EFU General Insurance Balance Sheet

Financials in millions PKR. Fiscal year is January - December.

Millions PKR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Investments in Debt Securities	34,151	31,589	33,508	24,476	21,827	17,717
Investments in Equity & Preferred Securities	13,336	85,379	52,375	25,880	20,305	4,033
Other Investments	15,687	18,372	7,697	11,111	14,965	25,051
Total Investments	299,050	312,243	274,179	216,211	183,578	167,696
Cash & Equivalents	9,038	8,785	7,815	7,405	6,198	5,854
Reinsurance Recoverable	8,843	9,199	9,129	7,068	6,848	4,279
Other Receivables	20,701	18,269	15,354	14,454	11,548	9,477
Property, Plant & Equipment	10,522	10,577	9,889	9,673	9,208	8,653
Goodwill	2,280	2,280	3,166	4,856	5,189	7,157
Other Intangible Assets	195.12	228.36	389.65	742.61	862.58	1,259
Restricted Cash	-	39	39	26	45	45
Other Current Assets	12,830	17,100	14,335	15,226	10,834	6,773
Long-Term Deferred Tax Assets	10.62	6.61	-	8.64	5.57	4.37
Long-Term Deferred Charges	1,139	1,107	779.1	163.57	163.44	149.5
Other Long-Term Assets	9.05	244.4	238.62	328.27	235	235
Total Assets	364,620	380,079	335,312	276,162	234,715	211,582
Accounts Payable	200.72	115.7	101.51	238.68	-	-
Accrued Expenses	5,088	5,605	4,730	3,759	3,418	3,326
Insurance & Annuity Liabilities	18,311	16,790	11,408	3,745	3,552	2,220
Unpaid Claims	39,514	23,114	22,312	18,335	15,389	11,345
Unearned Premiums	2,571	23,655	21,000	21,789	15,651	11,828
Reinsurance Payable	8,242	7,640	8,023	9,674	8,048	4,886
Current Portion of Leases	-	74.77	68.01	138.99	182.75	158.55
Long-Term Leases	1,213	1,152	664.83	651.19	602.11	630.36
Long-Term Deferred Tax Liabilities	3,602	4,941	4,936	3,984	2,933	3,357
Separate Account Liability	247,351	258,825	228,314	185,931	158,534	145,792
Other Current Liabilities	5,771	3,133	2,626	2,178	2,636	2,173
Total Liabilities	332,013	345,254	304,363	250,517	211,033	185,795
Common Stock	2,000	2,000	2,000	2,000	2,000	2,000
Retained Earnings	19,400	19,376	15,975	14,437	13,120	14,971
Comprehensive Income & Other	5,643	7,419	7,296	4,879	4,283	4,391
Total Common Equity	27,044	28,795	25,272	21,317	19,402	21,363
Minority Interest	5,563	6,030	5,677	4,328	4,280	4,425
Shareholders' Equity	32,607	34,825	30,949	25,644	23,682	25,788
Total Liabilities & Equity	364,620	380,079	335,312	276,162	234,715	211,582
Filing Date Shares Outstanding	200	200	200	200	200	200
Total Common Shares Outstanding	200	200	200	200	200	200
Total Debt	1,213	1,226	732.85	790.18	784.86	788.91
Net Cash (Debt)	7,825	7,559	7,082	6,615	5,413	5,065
Net Cash Growth	40.06%	6.73%	7.05%	22.21%	6.88%	-16.43%
Net Cash Per Share	39.12	37.79	35.41	33.08	27.06	25.32
Book Value Per Share	135.22	143.98	126.36	106.58	97.01	106.81
Tangible Book Value	24,568	26,287	21,716	15,718	13,351	12,946
Tangible Book Value Per Share	122.84	131.43	108.58	78.59	66.76	64.73
Land	-	3,605	3,512	3,282	2,782	2,722
Buildings	-	5,401	5,160	5,192	5,254	4,520
Machinery	-	5,928	5,230	4,430	3,882	3,632
Construction In Progress	-	18.42	-	-	-	-
Leasehold Improvements	-	487.85	427.91	412.56	396.13	355.99