraba of the country.

 OLPM Modaraba has the largest retail Certificate of Musharika portfolio of PKR 3.97 billion in the entire Modaraba Sector.

 Record history of cash dividend pay out through out the period ranges from 16% to 40%. Average dividend pay out is 23% per annum. Never missed dividend since inception.

 Pioneer Financial Modaraba who early adopted IFRS-9 including provision calculation under ECL model.

 Maintained quality portfolio through out the period. Less than 250 million Loan Impairment (including impairment under IFRS-9) in 38 years against total disbursements of more than PKR 62 billion in the same period which reflects only 0.38% of the disbursed amount.

Financial Highlights June 30, 2025

Assets

Deposits

Dividend

IFRS-9

Portfolio

OLP EPS OLP Modaraba

OLP

27.40

25.93

25.09

25.53

25.88

18.77

17.50

18.00

16.00

13.62

11.30

30.00

25.00

20.00

15.00

29.24

748

665

598

615

579

579

579

566572

592

567

559

800

700

600

500

400

10.00

5.00

300

200

100

-

2025 2024 2023 2022 2021 2020

-

2025 2024 2023 2022 2021 2020

OLP

180

160

140

120

174

113

158

129

112

153

132

127

113

8,000

7,707

6,895

6,021

5,574

5,570

5,863

3,197

2,693

2,782

2,693

2,419

2,199

7,000

6,000

5,000

100

80

60

40

20

-

91 91 91

2025 2024 2023 2022 2021 2020

4,000

3,000

2,000

1,000

-

2025 2024 2023 2022 2021 2020

25%

20%

15%

13.89%

ROCE, ROE & DIVIDEND YIELD

12.50%

16.57% 17.70% 14.68% 14.68%

10%

10.92% 13.07% 9.71% 11.12% 13.03%

13.03%

5% 2.10%

0%

1.93% 2.25% 2.53% 2.53%

2.52%

2020 2021 2022 2023 2024 2025

ROCE Return on equity Dividend Yield



P/E & Dividend Payout

2026

2025

2024

2023

2022

2021

2020

2019

2018

2017

6.41

6.51

5.21

3.98

2020

2021

2022

2023

2024

3.92

2025

4.89

2020 2021 2022 2023 2024 2025

P/E Multiple Dividend payout

7.00

6.00

5.00

4.00

3.00

2.00

1.00

-